How to report RMD due April 1

[user17719558842]

I turned 73 in 2025.  My distribution for the 2025 RMD was short $5K so I took the $5K in January 2026.  

TurboTax asks for "RMD due by Dec 31, 2025" and "Do not include RMDs which are due on April1."

Would I enter the amount it SHOULD have been due on Dec 31, 2025, or do I enter the amount MINUS the $5K that is due April 1? 

[ReneV4]

Yes. You would enter the amount that you should have taken by December 31, 2025 because otherwise, TurboTax will think your total RMD is less than the required amount.

When you reach the screen that asks you how much of the RMD you took, enter the actual amount of RMD you received in 2025. Do not include the amount you took in 2026. That will be reported on your 2026 return.

Because you turned 73 in 2025, you have a grace period of April 1, 2026 to take your RMD. Since you took it in January, you complied with the requirement and there should be no penalties.

[user17719558842]

I cannot move past the screen that asks how much of the RMD I took.  Error message says "RMD amount shouldn't be greater than the total distribution."  

In my case, the total RMD amount IS GREATER than the amount I took in 2025.

The error will not let me continue or move off the screen. 

How do I move past this error message?

[fanfare]

The amount of RMD due in 2025 is ZERO for a person of your age (first RMD due in 2026).

That's how the IRS describes it.

@user17719558842 

That should get you past the confusion caused by TurboTax.

[VolvoGirl]

Try just entering the amount of the 1099R box 1 for the RMD.   

[p21stoll]

I hate to admit that this has been very confusing. I turned 73 in October of 2025. I decided to take advantage of the April 1, 2026 extension  to withdraw my RMD. I made the withdrawal on March 2, 2026. Since I had the extension, I assumed I would be able to report the RMD (the one I withdrew in March 2026) as earnings to be included in 2025. As I have looked into this more closely, it would appear that I made a big mistake. It seems that the only break I got was from the penalty portion of delaying the RMD a couple of months. It is becoming increasingly clear that the RMD itself will now have to be combined with the next one I will need to take before December 31, 2026. I would love to have someone tell me I am wrong about the double RMD hits in 2026. 

[VolvoGirl]

Sorry.  You have to report both RMDs on your 2026 tax return.   You'll probably get one 1099R for the total of both.   If it was a lot you might want to send in an extra estimated payment to cover the tax.