InheritIQ: App
Inherited IRA 10-Year Planner
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Inherited an IRA? Beat the 10-year deadline and the 25% penalty with a clear, year-by-year withdrawal plan.
Inherited an IRA or 401(k) after 2019? The SECURE Act usually requires you to empty it within 10 years — and the IRS now charges a 25% excise tax on a missed required minimum distribution. InheritIQ helps non-spouse beneficiaries stay ahead of the deadline with a clear, year-by-year withdrawal plan.
Enter the account balance, the original owner's age at death, and your estimated tax rate. InheritIQ models a 10-year schedule using the IRS Single Life Expectancy Table — showing each year's required minimum, a suggested even-paced withdrawal that avoids a painful year-10 lump sum, your projected remaining balance, and an estimated tax for every year.
WHAT YOU CAN DO
- See your final depletion deadline and exactly where you are in the 10-year window
- Know this year's required minimum and how much you still need to withdraw
- Log the withdrawals you actually take and watch your remaining balance update
- Get a shortfall warning before Dec 31 so a required withdrawal never slips by
- Turn on year-end reminders for every tax year through your deadline
INHERITIQ PRO
- Full year-by-year 10-year projection for every account
- Estimated tax for each year at your marginal rate
- Track unlimited inherited accounts
- Export your schedule as PDF or CSV to share with your tax preparer
- Removes ads
Free users can preview Pro by watching a short ad. InheritIQ shows non-personalized ads only and never tracks you.
IMPORTANT: InheritIQ is an educational planning tool, not tax, legal, or financial advice. Inherited-account rules have exceptions and your situation may differ. Always confirm figures with a qualified tax professional or at IRS.gov before acting.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Christian Pedersen, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Location
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Christian Pedersen
- Size
- 4.5 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- InheritIQ Lifetime $4.99
- Copyright
- © 2026 Christian Pedersen