Inherited IRA Distributions Calculator

By naming a beneficiary on your IRA account, you provide the beneficiary the opportunity to "stretch" out the IRA proceeds over his/her life expectancy. This gives the beneficiary more time to take advantage of the tax-deferred status of IRA assets. Use this calculator to provide a hypothetical projection of the required minimum distributions for you and your beneficiary. Keep in mind that distributions will be subject to any applicable federal and state income taxes.
Your Information
Month Day Year
What is your date of birth?
Let the system calculate your actuarial life?  
If "No", what is your hypothetical age at death? help
What was the year-end balance of your account last year? ($)  
What is the anticipated rate of return? help
First Beneficiary
Month Day Year
What is the beneficiary's date of birth?
Is your spouse the beneficiary?  
If "Yes", let the system calculate your spouse's actuarial life?  
If "No", what is the spouse's hypothetical age at death? help
Second Beneficiary (Required if spouse is the First Beneficiary)
Month Day Year
What is the beneficiary's date of birth?
   
No bank guarantee • Not a deposit • Not FDIC/NCUA insured
May lose value • Not insured by any federal government agency

This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its affiliates, their distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

The results and explanations generated by this calculator may vary due to user input and assumptions. Pacific Funds does not guarantee the accuracy of the calculations, results, explanations, nor applicability to your specific situation. We recommend that you use this calculator as a guideline only and ultimately seek the guidance of an experienced professional. CalcXML, the provider of this information and interactive calculator, is an independent third-party and is not affiliated with Pacific Funds.

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