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Can RMD from pensions count against other RMDs?

For several years I have agonized over the question, "Tell us how much . . . applies to the RMD that needed to be taken out." and the required answer, "All of this distribution was an RMD."   It seems to me that this answer should read something like, "This amount includes all the RMD."  I found it necessary, after years of blindly clicking the required answer, to dig deeply into the help FAQs to read that anyone receiving a pension is using all the RMD.. My question is, "Can this possibly excess RMD be counted against other RMDs, or possibly used for things like long-term-care insurance?"
4 Replies
Expert Alumni

Can RMD from pensions count against other RMDs?

Combining Different Types of Accounts

RMDs from non-Roth IRAs can all get bundled together. That is, after calculating the RMD for each of your non-Roth IRAs (including traditional IRAs, rollover IRAs, SEP IRAs, and SIMPLE IRAs), you can then add up all of those RMDs and take that total RMD from any combination of those accounts.

Employer-sponsored defined contribution plans — such as a 401(k) — work differently than IRAs. With them, you must calculate your RMD from each plan and take it from that plan. (Exception: If you have multiple 403(b) plans, you can combine the RMDs from those plans and take it from either of the 403(b) plans — much like you can do with IRAs.)

Level 15

Can RMD from pensions count against other RMDs?

No.  Regular periodic pension distributions satisfy the RMD requirement for that pension only.


TurboTax asks how much was RMD only to determine how much of the distribution is eligible for rollover.  Since none of the regular periodic pension distributions are eligible for rollover, in the context of a regular periodic pension distributions the distributions are RMD and are the RMD for only this pension.


Non-periodic distributions from a pension plan, say, a pension buyout, are eligible for rollover to another qualified retirement account to the extent that the distribution exceeds the RMD for that pension for the year, but, except for distributions from a 403(b) which can be applied to satisfy the RMD for another of the individual's 403(b) accounts,  the amount in excess of the RMD for one pension for the year still is not permitted to be treated as satisfying the RMD for any other retirement account.


IRAs are subject to different rules; a pension is not an IRA.

New Member

Can RMD from pensions count against other RMDs?

Can RMD from pensions count against other RMDs, or you don't reflect All RMD or NoRMD?

Can RMD from pensions count against other RMDs?

No.  Read answers above.  You can only aggregate the RMD from IRA accounts.

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