topic 1099R Input question on RMD in Other financial discussions

1099R Input question on RMD

SLYKTAX — Wed, 18 Feb 2026 02:27:25 GMT

I took my required RMD (not the first year) and did Roth conversion from my IRA account last year. That means my 1099R includes the RMD taken and the ROTH conversion.

TT asks: RMD due by Dec. 31, 2025. See attached.

I have taken all required. I believe is zero in my case.

Is the number asked referred to the required RMD for year 2025 or what is left to be taken?

Thanks

Re: 1099R Input question on RMD

ThomasM125 — Wed, 18 Feb 2026 23:33:57 GMT

I cannot see the attachment you are referring to, so I can't be too specific. Normally TurboTax is asking for your entire RMD for the current year though.

Re: 1099R Input question on RMD

SLYKTAX — Thu, 19 Feb 2026 03:28:22 GMT

Here are the attachments. I attached two different files with the same info hoping one of them can be read.

As I have nothing due to take if I put my required RMD number, my tax number would increase. So I have to put zero.

Re: 1099R Input question on RMD

VolvoGirl — Thu, 19 Feb 2026 06:02:12 GMT

I could view them on my iPad but not on my Windows Desktop. It wants to know the total RMD you needed to take from that account to check if you took it out. Did you take the RMD out before you did the Conversion? You can't convert any of the RMD amount. You might need to split your 1099R into 2. @dmertz

Re: 1099R Input question on RMD

dmertz — Thu, 19 Feb 2026 14:28:57 GMT

There should be no need to split the Form 1099-R. As an example, let's say that your RMD for 2025 was $1,000, which you took, and you later in 2025 converted $2,000 to Roth. The Form 1099-R would have $3,000 in boxes 1 and 2a, box 2b Taxable amount not determined marked, code 7 in box 7 and the IRA/SEP/SIMPLE box marked. I response to the question you are asking about, enter $1,000. On the next page, indicate that Some of the distribution applied to the December 31, 2025 RMD and enter $1,000 as the amount. Next, select "I converted some or all of it to a Roth IRA," then "No, I converted less than $3,000," and finally enter $2,000 as the Actual amount converted. Assuming no basis in nondeductible traditional IRA contributions, the result would be $3,000 on Form 1040 line 4b. (Oddly, TurboTax now seems to also put the $3,000 on line 4a despite the instructions for Form 1040 saying to leave line 4a blank under these circumstances. However, including it on line 4a has no effect on the rest of your tax return.)

Re: 1099R Input question on RMD

SLYKTAX — Thu, 19 Feb 2026 19:36:56 GMT

Thank you for the inputs and .

Entering the total RMD amount on you example really scared me of as in my case, it immediately increased my tax liability by $10K! However on the next page, indicate that Some of the distribution applied to the December 31, 2025 RMD and I entered my number as the amount. Next, select "I converted some or all of it to a Roth IRA," then "No, I converted less ....... and I have my tax liability came back down. What's a relief!

So, you said:

(Oddly, TurboTax now seems to also put the $3,000 on line 4a despite the instructions for Form 1040 saying to leave line 4a blank under these circumstances. However, including it on line 4a has no effect on the rest of your tax return.) That is good to know. Thanks a lots.