How do I determine the taxable portion of an RMD gross distribution amount using the general rule? Is it better to use downloaded version of Turbotax for this?

user17761986531 · ‎April 15, 2026

General rule for RMD?

Vanessa A

The downloaded version would be better to use since you can see the forms and if needed make corrections to text that is in blue directly on the form.

For most people the RMD is calculated by using your balance at the end of the previous year and dividing it by the number on Uniform Lifetime Table I, II, or III (depending on your situation)

So for example. If your balance in your IRA is $250,000 on December 31 of the previous tax year and you are 75 years old and you are married and your spouse is less than 10 years younger than you, you would divide the $250,000 by 25.5 for a total of $9,803.92. That would be your RMD for the year.

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dmertz

The IRS has a publication that covers the use of the General Rule.

https://www.irs.gov/pub/irs-pdf/p939.pdf

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How do I determine the taxable portion of an RMD gross distribution amount using the general rule? Is it better to use downloaded version of Turbotax for this?