Required minimum distribution 1099-R

user17743066769 — Mon, 30 Mar 2026 21:34:40 GMT

I entered my 1099-R for my retirement plan. I have an additional 1099-R that is for my RMD. When I enter that one, Turbotax wants to know "If your account was subject to a Required Minimum Distribution (RMD), we need to know the amount that was required to be distributed by December 31, 2025 from this account."

This 1099-R IS for that required minimum distribution. Do I enter 0 because it is the required minimum distribution?

Re: Required minimum distribution 1099-R

ReneV4 — Mon, 30 Mar 2026 23:02:24 GMT

It depends. The IRS allows you to calculate your RMD for each of your Traditional IRAs separately, but withdraw the total from just one of them. Therefore, if the first account already satisfied your total RMD, you can enter zero for the second account's RMD, even if that 1099-R's distribution was specifically your RMD.

If the first of your 1099-Rs covers your total RMD, you can use it to satisfy reporting your full RMD as follows:

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 1099-R
Click Continue through the entries you've made
"Let's get more information about your Required Minimum Distribution (RMD), enter the amount of your distribution as 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 "The entire distribution applied...", 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), Continue (not the pencil)
Then skip the second Form 1099-R questions about RMD by entering zero at step 4 above and just Continue through the remaining questions

Note: If you see a penalty (Form 5329 was generated) for not having taken your RMD, it is best to delete your original entries and start over to clear the penalty.

To delete your original 1099-R entries and the erroneous Form 5329 that was generated:

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 1099-R and then Form 5329

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Required minimum distribution 1099-R

Re: Required minimum distribution 1099-R