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The IRS allows you to calculate the RMD for each of your traditional IRAs separately, total them, and then take the entire amount from just one of those accounts (or any combination).

The program, however, processes each 1099-R individually and doesn't know that the RMD from IRA #1 also covers the RMD for IRA #2.

Enter first 1099-R (with large distribution):

1. Open or continue your return.
2. Enter the 1099-R.
3. Look for "Was this withdrawal a Required Minimum Distribution?" as you proceed through the interview screens, and Select "Yes", this withdrawal was an RMD.
4. Look for "How much of this distribution was an RMD?", and Select "The entire distribution was an RMD" (if the whole thing was part of your total requirement) or enter the specific amount that represents the combined RMD total for both accounts.

Enter second 1099-R (with smaller distribution):

1. Enter the 1099-R.
2. Look for "Was this withdrawal a Required Minimum Distribution?" as you proceed through the interview screens, and Select "Yes", this withdrawal was an RMD.
3. Look for "How much of this distribution was an RMD?", and Select "The entire distribution was an RMD".
4. Look for "What was the RMD for this account?", and Enter the actual amount distributed from this specific 1099-R (the "small amount").

This will let the program know that the RMD "requirement" for this specific 1099-R was met by the distribution itself.

Checking if you met your RMD: After you enter both 1099-Rs, the program will ask "Did you take the required minimum distribution (RMD) for 2025 for ALL of your retirement accounts?", Select "Yes."