RMD Clarification

[melpaw57]

Greetings all.

Similar to another question I've seen on this forum, I turned 73 in October of 2025. I made my first RMD and got my 1099R, and entered the amounts into TT. On the RMD page in TT, where it asks me to enter the amount due

by 12/31/2025, I entered zero, since this is not due 'till 04/2026.

So my question is, how does TT know that I'm making this RMD (how does it get reported to the IRS)? Do I have to enter that on my 2026 taxes, and if so, how will I do so since I'll have no 2026 1099R to report?

Sorry if I'm missing something simple or obvious here.

Thank you. 

[MaxA1]

The IRS is also informed of your RMD that is due 04/2026 and subsequent years.  They will make sure you took at least the RMD amounts before the due date and base any potential penalties on that.  You won't need to specify the RMDs next year.  Next year you will enter the RMD amount due at 12/31/26 and turbo tax will assess any potential penalties based on that.

[frankloc76 · Accepted solution]

I came across this same dilemma. The question about not typing in RMD amount seems to need to be better written. I.e.--If you turned 73 in 2025, Do not include calculated RMD in the box as it is not due until April 2026." or some such clarification.

[melpaw57]

Thank you. So how is the IRS informed about my RMD? Via a copy of my 1009? I don't think there's anything on the 1099 that indicates it's for an RMD, is there?

[frankloc76]

Correct. There is nothing that shows RMD in the 1099. It is why you must report it via TT by answering the question. It is because one may have multiple IRAs, so multiple reporting. But one "total rmd".

The main question here was clarifying i.n the question for the first year reporting of RMD.

[frankloc76]

Also..the IRS knows your age so it knows you have taken a distribution from your IRA via the 1099. 

[VolvoGirl]

The plan should send you a 5498 form each year to tell you how much RMD you need to take from that plan.   The IRS will get a copy.  You can combine all your IRA accounts and take the RMD from 1.  But all other accounts like 401K have to be taken individually from each account.  Hope that makes sense.   

[melpaw57]

So I guess by entering $0 in the box that says:

"RMD due by Dec. 31, 2025", it tells TT that this distribution is an RMD?

I was looking for a question somewhere that specifically asks me whether this

distribution is an RMD or not.

[VolvoGirl]

Yes.  It knows you have to take the RMD by your age.   So if you get that question it knows you are that age and need to take the RMD.  Like I just turned 73 and need to start taking RMD this year from my IRA and 401K.

[melpaw57]

Thanks to all who responded.  As noted there are numerous RMD posts on this forum, so it seems that TT could improve on this section of the program.