Why sign in to the Community?

  • Submit a question
  • Check your notifications
Sign in to the Community or Sign in to TurboTax and start working on your taxes
Level 3
posted Oct 22, 2025 3:54:07 PM

How will receiving Social Security benefit affect my RMD ?

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

0 1 2114
1 Replies
Level 15
Oct 22, 2025 4:01:12 PM

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.