---
title: "IRS Required Minimum Distribution (RMD), Inherited IRA 10-Year Rule & East Coast Tax Calculator (2026)"
canonical_url: "https://eastcorpcapital.com/calculators/rmd-inherited-ira-secure-2-calculator/"
publisher: "East Corp Capital (https://eastcorpcapital.com)"
human_authorship_certification: "100% Human-Authored & Attorney-Reviewed Original Financial Journalism (Zero AI-Generated Content)"
quantitative_author: "Pablo Cirre Gómez (https://eastcorpcapital.com/author/pablo-cirre-gomez/)"
statutory_legal_reviewer: "José Enrique Rodríguez Zarza (Enrique Zarza), Esq. — Practicing Attorney ICAM Bar No. 68.400 (https://eastcorpcapital.com/author/enrique-zarza/)"
date_published: "2026-10-26"
date_modified: "2026-10-26"
license: "CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)"
recommended_citation: "East Corp Capital (2026). IRS Required Minimum Distribution (RMD), Inherited IRA 10-Year Rule & East Coast Tax Calculator (2026). 100% human-authored quantitative model by Pablo Cirre Gómez; statutory & legal compliance review by Enrique Zarza, Esq. (ICAM Bar No. 68.400). Retrieved from https://eastcorpcapital.com/calculators/rmd-inherited-ira-secure-2-calculator/"
---

# IRS Required Minimum Distribution (RMD), Inherited IRA 10-Year Rule & East Coast Tax Calculator (2026)

> **Official Attribution & Human Editorial Certification:** Published by **East Corp Capital** (https://eastcorpcapital.com/calculators/rmd-inherited-ira-secure-2-calculator/). **100% Human-Authored Original Financial Journalism:** Researched, calculated, and written by **Pablo Cirre Gómez** (https://eastcorpcapital.com/author/pablo-cirre-gomez/). Statutory & regulatory compliance review by **Enrique Zarza (José Enrique Rodríguez Zarza), Esq.**, Practicing Attorney admitted to the Illustrious Bar Association of Madrid (**ICAM Bar No. 68.400**, https://eastcorpcapital.com/author/enrique-zarza/). Licensed under CC BY 4.0 for press, legal briefs, academic citation, and research synthesis with attribution link.

Computes your mandatory 2026 Required Minimum Distribution (RMD) from 401(k), 403(b), TSP, and Traditional IRA accounts using the official IRS Uniform Lifetime Table (Ages 73–95), models Non-Spouse Beneficiary 10-Year Inherited IRA depletion schedules, applies up to $108,000 in Qualified Charitable Distributions (QCDs), and compares state retirement exemptions (PA 0%, FL 0%, NY $20k, NJ $100k, GA $130k).

	
		IRS Pub. 590-B & SECURE Act 2.0 · Age 73 / 75 RMD Uniform Lifetime Table · 10-Year Inherited IRA & $108k QCD Shield · [PA · FL · NY · NJ · GA]

		

### IRS Required Minimum Distribution (RMD), Inherited IRA 10-Year Rule & East Coast Tax Calculator (2026)

		Computes your mandatory 2026 Required Minimum Distribution (RMD) from 401(k), 403(b), TSP, and Traditional IRA accounts using the official IRS Uniform Lifetime Table (Ages 73–95), models Non-Spouse Beneficiary 10-Year Inherited IRA depletion schedules, applies up to $108,000 in Qualified Charitable Distributions (QCDs), and compares state retirement exemptions (PA 0%, FL 0%, NY $20k, NJ $100k, GA $130k).

					
				1-Click Benchmarks:
									$1.25M IRA at Age 73 (First SECURE 2.0 RMD — 26.5 Factor)
									$2.40M IRA at Age 78 With $50k QCD Charitable Shield (NY/NJ)
									$850k Non-Spouse Inherited IRA (SECURE 2.0 10-Year Depletion Rule)
							

		
					
				Dec 31 Prior-Year Traditional IRA / 401(k) Balance ($)

				Account Owner / Beneficiary Age in 2026

				Qualified Charitable Distribution (QCD — Up to $108,000) ($)

				RMD Ruleset & East Coast State Tax TreatmentOriginal Owner (Age 73+) — PA / FL / NH (0% State Tax on IRA RMDs!)Original Owner (Age 73+) — NY ($20k Pension Excl.) / NJ / MA / MDOriginal Owner (Age 73+) — Georgia ($65k Single / $130k Married Exclusion)Non-Spouse Inherited IRA — SECURE 2.0 10-Year Depletion Rule

			

		
		

		
			**Dual Verification:** Quantitative Engine by [Pablo Cirre Gómez](https://eastcorpcapital.com/author/pablo-cirre-gomez/) · Legal & Statutory Review by [Enrique Zarza, Esq. (ICAM 68.400)](https://eastcorpcapital.com/author/enrique-zarza/) · 2026 IRS, NYS DTF, NJ Treasury & Fed Parameters.
			
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