we didn't get a rdm

mousse94 · ‎March 30, 2026

penalty for no rdm

LaShaunA3

I assume you're referring to the excise tax penalty caused by a missed Required Minimum Distribution. To fix it, take the missed RMD as soon as possible and file Form 5329 requesting a waiver of the penalty. The 25% penalty may be reduced to 10% if corrected timely and is often waived when properly addressed.

If 2025 is your first RMD year, you may delay taking that RMD until April 1, 2026, and it'll still count for 2025. However, if it isn't your first RMD year, the distribution had to be taken by December 31, 2025. Taking it in 2026 won't satisfy the 2025 requirement. In that case, you should still take the missed amount promptly, report it correctly on your return, and follow the steps above.

For more information, see