What are my Stretch IRA distributions?

By naming a beneficiary on your IRA account it will 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 tax-deferral status of the IRA assets. Use this calculator to provide a hypothetical projection of the required minimum distributions for you and your beneficiary. Please 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?
The information provided here is to assist you in planning for your future. Any analysis is a result of the information you have provided. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Any rate of return entered into the interactive calculator to project future values should be a reasonable average return for the period. Rates of return will vary over time, and generally the higher the rate of return the higher the degree of risk.

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