Can I return some IRA distribution after taking it

Forum|Forum|6 months ago
November 13, 2025
2 replies
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I am 75 and I got a windfall this year as I got a year of backpay for my SS spousal support that will raise my Medicare Premium Part B in 2027 because of IRMAA.

Look like my 2025 Magi will just past the standard IRMAA threshold, I figured out it would be better to convert some $40-50K of my IRA money to my ROTH and stay within the 1st level of IRMAA .

The trouble is it is difficult to figure out now how much my 2025 MAGI will be until the middle of Feb 2026 when all tax papers are due.

Assuming I convert too much, say $50K already. And that bump me to 2nd IRMAA level, can I return $10K so as to keep me in the 1st IRMAA level?

Bsch4477

Level 15

Once you convert from an IRA to a Roth you can’t take it back. You also can’t return or contribute a RMD to a retirement fund.

VolvoGirl

Level 15

And you have to take your RMD out before you convert any to a ROTH. Did you already take your 2025 RMD? Before you made any conversions to ROTH?

SLYKTAXAuthor

Level 6

I knew I have to take the RMD before doing a ROTH conversion. I did that early this year for fear that the value on my retirement account may loss value towards the end of the year. Thanks