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user17755988374
Level 2
April 9, 2026
Question

Excess RMD for 2025

  • April 9, 2026
  • 1 reply
  • 37 views

My distributions from my IRA exceeded the 2025 RMD. Turbotax asks, "How much of this distribution applied to your December 31, 2025 RMD?" I'm not sure what to answer. My RMD was satisfied, but my distributions exceeded the RMD. How do I answer that?

    1 reply

    D
    DavidD66
    Level 15
    April 9, 2026

    I suggest you enter the same amount as the distribution.  It is not used for anything other than the software determining whether or not you met your RMD.  What you enter is not used on your tax return.  Entering the same amount as the distribution keeps it simple.  

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      U
      user17755988374Author
      Level 2
      April 9, 2026

      Thanks for the answer.

      On a different IRA, I missed making my 2025 RMD. Could the excess 2025 RMD on this IRA be counted as satisfying my total 2025 RMD (all IRA's)?

      R
      RobertB4444
      Level 15
      April 13, 2026

      Yes.  If you have multiple IRAs you have to calculate the RMDs separately but you may aggregate the RMD to take them all from one IRA if you like.  

      **Say "Thanks" by clicking the thumb icon in a post. **Mark the post that answers your question by clicking on "Mark as Best Answer"
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