First and Second Year RMDs

montanaquilter — Thu, 12 Feb 2026 18:46:15 GMT

I have two IRA accounts that require RMDs. In 2025, I took my first ever RMD due in 2024 before April 1, 2025. Later in the year I took my actual 2025 RMD. In Turbo Tax I am entering two IRA accounts, and just the total distributions for 2025. It does not seem to allow me to designate that some of my distributions were to count as the RMD of 2024, but taken before April 1, 2025. Please help me figure this out, I am so confused!

Re: First and Second Year RMDs

ReneV4 — Sat, 14 Feb 2026 17:22:57 GMT

Because you fulfilled your RMD requirement in time for 2024, it should be zero and you should enter your 2025 RMDs in the boxes.

To designate the RMD amounts for each Form 1099-R, do the following:

Return to your 1099-R entries by clicking Review to the right of IRA, 401(k), Pension Plan Withdrawals (1099-R) in the Federal Wages & Income
Click on the pencil to the right of the first 1099-R
Click Continue through the entries you've made
"Let's get more information about your Required Minimum Distribution (RMD), enter the amount of your RMD that was due by December 31, 2025, Continue
On the next screen, "How much of this distribution applied to your December 31, 2025 RMD?", enter your RMD that you entered in the prior screen, Continue
When you reach, "Review your 1099-R summary, Continue (not the pencil)
When you reach, "Let's go over any required minimum distributions (RMD), Continue (not the pencil)

Additionally, if one of your Form 1099-R distributions covers both RMDs for 2025, you can enter the full amount of the two RMDs in the first Form 1099-R distribution above and then skip the second Form 1099-R questions about RMD by entering zero at step 4 above and just Continue through the remaining questions.

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First and Second Year RMDs

Re: First and Second Year RMDs