Required Min distribution - Turbo Tax wants to calculate penalty

[rickbj46]

My 1099R Tax amt is $31,294.  Min Req Distribution (from my Fin Planner, Wells Fargo) is $11297.  Why a penalty according to TurboTax?   My wife Tax amt $3991.  Min Req Distribution (again Wells Fargo) $3990.   Again Turbo Tax wants to calculate penalty.   Is there a problem with TurboTax?

[jtax]

To figure out an RMD for you (or your wifes) we would need to know your age as of 12/31/2025 and the value of all your IRAs on 12/31/2024 (the end of the prior tax year). Also, indicate whether the IRA was inherited, as different rules apply.

Or you could just verify yourself with any of the various online calculators, such as

https://www.schwab.com/ira/ira-calculators/rmd

[jtax]

Also, it is helpful when giving amounts, as you did from a 1099-R, to say which "box" number the amount is on, rather than "tax amt." I assume that is box 2a, but what about box 1, the 2b checkboxes, or box 7?