You report the 2021 RMD on your 2022 tax return, once you remove the funds.
you also report the 2022 RMD on your 2022 tax return.
This is due into the bank by Dec 31.
If you tell TurboTax you missed the April 1 deadline.
You will have a chance to request waiver of penalty.
IRS always waives the penalty for a simple error like this and for much more serious errors.
