Get your taxes done using TurboTax

If you received the money in 2025 you will report it on your 2025 tax return. You do not report it on your 2024 tax return, even it was your RMD for 2024. You report income in the year that you receive it.

You will have to take your 2025 RMD in 2025. Your 1099-R for 2025 will include both the 2024 and 2025 RMDs. You have to report the full amount of both RMDs on your 2025 tax return.