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New Member

Can a RMD from one IRA satisfy other RMD?

3 Replies
Level 15
Level 15

Can a RMD from one IRA satisfy other RMD?

For RMDs, you can combine all your traditional IRAs, other than inherited IRAs. You can take the combined RMD from any one or more of the IRAs, in any amounts you choose, as long as you take the total amount. For inherited IRAs and 401(K) accounts, the RMD has to be taken from each account in the amount required for that account. You cannot combine them.


Opus 17
Level 15

Can a RMD from one IRA satisfy other RMD?

An RMD is not a specific transaction.  It is the minimum amount you musts withdraw, sometime during the year, based on your account balances and your age.  You can always withdraw more if you like, but you will be penalized if you withdraw less than the minimum amount.


The minimum amount you must withdraw from your IRAs is based on the combined balance of all your IRAs, and you can withdraw that money from any of your IRA accounts in any combination, as long as the total of the withdrawals is equal or more than the minimum you are required to withdraw.


Don't confuse IRAs with other types of retirement plans like 401(k)s.  An IRA is not a 401(k) even though they have similar purposes--they are controlled by different sections of tax law.  If you have an IRA and a 401(k) (or other workplace plan) those RMDs must be calculated and taken separately. 

*Answers are correct to the best of my ability at the time of posting but do not constitute legal or tax advice.*
Level 15

Can a RMD from one IRA satisfy other RMD?

and each spouse who must take his/her own RMD, must take it from his/her own account, not that of the other spouse.

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