1099-R Asking for RMD when it's a Roth IRA and Has Code Q

[snoocher]

Hi - On an inherited Roth IRA, box 7 has code Q, but Turbo Tax is asking me for RMD information. I cannot get past this 'needs review'. I did enter the RMD from another account we inherited in 2025, but that doesn't help (and made my tax owed higher).

Any suggestions?

[LindaS5247 · Accepted solution]

Depending on your circumstances, if you inherit a Roth IRA, RMDs may be required based on IRS rules. Generally, you must take an RMD from an inherited ROTH IRA, even though the owner did not have to. For a beneficiary that is a non-spouse, an inherited Roth IRA must be fully distributed by December 31 of the 10th year following the owner's death (the "10-year rule") with no annual RMDs required during years 1–9. 

If TurboTax is asking for RMD information for your inherited ROTH IRA and stating "Needs Review" you can try deleting that Form 1099-R and re-entering it. Also, go through your follow-up screens and make sure all of the questions are answered correctly. 

These distributions are taxed as ordinary income.

Code Q on Form 1099-R (Box 7) is correct as it indicates a qualified distribution from a Roth IRA. Code Q generally indicates that the five-year holding period requirement for a qualified, tax-free distribution has been met. 

Click here for Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs)

Click here for Retirement topics - Beneficiary

Click here for What are required minimum distributions (RMD)?

Click here for How Does an Inherited IRA Work?

Please return to Community if you have any additional information or questions and we would be happy to help.

[snoocher]

Thank you - good info. It was a de minimus amount to zero the account after the main balance was transferred to us.

Deleting and re-uploading worked great.