When is the last day I can withdraw Traditional IRA money for 2025?

[rmausling]

Can I withdraw regular IRA money, for 2025 in January 1016?

[VolvoGirl]

Has to be in  2025.  So by Dec 31, 2025.  Don't wait until the last few days, it might not process before the end of the year.  

[VolvoGirl]

Although if you need to take the first RMD withdrawal in 2025 you can delay the first RMD until April 1, 2026.  But that would go on your 2026 return, not 2025.   

[xmasbaby0]

Assuming your typo meant 2026 (instead of 1016), money you take out of your IRA by the end of 2025---by 12-31-2025 --  must be reported on your 2025 tax return.   If you wait and take money out in January 2026, that distribution will go on your 2026 tax return.   As @VolvoGirl cautioned you, if you wait until the last minute or last few days of the year, it can cause problems with when the financial institution actually sends the money and with what year they put on your 1099R.   If you want to take money out in 2025, do not wait until New Year's Eve.

[rmausling]

Thank you VolvoGirl for both your answers.  Just what I needed.

[rmausling]

Thank you xmasbaby0, just what I needed.

[Opus 17]

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@VolvoGirl wrote:

Has to be in  2025.  So by Dec 31, 2025.  Don't wait until the last few days, it might not process before the end of the year.  

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IRA contributions can sometime be retroactive.  Withdrawals only happen on the day they happen, the date can't be adjusted.  

[rmausling]

Thank you.