Turbotax saying difference between RMD amount and actual distribution that is inaccurate

Melissa_T — Wed, 11 Feb 2026 04:17:30 GMT

My husband has 3 inherited IRA accounts which he receives a 1099-R for. For all three, he takes the RMD amount exactly, and ONLY the RMD amount as a withdrawal near the end of each year.

We entered the 1099-R info for each of the 3, via upload and confirmed that the amount withdrawn was equal to the amount of the RMD, yet once the "Federal Review" step took place- I received a message that states

"It looks like the difference between Michael's required minimum distribution and what M. took out for this account is $XXXXX. This amount is subject to penalty, but the rate is lower if M. withdrew the remaining $XXXXX during the correction window.

Did M. take out the remaining $XXXXX during the correction window?"

The amount it is listing just so happens to be the exact amount of the withdrawals- which is also the exact amount of the RMDs. It's like it's doubling what it thinks he withdrew? Or ignoring the information we provided to say that the entire amount was an RMD?

I called and spent 40+ minutes on the phone with one of the experts- but she was not able to figure out the problem.

I'm using the online version with "expert assist premium" if that helps.

Re: Turbotax saying difference between RMD amount and actual distribution that is inaccurate

ReneV4 — Thu, 12 Feb 2026 00:19:06 GMT

To report each of your three Form 1099-R distributions for your inherited IRAs, which each total exactly the amount of the RMD for each, do the following:

Return to your 1099-R entries by clicking Review to the right of IRA, 401(k), Pension Plan Withdrawals (1099-R) in the Federal Wages & Income
Click on the pencil to the right of the first 1099-R
Click Continue through the entries you've made
Ensure you selected, I inherited this IRA, Continue
Enter the information about from whom it was inherited, Continue
Answer the, "Did you have nondeductible contributions for this IRA?", typically "No", Continue
Year when the person from whom you inherited IRA was born, Continue
Next, "Let's get more information about your RMD", enter the distribution amount (which in your case is also the RMD), Continue
Next, select, The entire distribution applied to the December 31, 2025 RMD, Continue
Next, in the Review your 1099-R summary, Continue (not the pencil)
Continue answering the questions
Next, when you see "Let's go over any required minimum distributions (RMD), select Continue (not the pencil)

Follow the above steps for each of your Form 1099-R entries.

If you still receive alerts about RMDs, be sure each number is exact for each box. You mentioned uploading, so it's a good idea to carefully review.

If after doing the above steps, you receive alerts, you may go in and remove the Form 5329 (if one was generated), since you know it is all correct.

To delete Form 5329:

Go to Tax Tools on the right hand panel inside of TurboTax
Click on the down arrow and scroll down to Tools
Click on Tools and select Delete a form from the menu items that appear in the Tool Center
Click on the trash can icon to the right of Form 5329

topic Turbotax saying difference between RMD amount and actual distribution that is inaccurate in Retirement tax questions

Turbotax saying difference between RMD amount and actual distribution that is inaccurate

Re: Turbotax saying difference between RMD amount and actual distribution that is inaccurate