dmertz
Level 15

Retirement tax questions

Make sure that you are including *only* IRA balances in the total, and are *not* including balances that were in 401(a), 401(k), 403(b) or 457(b) plans on December 31, 2017.  These types of plans are *not* IRAs.

If these are truly all IRAs, it's unfortunate that you misunderstood the tax consequences of the distribution when you made the distribution, but that doesn't change the required calculation.  You are not going to be taxed twice on any of this money.  You are simply being taxed on it now rather than later.