Form 5329

tecoyi — Sun, 22 Feb 2026 22:16:54 GMT

Unfortunately, I forgot to take my RMD from an inherited-inherited IRA in 2025. I realized this on January 3rd, 2026 and promptly processed the withdrawal. From my understanding there is typically a penalty, but since I got the problem promptly i can request a waiver via form 5329. However, since I did not receive a 1099-R, I can't get the online turbo tax program to prompt the 5329 form. I have chatted with 3 agents online who all tried to help. I try to search form 5329 and i won't bring it up. I have tried serarching it on the turbo tax help with no results. However, found the form on the IRS website. Any suggestions?

Re: Form 5329

ReneV4 — Sun, 22 Feb 2026 23:08:31 GMT

To generate a Form 5329 without having received Form 1099-R, you can do the following:

Go to Wages & Income and select, Retirement Plans and Social Security, 1099-R...
Select, IRA, 401(k), Pension Plan Withdrawals (1099-R), then Start
Here, you will select Add a 1099-R, but will enter $0.00 in Box 1 and Box 2a since this is only to trigger the RMD interview, Continue
Click Continue through the interview, answering through next screens
When you reach Review your 1099-R Summary, click Continue
When you reach, "Let's get more information about your Required Minimum Distribution (RMD), enter the amount of your RMD that was due by December 31, 2025 Continue
On the next screen, "How much of this distribution applied to your December 31, 2025 RMD?",
Select "Some of the distribution applied...", Continue
Next, you will be asked, "Did you take out the remaining $ during the correction window?", Select, "Yes, I did", Continue
When you reach, "Review your 1099-R summary, Continue (not the pencil)
When you reach, "Let's go over any required minimum distributions (RMD), Select the pencil
Next, you will see, "Did you miss taking the...RMD...?", Select "Yes", Continue
Enter the amount of the RMD when you reach, "Tell us the Total RMD...", Continue
Select "Yes", when asked, "Did you take a corrective distribution...?", Continue
Do you want to request a waiver, select, "Yes", since you met the correction day for the remainder, Continue

topic Form 5329 in Retirement tax questions

Form 5329

Re: Form 5329