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Level 1
posted Jan 17, 2025 11:26:38 AM

What do I put for the RMD question? My husband turned 73 in Dec. They are asking about RMD but my husband only receives a monthly pension and does not have an IRA. ?

They're asking how much of his pension was RMD. Entire; part or none. If I say none then the next question is what should have been the RMD ? Pensions are not part of RMD. Help

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2 Best answers
Level 15
Jan 17, 2025 11:32:21 AM

All of the pension is an RMD.

Level 15
Jan 17, 2025 11:32:35 AM

It's whatever they send you. Say all of it is the RMD. If you are 72 it will ask you if it is the RMD. Say yes and enter the amount as the RMD amount. The pension doesn't need to calculate any RMD. Anything your pension pays you is considered to be the RMD. Traditional pensions automatically fulfill the rules of an RMD.


Another user said….. The monthly pension payments are required distributions that are ineligible for rollover, so these, by definition, are RMDs.

5 Replies
Level 15
Jan 17, 2025 11:32:21 AM

All of the pension is an RMD.

Level 15
Jan 17, 2025 11:32:35 AM

It's whatever they send you. Say all of it is the RMD. If you are 72 it will ask you if it is the RMD. Say yes and enter the amount as the RMD amount. The pension doesn't need to calculate any RMD. Anything your pension pays you is considered to be the RMD. Traditional pensions automatically fulfill the rules of an RMD.


Another user said….. The monthly pension payments are required distributions that are ineligible for rollover, so these, by definition, are RMDs.

Level 1
Jan 17, 2025 11:54:50 AM

Thank you so much. Your help is appreciated.

Returning Member
Mar 19, 2025 12:27:37 AM

If the pension amount is also RMD - why does turbotax software add the tax amount twice for the one pension amount?

Level 15
Mar 19, 2025 9:05:12 AM

@crowellr001   What tax or where are you seeing it twice?   You pay tax on the full pension (line 5b) and then get credit for the tax withholding on 1040 line 25b.   Check your actual  1040 tax return.