topic Reporting an RMD Withdrawal from qualified Roth 401K so that it is not taxed in Retirement tax questions

Reporting an RMD Withdrawal from qualified Roth 401K so that it is not taxed

jvn45 — Mon, 09 Mar 2026 09:22:39 GMT

Re: Reporting an RMD Withdrawal from qualified Roth 401K so that it is not taxed

JulieS — Tue, 01 Mar 2022 23:12:01 GMT

If the distribution is an RMD that means either you are 72 years old or older, or you inherited the account from someone else.

Either way, you should be able to enter the Form 1099-R, answer the follow up questions and it should show up as non-taxable.

Select Federal on the left side menu.
Under Wages & Income, find IRA, 401(k), Pension Plan Withdrawals (1099-R).
Select Add/ Edit to the right.
Answer Yes on the next screen.
Scroll to the bottom and click Skip this.
Click Continue.
Scroll to the bottom and select Change how I enter my form.
On the next screen select, I'll type it in myself.
On the next screen select the type of 1099-R you have.
Click Continue.
Enter the information from your 1099-R form.

If you have entered the form already and it is showing as taxable and/ or subject to a penalty, please clarify the box 7 information and whether there is a number greater than $0 in box 2a.

Re: Reporting an RMD Withdrawal from qualified Roth 401K so that it is not taxed

dmertz — Wed, 02 Mar 2022 01:13:06 GMT

For a distribution from a qualified Roth 401(k), the Form 1099-R provided by the payer should have $0 in box 2a as the taxable amount and box 2b Taxable amount not determined unmarked. (It's the payer's responsibility to properly report this.) TurboTax will treat this as nontaxable, including the entire amount on Form 1040 line 5a but excluding it all from line 5b.