InheritIQ: App

Inherited an IRA or 401(k) after 2019? The SECURE Act usually requires you to empty it within 10 years — and the IRS now charges a 25% excise tax on a missed required minimum distribution. InheritIQ helps non-spouse beneficiaries stay ahead of the deadline with a clear, year-by-year withdrawal plan.

Enter the account balance, the original owner's age at death, and your estimated tax rate. InheritIQ models a 10-year schedule using the IRS Single Life Expectancy Table — showing each year's required minimum, a suggested even-paced withdrawal that avoids a painful year-10 lump sum, your projected remaining balance, and an estimated tax for every year.

WHAT YOU CAN DO
- See your final depletion deadline and exactly where you are in the 10-year window
- Know this year's required minimum and how much you still need to withdraw
- Log the withdrawals you actually take and watch your remaining balance update
- Get a shortfall warning before Dec 31 so a required withdrawal never slips by
- Turn on year-end reminders for every tax year through your deadline

INHERITIQ PRO
- Full year-by-year 10-year projection for every account
- Estimated tax for each year at your marginal rate
- Track unlimited inherited accounts
- Export your schedule as PDF or CSV to share with your tax preparer
- Removes ads

Free users can preview Pro by watching a short ad. InheritIQ shows non-personalized ads only and never tracks you.

IMPORTANT: InheritIQ is an educational planning tool, not tax, legal, or financial advice. Inherited-account rules have exceptions and your situation may differ. Always confirm figures with a qualified tax professional or at IRS.gov before acting.