Inherited IRA Distribution Optimizer

Bracket-leveling distribution plan for inherited IRAs and government pensions — minimizes combined federal + NYS tax over the SECURE Act 10-year window.

Configuration

Filing Status

Current Age

Distribution Deadline (Year)

SECURE Act 10-year rule deadline

Inherited Accounts

Account Type

Balance ($)

Growth Rate (%)

Other Annual Income

W-2 Wages ($)

Pension ($)

Social Security ($)

Capital Gains ($)

Qual. Dividends ($)

Tax-Exempt Int. ($)

Federal Deductions

Use itemized deductions if greater than standard

Standard deduction for Single: $15,000

NYS always uses the NYS standard deduction.

Year-by-Year Income Overrides

Override baseline income for specific years — model retirement, part-time work, or income spikes.

Computing…

Using 2025 federal and New York State tax tables · Federal ordinary, LTCG, NIIT, and NYS brackets