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Level 2
posted Feb 23, 2025 6:58:01 AM

12/31/24 Trad IRA ending Balance

Where do I input my 2024 trad IRA ending Balance? I just did my first RMD in Nov.2024. I also have non deductible funds in the trad IRA but haven't made any contributions since I retired.

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3 Replies
Expert Alumni
Feb 23, 2025 7:16:25 AM

In the section where you enter your Form 1099-B reporting your required minimum distribution (RMD) from your IRA, you be asked if you made any non-deductible contributions to your IRA. When you answer yes to that question, you will be asked what the basis of your IRA is at the end of the previous year and later you will be asked to enter the value of your traditional IRA at end of the current year you are working on.

Level 2
Feb 23, 2025 7:43:20 AM

Thanks, Do I report this ending balance to the IRS or does my brokerage firm do that for me? Also TT says if its my first RMD I should not enter the required rmd amount since its due 4/1/25, but I paid for it in 11/2024 after I turned 73. How will the irs know its been paid.

Thanks

Expert Alumni
Feb 23, 2025 9:58:13 AM

The ending balance is not reported to the IRS. You are asked the question to determine if your distribution is taxable so it can be accounted for properly on your tax return. The IRS does not keep track of your required minimum distribution (RMD), you are simply required to report any deficiency in taking your RMD in any year in which it occurred. So, you don't need to report your RMD paid in 2024, since you aren't deficient in that year.