Retirement

Optimize an inherited-IRA 10-year drawdown (SECURE Act)

Compares distribution schedules for a non-spouse inherited traditional IRA that must be emptied within 10 years, and recommends the one that leaves the heir with the most after-tax wealth. Because the account is fully distributed and proceeds are reinvested at the same rate, terminal wealth = grossFV − future-value-of-taxes, so the optimizer minimizes the FV of taxes — trading off deferral against bracket-spiking. Strategies: even, bracket_fill (up to the target bracket), defer, immediate. Composes the federal tax engine. Brackets held constant across the window; supply annual_rmd_floor when the decedent had begun RMDs. Deterministic.

post/v1/inherited-ira

Request

  • Base URL: https://api.numeratica.com
  • URL: https://api.numeratica.com/v1/inherited-ira
  • Auth: one of:
    • HTTP bearer
    • API key in header X-API-Key

Request body

inherited_balancenumber required
account_growth_ratenumber required
yearsinteger

Distribution window (10 under SECURE).

tax_year2025 | 2026 required
filing_status'single' | 'mfj' | 'mfs' | 'hoh' required
other_incomenumber

Heir's annual ordinary income outside the IRA.

other_income_schedulenumber[]

Optional per-year income (length = years); overrides other_income.

target_bracketnumber

Marginal rate the bracket_fill strategy fills up to.

annual_rmd_floornumber

Minimum yearly distribution (e.g. when the decedent had begun RMDs).

Example request

{
  "inherited_balance": 1000000,
  "account_growth_rate": 0.06,
  "tax_year": 2025,
  "filing_status": "single"
}

Response

Drawdown comparison

result_idstring
engine_versionstring
disclaimerstring

Example response

{
  "result_id": "iira_1a2b3c4d5e6f7a8b",
  "engine_version": "inherited-ira-1.0.0",
  "inputs": {
    "inherited_balance": 1000000,
    "account_growth_rate": 0.06,
    "tax_year": 2025,
    "filing_status": "single"
  }
}

Changes

No recorded changes to this operation across all 1 revision of this API.