Terms of Use & Disclaimers

Last Updated: January 1, 2026

⚠️ Internal Revenue Service Circular 230 Disclosure

Any US federal tax calculations or statements rendered by this calculator were not intended or written to be used, and cannot be used, for the purpose of avoiding tax-related penalties under the Internal Revenue Code, or for promoting, marketing, or recommending to another party any tax-related transaction or financial strategy.

1. No Fiduciary or Investment Advisory Relationship

InheritedIRACalc provides illustrative mathematical simulations based on IRS Publication 590-B Table I and Treasury Decision 10001. The use of this tool does not create a fiduciary, Certified Financial Planner (CFP), Certified Public Accountant (CPA), or attorney-client relationship. Complex personal factors—including state income taxes, Medicare IRMAA tiers, estate tax thresholds, and trust beneficiary designations—require individualized analysis by a qualified fiduciary professional.

2. As-Is Warranties & Assumption of Risk

All calculations, tax brackets, and portfolio return projections are provided on an "as-is" and "as-available" basis without representations or warranties of any kind. You assume full responsibility for any financial decisions, tax filings, or account distributions made.

3. Limitation of Liability

In no event shall the authors, maintainers, or hosts of InheritedIRACalc be liable for any direct, indirect, incidental, or consequential damages resulting from the use of or inability to use this software, including any penalties assessed by the IRS under IRC § 4974 for missed RMDs.