IRA RMD turned 73 in 2025. Took first RMD of $3,749 in 2025 but TT Desktop Home & Business reports it on line 4b as $3,442. How can I fix this?

[HICA]

Also, TT wants me to put -0- in amount of RMD required for 2025 since I could have waited until 4/1/26, but this looks like a problem for 2026 taxes.

[SteamTrain]

@HICA 

Yeah..  the RMD question/instructions for the first year is incomplete.  You enter a zero ONLY if you are delaying your RMD to the next year.  You go ahead and enter your actual RMD if you took it for 2025.

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A lower taxable amount??   Depends...

Did you transfer some to charity for a QCD?   that would lower it.

Did you indicate you had some non-deductible contributions to the IRA in the follow-up questions?  that might lower it too.

Not sure what else would do that.

[dmertz · Accepted solution]

If line 4a shows $3,749 while line 4b shows $3,442, this implies that you have indicated to TurboTax that you have basis in nondeductible traditional IRA contributions and TurboTax is calculating on Form 8606 Part I that the taxable amount of your $3,749 distribution is $3,442.  This would be because your traditional IRAs consist of 91.8% pre-tax money and 8.2% after-tax money.  Both pre-tax money and after-tax money distributed from your IRA satisfy your RMD.