1099-R RMD not calculating federal tax due

[owensrf]

After I enter 1099-R pension information (boxes 1a and 2a) and box 4 is empty (zero dollars withheld for Federal). I am prompted to answer RMD questions. I add my total in box 1a as my total RMD.  I see Federal taxes due (since no Federal money was taken out).  As soon as I am asked if all, some or none of the distribution was for 2025 I select all of the RMD the money due under Federal taxes goes away.  I am not be taxed on the amount of RMD I added for total distribution when I should be since no Federal taxes was withheld.  Please help something is wrong.

[DianeW777]

If you would like to send us a “diagnostic” file that has your “numbers” but not your personal information it would help.  If you would like to do this, here are the instructions:  (Don't forget to give us the state)

TurboTax Online:

Open your return -Go to the menu panel on the left side of your return and select Tax Tools. 

1. Then select Tools below Tax Tools.
2. A window will pop up which says Tools Center.  
3. On this screen, select Share my file with Agent.
4. You will see a message explaining what the diagnostic copy is.  Click okay through this screen and then you will get a Token number.
5. Reply to this thread with your Token number and your state. This will allow us to open a copy of your return without seeing any personal information.

TurboTax Desktop:

If you like, you can send a copy of your return that will be scrubbed to eliminate your personal data by using these steps:

1. Click on Online in the top left menu of TurboTax Desktop for Windows
2. Select 'Send Tax File to Agent'* > Follow the prompts to reach the token number.
   • Enter your email used for TurboTax > Enter your code > Send
3. Write down or send an image of your token number and state then place in this issue.
4. We can then review your exact scenario for a solution.
5. Please also tell us any states included in the return. This is necessary for us to view the return.
   • *If using a MAC, go to the menu at the top of the screen, select Help, then, 'Send Tax File to Agent')

We will be able to see exactly what you are seeing and we can determine what exactly is going on in your return to provide you with a resolution.

[owensrf]

Thank you.

IL = 9411826639453403-42009362

[owensrf]

Please let me know if you received token.  On my end in the reply it looks as if it was removed.

[DianeW777]

Yes, I received the token. The following are items I noticed in review. And all of the distributions are taxable on your tax return.

1. The first 1099-R did not have a selection for taxpayer or spouse. On the screen 'What kind of retirement plan do you have...'. you must select 'Qualified plan....' which was not yet selected.
2. The second 1099-R does specify spouse
3. The third 1099-R also specifies spouse
4. The fourth 1099-R did not have a selection for taxpayer or spouse
   1. Number 1 & 4 did not indicate any error even though the selection doesn't show on my end.
5. Let's go over any required minimum distributions (RMDs) - both indicate no RMDs were missed.

When I review the 1040, it does show the appropriate taxable amount for the IRAs and the Pensions. If you are using TurboTax Online you should do the following before you open your tax return to review again.

• Try clearing the cookies and cache.   It handles many issues that seem nonsensical on a regular basis with online activity. Watch to be sure you are selecting 'all time' as example.  Do not use selections like 'last hour' for those browsers that give  you options.
• How to clear your cache
• Once this is complete open your return and try again.
• If you are using TurboTax Desktop, save your return, then at the top select Online, then Check for updates.

Open your return and review your Form 1040: From the left rail menu in TurboTax Online, select Tax Tools (You may have to scroll down on the left rail menu.)

1. Select Tax Tools
2. On the drop-down select Tools
3. On the pop-up menu titled “Tools Center”, select View Tax Summary 
4. On the left sidebar, select Preview my 1040 

For TurboTax Desktop, change to 'Forms' and review the forms

@owensrf