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Inherited IRA & Legacy Tax Impact Calculator

Model how much tax you and your heirs may pay across two generations. Compare “do nothing” with a Roth conversion strategy under the SECURE Act 10-year rule.

How it works

Enter your current tax-deferred and Roth balances, your planned conversion amount (if any), and your heirs' shares and income. The calculator projects your balances to an assumed death age, then simulates the 10-year inherited IRA withdrawal for each heir and estimates federal income tax for both you and them. You get a side-by-side comparison: total tax with no conversions vs. with conversions.

Your situation (owner)

Your current age

Assumed age at death Used to project balances at inheritance

Filing status

Traditional IRA balance ($)

Roth IRA balance ($)

Expected return on IRA balances (%)

Annual other income ($) SS, pension, etc. (excluding IRA)

Roth conversion plan (optional)

Annual conversion ($) 0 = no conversions

Years to convert

Heirs (inherited IRA 10-year rule)

Enter up to 4 heirs. Share % should total 100. Each heir's “other income” is their existing taxable income when they take distributions.

Name Age Share % Other income ($) Filing

Tip: set one heir to 100% and others to 0% to model a single beneficiary.

Inherited IRA assumptions

Withdrawal strategy

Heir portfolio return (%)

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Inherited IRA & Legacy Tax Impact Calculator

How it works

Your situation (owner)

Roth conversion plan (optional)

Heirs (inherited IRA 10-year rule)

Inherited IRA assumptions

Legacy tax impact results

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