topic Does rolling over part of on IRA to a Roth IRA count for RMD? in Retirement tax questions

Does rolling over part of on IRA to a Roth IRA count for RMD?

HarpistS — Wed, 22 Oct 2025 19:15:43 GMT

Re: Does rolling over part of on IRA to a Roth IRA count for RMD?

AmitaR — Wed, 22 Oct 2025 19:39:00 GMT

Rolling over part of an IRA to a Roth IRA does not count for RMD. You must take your RMD first from your traditional IRA before you can convert funds to a Roth IRA. Converting to a Roth IRA eliminates future RMD's for the converted amount, because a Roth IRA does not have an RMD requirement for the original owner. Keep in mind that any funds you're converting to Roth are taxed in the year of conversion.

For more info:

Retirement plans FAQs regarding IRAs

Re: Does rolling over part of on IRA to a Roth IRA count for RMD?

Opus 17 — Wed, 22 Oct 2025 19:42:58 GMT

No. You must take your RMD first. If you do the rollover first, and take your RMD second, then technically part of the rollover fails, and counts as a contribution instead, and must be removed if it is more than your contribution limit for the year (based on income and employment status). The IRS doesn't get the detailed level of paperwork to catch this (usually), but it is something to be aware of.