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To clarify,
Is the RMD you entered based on ALL your accounts or just one?
Turbo Tax changed this year. When it asks about the RMD it is only asking for that one 1099R you are entering. You need to enter the amount from box 1 on that single 1099R for the RMD, not the total RMD for all and even if it is more or less than the total.
RMD is based on one account. More than the RMD total of three accounts was taken from one account.
You can withdraw from only one account if they are both regular IRAs or 403b plans. If any of them are 401ks or 457 plans or the like then you have to take the required RMD from each account separately.
Make certain that the 'IRA/SEP/Simple' box is checked on all of the 1099Rs that you received and in the TurboTax system. If it is not then the system is doing the correct calculation.
Here is where that information can be found on the IRS website.
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