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Level 2

Solved

How will receiving Social Security benefit affect my RMD ?

Forum|Forum|9 months ago
October 22, 2025
1 reply
100 views

How will receiving Social Security benefit affect my RMD ? Any age dependencies?

Ask the Experts - Navigating - Oct 2025

Best answer by xmasbaby0

Expert Reviewed

The amount of your RMD is not affected by Social Security benefits. The amount of the Required Minimum Distribution you take from a retirement account like an IRA is determined by your age, the amount of money in the retirement account and your life expectancy factor.

The amount of tax you owe/refund will be determined by the TOTAL amount of income you receive, including your SS benefits and the money from your retirement account (and any other sources of income you have). You will enter all of that into your tax return along with how much tax was already withheld from the income; the software will calculate whether you owe more or get a refund.

Answer

Level 15

Expert Reviewed

The amount of your RMD is not affected by Social Security benefits. The amount of the Required Minimum Distribution you take from a retirement account like an IRA is determined by your age, the amount of money in the retirement account and your life expectancy factor.

The amount of tax you owe/refund will be determined by the TOTAL amount of income you receive, including your SS benefits and the money from your retirement account (and any other sources of income you have). You will enter all of that into your tax return along with how much tax was already withheld from the income; the software will calculate whether you owe more or get a refund.

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**