Why does Turbotax want me to say my 2025 required minimum distribution does not satisfy my requirement?

[HICA]

First required minimum distribution.

[ReneV4]

The RMD calculation is based on information that is entered into TurboTax and not on your actual bank or brokerage records, so this can be resolved easily by following these steps. Therefore, if you did take the correct amount for your first RMD, do the following:

First, we will delete the original Form 1099-R entry:

1. Go to Wages & Income
2. Select Review to the right of IRA, 401(k), and pension plan withdrawals
3. Click on the trash can to the right of your Form 1099-R, which will delete the Form
4. Before you add it back in, click on Deductions & credits on the left panel to allow the system to refresh

Now, click back on Wages & Income to return to input the Form 1099-R information again:

1. Go to Wages & Income on the left panel within your TurboTax account
2. Scroll down to Retirement Plans and Social Security and click on the down arrow to the right
3. Click Start to the right of IRA, 401(k), Pension Plan Withdrawals (1099-R)
4. Click the Yes box when you see, "Did you get a 1099-R...?"
5. Click the "Enter a different way" box
6. Click the "Type it in myself" box
7. Click on the box that pertains to your type of 1099-R (typically the first box), Continue
8. Next, you will see, "Enter your 1099-R provider's info", complete that, then Continue
9. Next, you will see "Enter your 1099-R details from _". Enter the information from the original Form 1099-R that you received
10. Ensure the details from your Form 1099-R are correct checking for which Distribution Code was used in Box 7 (or review if imported), then Continue
11. Continue through until you reach, "Let's get more information about your Required Minimum Distribution (RMD)", enter your RMD due by December 31
12. Next, you are asked, "How much of this distribution applied to your December 31 RMD?"
13. If you select "Some", you will need to enter the amount of the distribution that applied to your RMD*
14. You will reach "Review your 1099-R summary", press Continue (not the pencil) and additional questions will generate for you to answer
15. When you reach "Let's go over any required minimum distributions (RMD)", Continue (not the pencil)

The above steps should resolve the incorrect penalty calculation.

[HICA]

Thank you for responding to my question, but I am still having a problem.  I am using the Desktop Home & Business version of Turbotax for 2025 taxes if this makes any difference.  First of all, it won't delete the 1099-R for my RMD even if I delete it and go to Deductions & Credits, when I return to the IRA section, it's still there, and it's still there even if I delete and save and close and reopen the return.  I even opened a new tax return but the input and result were exactly the same.  Also, for some strange reason it shows a taxable amount 9.18% lower than the actual distribution on both the original tax return and the new one even through lines  1 and 2a are the same amount.  If I put a zero in the box for RMD required by December 31, 2025 it wants to know the balance of my IRA on 12/31/25.  I'm afraid if I leave the zero in the required RMD box I will have a problem with it expecting two RMDs in 2026.  If I mark my 2025 RMD as due by December 31, 2025 (even though Turbotax says not to if its not technically due until 4/1/2026), does this create any problems for me this year or next?  I need to get this correct,

[Huffk]

I appear to be having the same issue.  It asks for the RMD that should be paid by Dec 31 (this amount is less than the amount i entered for taxable distribution.  In the past it asked a second question, how much of this distribution applied to RMD.  There is no second question.  It automatically calculates a penalty

[Huffk]

I stand corrected.  I did not go far enough.  Even though it calculated a penalty, the next screen allowed me to enter additional information that reversed the penalty.