topic Is inherited IRA money an RMD? in Retirement tax questions

Is inherited IRA money an RMD?

tregloff — Tue, 03 Feb 2026 13:20:55 GMT

Re: Is inherited IRA money an RMD?

BrittanyS — Tue, 04 Feb 2025 18:20:47 GMT

Depending on the terms of the IRA will determine if you have a RMD. Required Minimum Distribution (RMD) is the lowest amount you can withdrawal form you retirement account. This can be SEP, SIMPLE, or traditional IRA, 401(k), profit-sharing, 403(b), or any other defined contribution for the the year.

Per the IRS, "The factors that affect the distribution requirements for inherited retirement plan accounts and IRAs include:

Whether the account owner died after 2019 (the SECURE Act made changes to the RMDs for beneficiaries if the death of the account holder occurred after 2019).
The relationship of the beneficiary to the account owner and certain characteristics (spouse, minor child, disabled or chronically ill individual, entity other than an individual)
Whether the original account owner died before or after their required beginning date (the first date the original account owner was required to begin taking RMDs)."

See the link below for more information:

Retirement Topics - Beneficiary

Re: Is inherited IRA money an RMD?

Opus 17 — Tue, 04 Feb 2025 18:38:50 GMT

First, remember that "RMD" is the minimum amount you must withdraw, you can always withdraw more if you want to. The reason Turbotax needs to know what your RMD was is because there are a few things you can't do with your RMD (like deposit it into another IRA).

Yes, inherited IRAs generally have an RMD requirement. Exactly how much that is depends on who the original owner was in relation to you, how old they were, and when they died (because the laws have changed). Can you provide us those details?