topic Do I need to report an RMD on my tax return? I received an IRA RMD in 2022 but it isn't reported on a 1099R. How do I report it on my tax return? in Retirement tax questions

Do I need to report an RMD on my tax return? I received an IRA RMD in 2022 but it isn't reported on a 1099R. How do I report it on my tax return?

theengs2111 — Mon, 23 Feb 2026 10:38:09 GMT

the bank said a 1099R isn't issued for this.

Re: Do I need to report an RMD on my tax return? I received an IRA RMD in 2022 but it isn't reported on a 1099R. How do I report it on my tax return?

VolvoGirl — Fri, 20 Jan 2023 16:53:53 GMT

The bank is wrong or ask another bank person. They have until Jan 31 to send you the 1099R. You have to report it. It is probably taxable. Did they take any withholding out of the RMD payment?

Re: Do I need to report an RMD on my tax return? I received an IRA RMD in 2022 but it isn't reported on a 1099R. How do I report it on my tax return?

xmasbaby0 — Fri, 20 Jan 2023 16:58:05 GMT

Yes--- if you took any money out of a retirement account.....whether it was an RMD or just money you took out....you will get a 1099R and you have to enter it on your tax return.

To enter your retirement income, Go to Federal> Wages and Income>Retirement Plans and Social Security>IRA 401 k) Pension Plan Withdrawals to enter your 1099R.

Re: Do I need to report an RMD on my tax return? I received an IRA RMD in 2022 but it isn't repor...

SharonD007 — Fri, 20 Jan 2023 18:56:32 GMT

Yes, you do need to report your RMD on your tax return. The account owner is taxed at his/her income tax rate on the amount of the withdrawn RMD but if the RMD is a qualified distribution from a Roth IRA, it is tax free. Also, any part that was already taxed is tax free (to the extent the RMD is a return of basis). You should have received a 1099R for your distribution from your bank. You should contact your bank again to request the 1099. If you do not receive it, please review IRS topic What to do if I do not receive my W2 or 1099R?