topic RMD for a pension & IRA in Retirement tax questions

RMD for a pension & IRA

IHike2 — Sun, 08 Feb 2026 04:16:40 GMT

I get $20,000 a year from a pension and have an IRA. Do I add both of them together to calculate the RMD?

Re: RMD for a pension & IRA

xmasbaby0 — Sun, 08 Feb 2026 04:56:40 GMT

No. When you enter a 1099R for a pension you say it was all an RMD. As for the distribution from the IRA--if you do not know the RMD amount ask the financial institution the handles the retirement account---they can tell you how much it was supposed to be.

Re: RMD for a pension & IRA

IHike2 — Sun, 08 Feb 2026 05:29:04 GMT

Pension of $20,000 the RMD is the $20,000. IRA of $100,000 my RMD is $4219.41 How do I figure my total RMD?

Re: RMD for a pension & IRA

RogerD1 — Thu, 12 Feb 2026 14:59:24 GMT

Money withdrawn from a pension automatically satisfies the RMD requirement for that account as those payments are typically fixed and occur over a lifetime. You IRA is subject to RMD after reaching a defined age - for 2025 anyone born before 1953 should be removing RMD from any traditional IRA or 401(k), 403(b), etc. plan. If your IRA custodian calculated your RMD and distributed it to you correctly as $4219.41, then that amount will satisfy your RMD for that account, if this is the only traditional plan that you have.