MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

Roth vs Traditional IRA Inheritance - Which One Wins

24 Feb 2026 · 0 min

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When you inherit a traditional IRA, you owe income tax on distributions. An inherited Roth IRA grows tax-free for ten years if you withdraw the full balance by the end of year nine, and those withdrawals are completely tax-free.

I pay tax on my mom's traditional IRA because she died and she never paid tax on it. Who inherited it? I'm going to get to 1099R and pay tax on it. But if I inherit a Roth IRA from my mom, I don't pay tax at all. That inherited ira, it's got a special little check mark next to it because I can invest that Roth for up to 10 years, make pay no tax on the growth in that as long as I drain it by the 9th year, 364th day done, tax free.