I have always taken the RMW on IRA accounts. Extra large withdrawal this year How do I make proper entry into Turbo Tax to eliminate the excess accumulation penalty?

[rjs]

There is no penalty for withdrawing more than the RMD. Just enter your 1099-R and answer the follow-up questions.

You only have excess accumulation if you withdraw less than the RMD or don't make any withdrawal at all. Excess accumulation does not mean that you made an excess withdrawal. You can withdraw more than the minimum anytime you want to. Excess accumulation means that you have more money in your IRA than you should because you didn't withdraw the required minimum amount.

[linnstaedt]

I suspect siftware fault.

The "expert" does not accept there should be zero tax. The software is making an error.

The software has a fault.

[RogerD1]

When you enter a 1099-R in TurboTax that has an RMD requirement, you get to a screen Let's get more information about your Required Minimum Distribution (RMD).  If the withdrawal is equal to the RMD, then you enter the Box 1 amount in the RMD due by Dec. 31, 2025 box.  On the next screen How much of this distribution applied to your December 31, 2025 RMD? you would check The entire distribution applied to the December 31, 2025 RMD, then Continue.  This will give TurboTax the information it needs to show that your distribution will be free of a penalty.