RMD and State Withholding

Forum|Forum|5 months ago
March 31, 2026
2 replies
60 views

Greetings all.

For 2025, I was required to make an RMD from my IRA.

I have entered all the data into TT and pretty sure I had previously run the TT error check and everything was OK.

Today I ran the error check one last time prior to e-filing, and TT popped up an error message:

“For electronic filing, New York State withholdings can not be greater then or equal to gross distribution or state distribution”.

The 1099 form shows a gross distribution, Federal and State Withholding, but not State distribution.

So I'm wondering how best to address this issue?

If this is just an electronic filing thing, I don't my filing a paper copy by mail.

As always, thanks in advance for any information.

PS: Not sure if it matters or not, but I live in New York State.

Best answer by VolvoGirl

Expert Reviewed

On your 1099R, anything in box 14? If not then leave boxes 14, 15 & 16 all blank, no spaces.

If you have withholding in box 14 then enter the amount from box 2a into box 16 for the state distribution. If box 2a is blank use the amount from box 1.

VolvoGirlAnswer

Level 15

Expert Reviewed

On your 1099R, anything in box 14? If not then leave boxes 14, 15 & 16 all blank, no spaces.

If you have withholding in box 14 then enter the amount from box 2a into box 16 for the state distribution. If box 2a is blank use the amount from box 1.