In TurboTax Desktop, you are able to generate the required form automatically and then request your waiver directly on the form, by following these steps:
- Go to Open Form at the top left corner of your TurboTax screen and type 5329
- Select Form 5329-T
- On Form 5329-T, scroll down to Line 52a and input the $_ that was your RMD
- On Line 53a, input zero (0) for the amount of the RMD you took
- Input the $_ in Box A found just below Line 53b
- Click Explain just below the $_
- Write: "I mistakenly did not take the RMD for IRA. Upon discovering the error in 2026, I immediately withdrew the full 2025 RMD amount of $_. I have now set up an automatic withdrawal to ensure this does not happen again."
In TurboTax Online, you can generate Form 5329 by following these steps:
- Go to Wages & Income and select Retirement Plans and Social Security, 1099-R...
- Select, IRA, 401(k), Pension Plan Withdrawals (1099-R), then Start
- Here, you will select Add a 1099-R, but will enter $0.00 in Box 1 and Box 2a since this is only to trigger the RMD interview, Continue
- Use Distribution Code 7
- Leave the IRA/SEP/SIMPLE box unchecked
- Click Continue through the interview, answering through next screens
- Select Qualified plan, then Continue
- Select "None of the above" in the Do any of these situations apply to you? screen, then Continue
- Select, "No, it's another type of qualified retirement plan", then Continue
- When you reach, "Let's get more information about your Required Minimum Distribution (RMD)", enter the amount of your RMD that was due by December 31, 2025 Continue
- On the next screen, "How much of this distribution applied to your December 31, 2025 RMD?",
- Select "None of the distribution applied...", Continue
- Next, you will be asked, "Did you take out the remaining $ during the correction window?", Select, "No, I did not", Continue
- Select No on the Annuity information screen, then Continue
- When you reach, "Review your 1099-R summary", Continue (not the pencil)
- When you reach, "Let's go over any required minimum distributions (RMD)”, Select the pencil
- Next, you will see, "Did you miss taking the...RMD...?", Select "Yes", Continue
- Enter the amount of the RMD when you reach, "Tell us the Total RMD...", Continue
- Select "Yes", when asked, "Did you take a corrective distribution...?", Continue
- "Do you want to request a waiver", select, "Yes", Continue
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