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@diitto wrote: Where would I even look (I'm long since done with 2024's taxes but I do still have the TurboTax Deluxe 2024 software on my Mac) to see how and where TT handles the RMD section on taxes??? @diitto  There were some changes related to RMDs for 2024. The way TurboTax handled it was kind of a mess, and caused a lot of errors. They know they had a problem, and they are redoing the handling of RMDs for 2025. So I would not rely on the 2024 software as any indication of how TurboTax will handle RMDs for 2025. Looking at the 2024 software might be confusing rather than helpful. Just wait until the 2025 software is available, probably sometime in November.  

Or did it transfer 2023 into 2024 when you started?  It would have automatically transferred the $361 but you might have entered it again either as a 1st quarter estimated payment or as Applied from last year.  So it could have been entered twice.     

What version did you buy?  There is only a license code for the Federal Desktop program.  In Deluxe and above you get 1 free state program download.   If you need to do a return for a different state you need to buy the second  state program for $45.  If you buy Deluxe in the stores it comes 2 ways.  Deluxe with a state program and Deluxe without state for states that don't have a state income tax.  If you  have the Desktop Basic program it does not come with a free state.   Are you switching from the Online version to the Desktop program and have the .tax file to upload to Desktop?  Or where did you get the tax file to upload?  Sometimes it does ask you to buy the state program to start which is wrong.  How much is it charging you?  A state program is $45.  But as said above in the Desktop program there is a separate $25 fee to E-EFILE each state return including the first one.  Or you can print and mail state for free.   If you have a .tax file and are trying to open it into a newly installed Desktop program and get an error there is some steps you have to do first.   After you get the program installed or reinstalled the first thing to do before you open your tax return is to update the program and install any state programs you had. Then open your file. So you first might need to start a fake return to be able to download the state program (go to FILE - NEW). Enter some basic information, then go to the state tab and download the state program. Then try to open your existing return, go to FILE - OPEN   Oh and be careful at the end when you file.  If you pick to have the $25 state efile fee deducted from a federal refund there is an EXTRA $40 (45 in Calif) Pay with Refund processing service charge.  So pay with a credit card to avoid the extra charge.    

Some more info.  IRA and 401K are separate and have different rules.  For IRA accounts you need to figure the RMD from each account but you can take the total RMD out from just 1 account or spread it around from other IRA accounts.  And as said above you can only take a QCD from IRA accounts (not 401k).   For 401k accounts you need to take out the RMD from each 401k.  IRA accounts go on 1040 line 4 and 401k go on line 5.  Here is IRS pub 590b about taking distributions. https://www.irs.gov/pub/irs-pdf/p590b.pdf    You will get a 1099R  for each account IRA & 401k distributions.  They get entered in the same place.  The IRA accounts will have a X in a little box between boxes 7&8 to tell it that it is from an  IRA.    Here is a 1099R https://www.irs.gov/pub/irs-pdf/f1099r.pdf    Since you have the Desktop program you can copy your return to test and practice in.  Go up to File-Duplicate on Mac and give it another name.    Don't mess around in your real return.   Oh you can still buy Deluxe.  All the Desktop programs have all the same forms.  You just get more help in the higher versions.       Enter a 1099R under Federal Taxes Wages & Income Then scroll way down to Retirement Plans and Social Security Then IRA, 401(k), Pension Plan Withdrawals (1099-R) – Click Start If you are adding another 1099R there might be a Add button at the bottom of the list.        

Got it...  Thanks.  I appreciate the help...  I've heard and read enough now to believe that even though a part of my 401k RMD was POST TAX, still that along with the PRE TAX dollars, added all together, MEET the RMD REQUIREMENT...  I was just questioning the logic when it appeared to me that the IRS was just seeking tax money so why would they want 100% of the RMD to be PRE TAX...  But you make a good point that the government's main intention was likely to help supplement income NOW and not so much just about the government gaining more tax money...  So I'm good with now having satisfactorily withdrawn four RMD amounts from four different retirement accounts I have...   Now if I can just learn how, next year, to be able to get TT to help me properly report those RMDs and pay the appropriate (regular income) taxes on those amounts...  See above where I've asked one more question about how and where these RMD's get reported in TT...  I still have the 2024 TT Deluxe version on my Mac computer that I might soon go back in to just to look around and see if I can see where such gets reported...  Or any input from you folks on that would be much appreciated...  thanks for all the help...  

