topic IRA Distribution not showing on 4a in Retirement tax questions

IRA Distribution not showing on 4a

Barb1959 — Wed, 11 Feb 2026 03:07:22 GMT

IRA Distribution is not showing on 4a but showing correctly on 4b. Turbo Tax rep says that it is OK to submit form with 4a blank. We have been retired and taking distributions from traditional IRA for over 9 years and I have never seen 4a left blank.

Re: IRA Distribution not showing on 4a

DoninGA — Fri, 16 Feb 2024 17:25:14 GMT

If the amount from box 1 on the Form 1099-R is the same as the taxable amount in box 2a, then on the Form 1040 Line 4a the distribution amount will not be entered. This is based on IRS rules for Lines 4a and 5a.

Re: IRA Distribution not showing on 4a

dmertz — Fri, 16 Feb 2024 17:26:16 GMT

If the entire amount distributed from IRAs is taxable, the IRS instructions specify that box 4a is to be left blank. TurboTax has conformed to this instruction for many, many years.

Re: IRA Distribution not showing on 4a

Barb1959 — Fri, 16 Feb 2024 17:28:41 GMT

Is this a new IRS rule? In the past 9 years, I have always seen a figure in 4a.

Re: IRA Distribution not showing on 4a

dmertz — Fri, 16 Feb 2024 17:32:48 GMT

The line numbers have changed but the rule has not and TurboTax has followed this rule for more than 9 years.

If you examine your past tax returns, you'll likely find that the amount on line 4b (or its equivalent) is lower than the amount on line 4a, either due to some amount being rolled over or to having had basis in nondeductible traditional IRA contribution reducing the taxable amount, calculated on Form 8606.

Re: IRA Distribution not showing on 4a

VolvoGirl — Fri, 16 Feb 2024 17:44:53 GMT

See IRS 1040 Instructions.
https://www.irs.gov/pub/irs-pdf/i1040gi.pdf

For line 4 page 26 top of last column……
Except as provided next, leave line 4a blank and enter the total distribution (from Form 1099-R, box 1) on line 4b.

For line 5 page 27 bottom of last column……
If your pension or annuity is fully taxable, enter the total pension or annuity payments (from Form(s) 1099-R, box 1) on line 5b; don’t make an entry on line 5a.

Re: IRA Distribution not showing on 4a

fanfare — Fri, 16 Feb 2024 23:49:39 GMT

The thing about taxes is, it can be many years before the lightbulb goes on and you realize the correct way to file as stated in the instructions, but you misunderstood.