Updated 2026-03-30

Inherited 401(k) Calculator

Calculate required distributions from an inherited 401(k) account

The SECURE Act changed inherited 401(k) rules. Most non-spouse beneficiaries must empty the account within 10 years. Spouses have more flexibility including rolling into their own account. Eligible designated beneficiaries (minor children, disabled, chronically ill) can still stretch distributions over their lifetime.

Beneficiary Categories

Spouse: Rollover to own account, treat as own, or 10-year rule
Non-spouse: Must distribute within 10 years (SECURE Act)
EDB: Minor children, disabled/chronically ill - can use life expectancy

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-30