RMD penalty

[user17691996923]

Traditional IRA plus inherited. Distributions taken from both accounts exceeding RMD for 2025. Traditional IRA distribution less than calculated RMD. Inherited distribution to close account taken to reach combined RMD for 2015. TurboTax says I am short on RMD and owe tax on shortage? Why? An example for illustration:

Traditional IRA RMD 20,000. Distribution taken 18,000

Inherited RMD 110. Distribution taken 2300

Total distribution is above combined RMD. There should be no penalty. 

Did I enter something wrong in TurboTax? How does this get corrected?

Thank you fr any assistance

[fanfare]

You can't apply Inherited IRA distribution to Traditional IRA RMD.

Therefor, you are short and will have a penalty unless you can get IRS to waive the penalty.

@user17691996923