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1099-R rmd's used in QCD total via another account

2025 Tax Year 3 IRAs with grand total drawn from only one IRA via QCD distribution.  Turbo Prompts says "If my account was subject to a RMD, we need to know the amount that was required to be distributed by Dec 21,2025 from the account used for QCD.  I entered this amount. Then followed by: Note do not include the RMD for other retirement accouts you may have, RMDs for other accounts should be entered separately (I am not told where; I do not recall this being requested in previous years)

Turbo Tax follows with:

"Part of your distribution is now tax free" My interpretation is that only the drawn RMD Amount is tax free.

How do I find the block to enter my other RMD amounts in order to equal ths sum of my QCD distributions?

I am using Premier.  Turbo Tax wants me to pay for their assistance. Thanks and stay healthy and safe

 

 

 

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2 Replies

1099-R rmd's used in QCD total via another account

So you entered the total RMD for all 3 IRA accounts?  That should be all you have to do.   By other accounts it means besides IRA accounts.  Like 401k or inherited IRA.  You can’t combine an inherited IRA with your personal IRA.  @dmertz is that right?

dmertz
Level 15

1099-R rmd's used in QCD total via another account

"Note do not include the RMD for other retirement accouts you may have,"

 

That TurboTax instruction is misleading.  It should say, "Do not include any RMD amount that is satisfied with a distribution from a different account."

 

In other words, since you satisfied the total RMD for the three IRAs with one or more a distributions from only one of these IRAs, when entering this Form 1099-R, enter the total RMD for the three IRAs as the amount required to be distributed.

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