What is the RMD if I inherited money from my grandma's IRA. She passed away in 2025 at age 77

[NCperson · Accepted solution]

@bwu513 sorry for your loss.

in 2025,  she was liable for the RMD.  If she did not take it, then you are responsible to take it. 

for 2026, the RMD is based on a) the balance of the Inherited IRA as of 12.31.25 and b) an IRS table which is based on YOUR age.  

Best to consult with the Administrator of the IRA to determine the 2026 RMD and whether your grandmother took her 2025 RMD.

Also, as an inherited IRA, you must liquidate the IRA within 10 years, so taking just the RMD will leave you with quite the lump to distribute in 2035.