Stretch RMD — CalcTown

Stretch RMD Over Beneficiary Lifetime

Pre-SECURE Act rules (grandfathered for some beneficiaries): stretch required distributions over a younger beneficiary's life expectancy for decades of tax-deferred growth.

Inputs

Inherited balance ($)

Beneficiary age

Expected annual return (%)

Results

First year RMD

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Initial single-life factor

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Total lifetime RMDs

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Years of distribution

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Peak balance

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Single Life Expectancy factor simplified as ~ (85 − age). Under the original stretch rule, a 45-year-old beneficiary could stretch distributions over ~40 years — letting the bulk of the inheritance keep growing tax-deferred.