There is no place in Turbotax to enter the RMDs for the IRA accounts where there was no withdrawal. That information is entered when you enter a 1099-R in Turbotax, but there are no 1099-Rs to enter for those IRA accounts where there is no withdrawal. In addition, even if there were, those RMDs would just be what you calculated them to be, unless you used the Form 5498s, and, without the Federal Tax ID of the sender of the Form 5498, those RMDs would just be a list of amounts, not tied to anything. I would be fine with being asked just to list on a Turbotax worksheet the other RMDs that I calculated. That is not what is happening, though. If you are suggesting using Form View, I might as well fill out my returns manually. Example with IRA 1 and IRA 2:
IRA1 RMD Amount $1000 Withdrawal Amount $1050
IRA2 RMD Amount $50 Withdrawal Amount $0
You receive a 1099-R for IRA1 for $1050 and enter the information in Turbotax. Turbotax asks how much of that $1050 is for RMD but the update yesterday now states to not include the RMD for other retirement accounts you may have and that RMDs for other accounts should be entered separately, but where? So you enter $1000. Turbotax asks you what you are doing with the rest (the $50), and the options are Rollover to a different or the same retirement account or Something else. If you enter Something else, Turbotax does not credit the $50 as a withdrawal to satisfy an RMD. Turbotax later asks if you missed a required distribution from any retirement accounts and to select any account type for which you did not take a distribution in 2024 even though an RMD was due by December 31, 2024. One of the options is None of these plans failed to withdraw the RMD. This seems to mean that this question is account specific, so the answer would be No (it actually is not a Yes / No question, as the other options are the plan type where the RMD was not withdrawn). If you enter the option of An IRA, including SEP-IRA, SARSEP, or SIMPLE IRA (but not including inherited IRAs), Turbotax indicates that there is a penalty for not making the withdrawal, and proceeds accordingly. If you enter the option of None of these plans failed to withdraw the RMD, there is no message about a penalty, but the amount of Federal tax due is different from what it was before the Turbotax update, which leads me to believe that there still is a problem.
