@VolvoGirl
The laptop is running Windows 11 and is up to date (only bought it in late November '25)
The TurboTax Deluxe 2025 for Windows software is up to date - didn't buy the ESD download until last week and it seems to update itself every time I open it!
The 1099-R has code 7 in Box 7 and the IRA SEP/SIMPLE box is checked.
I actually deleted the IRA, re-saved the file without the deleted IRA, closed TurboTax and reopened it and re-entered all the IRA info with the same result.
Internally, TurboTax seems to be pulling the Gross Distribution as the RMD and using that for its calculations.
There is no way that two equal IRA distributions in June and December with federal tax deductions should be resulting in a 25% penalty when the distributions total $100 more than the RMD from the IRS' 2025 Table II calculations.
