Why is TurboTax not including federal income tax withheld as part of RMD distribution?

sskbsutton — Sun, 22 Feb 2026 17:46:40 GMT

There is a $4000 distribution with $400 federal income tax withheld. I should get credit for a $4400 RMD distribution, but TurboTax only says $4000.

Re: Why is TurboTax not including federal income tax withheld as part of RMD distribution?

Opus 17 — Sun, 22 Feb 2026 19:56:44 GMT

You need to look at your 1099-R. One possibility is that you withdrew $4000, had $400 of withholding, and received $3600 net. That should have $4000 in box 1 and $400 in box 4.

Another possibility is that you withdraw $4400, had $400 withheld, and received a net of $4000. Then your 1099-R should have $4400 in box 1 and $400 in box 4.

If your 1099-R is wrong you have to contact the broker for a corrected 1099. If it was case #1 where you withdrew $4000 and netted $3600, then it is, in fact, a $4000 withdrawal. The withholdings from box 4 go to your credit, but may not represent the total amount of tax owed, which depends on all your other income, deductions and credits.

topic Why is TurboTax not including federal income tax withheld as part of RMD distribution? in Retirement tax questions

Why is TurboTax not including federal income tax withheld as part of RMD distribution?

Re: Why is TurboTax not including federal income tax withheld as part of RMD distribution?