M3Make My Money Move

Your inherited IRA planner

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M3Make My Money Move

How much can I take from my inherited IRA this year?

Enter your numbers once. Everything recalculates as you type and saves to your account, so it's the same on every phone and computer you open it on.

Your 2026 numbers

Married filing jointly. Use your best estimate for the full year.

Have your most recent paystub handy. Redo this any time (late November is a good check-in) and the number gets more exact as the year goes on.

Pre-tax deductions lower your taxable wages: 403(b)/TDA, 401(k), 414H pension, pre-tax commuter, pre-tax health or FSA. Leave out union dues, loans and taxes.

DeductionThis checkYear to date
(blank = estimate)		Yearly limit
(optional)

10% 12% 22% You are here Striped = room left at 12%

How we got there

Compare withdrawal amounts

Amounts are on top of what you've already taken this year. Type any amount in the last three rows.

Extra withdrawal Top bracket Taxed at 12% or less Taxed at 22%+ Extra federal tax Rate on withdrawal Overall rate Cash in hand Est. NY + NYC tax

10-year tracker

Each year, enter the IRA balance on December 31 of the year before (your year-end statement or Form 5498, Box 5) and the total you took out. Blank balances are estimated from the year before.

Year Balance Dec 31, prior year Taken this year IRS factor Required (RMD) Status Years left Even pace

* All figures are estimates for planning, not tax advice. Federal math uses 2026 married-filing-jointly brackets, the $32,200 standard deduction and a $2,200 child tax credit. It assumes a traditional inherited IRA where the owner died after their required beginning date (annual RMDs plus the 10-year rule). NY State and NYC figures are rough. Confirm final numbers with your tax professional before withdrawing.