Calculating the taxable portion of IRA distributions when you have a traditional and an inherited IRA

[davenj]

I made post-tax contributions to my traditional IRA, so I have an IRA basis. I also inherited an IRA from my mother. She did not make any post-tax contributions to her IRA. I have had to take distributions from her IRA. Are the two IRAs merged together for purposes of calculating the taxable and tax-free percentages of distributions?  Or would distributions from her IRA be 100% taxable?  Thanks. 

[fanfare]

these two IRAs must be treated separately.

TurboTax can't handle the case where both IRAs have a basis.

In your situation, that does not concern you.

@davenj 

[davenj]

So, are the distributions from the inherited IRA 100% taxable?   

[CatinaT1 · Accepted solution]

Yes, the one inherited would be 100% taxable.