"We can't allow your claim for Health Savings Accounts you file F8889 HSA Adding $6,300 while eliminating AGI in the 1040x for the same amount.  The computation does not match."   That statement makes no sense.  Presumably you had family HDHP coverage, otherwise a $6,300 contribution would be in excess of what is permitted.  Since you used TurboTax to prepare the amendment, TurboTax would not have permitted you to report an excess personal contribution on Form 8889.  Assuming that a personal $6,300 HSA contribution was permitted, including this contribution should reduce AGI by $6,300.  Your amendment would have included Forms 8889, 1040-X and Schedule 1, and your explanation should have indicated that your originally filed tax return failed to include the personal HSA contribution made by the deadline.  If your amendment included these forms and the Schedule 1, it seems that someone at the IRS has made an error and you'll need to dispute this with the IRS.  Perhaps they incorrectly disallowed the HSA contribution for some reason.

The fact that the financial institution knows that any part of the distribution is nontaxable means that the distribution is not from an IRA.  A financial institution has no way to know if any particular amounts distributed from an IRA are taxable or not.   As VolvoGirl said, the both pre-tax and after-tax portions distributed count toward the RMD for that account.   The point of retirement accounts is to supplement income during retirement, so Congress put provisions into the law to make sure that these funds would eventually be distributed, preferably to the employee rather than to the employee's beneficiaries.  As you pointed out, it also makes sure that the collection of taxes on this deferred income would not be pushed out to the future indefinitely.   If you are inclined to make QCDs, the funds in a qualified retirement plan could be rolled over to an IRA after having completed the RMD for the year.  In this case, since the funds have an after-tax component, the rollover could be split between traditional and Roth IRAs with the pre-tax portion going to the traditional IRA and the after-tax portion going to the Roth IRA.  After that, you could make QCDs from the traditional IRA.

Where would I even look (I'm long since done with 2024's taxes but I do still have the TurboTax Deluxe 2024 software on my Mac) to see how and where TT handles the RMD section on taxes???  Never done an RMD until the 4 I've taken out since the start of 2025 that will be dealt with on my 2025 taxes in early 2026...  Just want to be as smart as I can be for when this comes up early next year...  ???  thanks...

@diitto   Yeah...I edited my above comment on the 8606, as I'm not sure the 8606 is really needed on the distribution from a traditional IRA, since it's mostly used at the time a contribution is made on an IRA ....but I polled @dmertz for comment as he and a few others would know better about needing it for a distribution.

Hi...  thanks...  Yes, I always buy AT LEAST Deluxe and sometimes I've bought Premier but never higher than that...  And yes, I DO have state taxes that I also do...  I just want to be sure I would buy a version that would offer these Form 8606.   I have four different types of retirement accounts and so I had to do four RMD's, one for each, and to my knowledge only one, a 401k, had that 2% of the $$'s being post-tax with the 98% being pre-tax...  All the others were all pre-tax I believe...  And none of the accounts was a traditional IRA...  I am considering, however, consolidating all four accounts INTO a single IRA so I can, in the future, just withdraw a single RMD from that one account...  

Still not sure how to proceed to make this correct. 1041 shows a loss to be shared by the beneficiaries. How do I prevent the losses from flowing to the K-1 because of personal use? Can I close out the Estate Return when there remains a loss for 2025? Not sure if I should adjust the expenses of the sale to create a wash or make an adjustment to the K-1? Any help from you will be appreciated. Pattie

You need to be clear on what retirement source your RMD is coming from.   For a 401k or TSP, the 8606 wouldn't be needed. ....for an IRA  not sure when it's required, usually for an actual "IRA Contribution" at the time it was contributed, but I'm not sure about the distributions.  Others, like 403b???  ( @dmertz  knows better than I) _______________ All desktop versions (historically) have all the same forms...but Deluxe or higher would be recommended, especially if you have a state to file too, since "Basic" doesn't have a free state download.  (Deluxe from 3rd parties ((Amazon, BestBuy...etc)) have two version, one with the free state download and one without, so you have to carefully check.  Deluxe bought directly from TTX always has the free state download.)

Are you using desktop download software?    The software includes the program to prepare state returns for one specific state of your choice, but there is always an extra $25 fee to e-file the state return.    You can avoid the state e-file fee if you print, sign and mail the state return instead.

One follow up question.  I see that Form 8606 is needed to be able to report pre vs post tax $$'s in an RMD.  Next year, what version of Turbo Tax should I buy (MAC version) to make sure that it will include this Form 8606 capability???  thanks...