# InheritIQ: App — Inherited IRA 10-Year Planner

> Inherited IRA 10-Year Planner (iPhone/iPad app by Christian Pedersen.)

- Source: https://appshunter.io/ios/app/inheritiq-app/id6775467759 (this page in markdown: same URL + `.md`)
- Developer: [Christian Pedersen](https://appshunter.io/developer/1883227582)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 4 MB
- Languages: American English
- Released: 2026-06-10
- Data updated: 2026-07-24
- User reviews in markdown: https://appshunter.io/ios/app/inheritiq-app/id6775467759/reviews.md

## What is InheritIQ?

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.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| InheritIQ Lifetime | $4.99 | one-time |



## Version history (last 1 release)

### 1.0 — 2026-06-10

No release notes.

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All apps by Christian Pedersen: https://appshunter.io/developer/1883227582

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-24.*