Under SECURE Act 2.0, most inherited IRAs must be emptied within 10 years. See how much to withdraw each year to drain it on time and spread the tax hit evenly. ✓ SECURE 2.0
10-year rule • Even drawdown
Since the SECURE Act, most non-spouse beneficiaries (such as adult children) must empty an inherited IRA within 10 years of the original owner's death — the old "stretch IRA" is gone. If the owner had already begun RMDs, you must also take annual RMDs in years 1–9 based on your life expectancy, then drain the rest by year 10.
Because every withdrawal is taxable income, taking it all in year 10 can spike you into a high bracket. Spreading withdrawals evenly across the window usually minimizes total tax — that's the level amount this calculator suggests. Eligible designated beneficiaries (spouses, minor children, disabled or chronically ill) follow different rules. Estimate only; not tax advice.