I received two IRA distributions in June and December 2025 totaling $759 and the RMD for 2025 was $660 (it is a small retirement account and my only one). It is not my first year receiving an IRA distribution. I put this info into the IRA section of TurboTax Deluxe desktop and scrolled through the prompts and it indicates that an RMD penalty has been calculated even thought the IRA Distribution amount I received is $100 more than the amount of the 2025 RMD.
I then get to the "Let's go over any required minimum distributions (RMD)" section and click on my name. I then check 'No' to the "Let's check if you missed any required distributions" section and continue to the next page.
The next screen is "Do you want to request a waiver to reduce the penalty?" and it indicates that "We've calculated a penalty of $165 based on the amount not distributed in 2025. However, if you can show the IRS that you missed the RMD due to a reasonable error, and you are taking appropriate steps to remedy the shortfall, they may waive some or all of the additional taxes."
If I go back a few pages and check 'part of this distribution was for the RMD' or 'All of this distribution was for the RMD' I continue to get the same result.
Even if I delete the IRA, save the TurboTax file, reopen it and add the IRA details all over again, I get the same message.
It looks like there is a similar RMA penalty calculation error to the one that was being highlighted in the discussion groups last year in early 2025.
There is no basis for an RMD penalty to be calculated.
