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Level 2
February 10, 2026
Solved

Pension and IRA RMD

  • February 10, 2026
  • 2 replies
  • 63 views

I am still confused, my pension is $20,000 a year and considered all as the RMD. My IRA is $100,000 which has an RMD of $4065. So is $24,065 my RMD for the year? Does the pension RMD cover the RMD for the year? So I would not have to take anything out of the IRA? 

    Best answer by dmertz

    Expert Reviewed

    No part of a pension distribution satisfies any part of your IRA RMD.  The IRA RMD is required to be satisfied by a distribution from your IRA.

    2 replies

    Level 15
    February 10, 2026

    If you receive your pension in instalments then all payments are considered RMDs.

     

    Your RMD is $4,085 and you have satisfied your RMD. There is no additional distribution required.

     

    In TurboTax, you can answer that the whole sum received is RMD and that your RMD is equal to the total received. 

     

    This way, TurboTax will know that you have satisfied all RMD requirements.

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    dmertzAnswer
    Level 15
    February 10, 2026

    Expert Reviewed

    No part of a pension distribution satisfies any part of your IRA RMD.  The IRA RMD is required to be satisfied by a distribution from your IRA.