Husband and I (MFJ) each did a back door Roth for 2024. Have followed TT instructions explicitly several times, and it's still calculating 1 of them as taxable income.

Forum|Forum|11 months ago
April 13, 2025
1 reply
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Have answered all questions, and deleted and re-entered the 1099-Rs. Am I doing something wrong or is there a TT glitch?

TurboTax Deluxe Online

DanaB27

To verify, did you have any earnings before converting the funds? If yes, then these will be taxable in the conversion.

Did you have any pre-tax funds in the IRA/SEP/SIMPLE IRA? If yes, then the pro-rata rule applies. This means that with each distribution/ conversion you will have a taxable and nontaxable part. You can see the remaining basis on line 14 of Form 8606, this basis can be carried forward.

To confirm you made the nondeductible contribution in 2024 for 2024 and then converted it in 2024?

Or did you make a contribution for 2023 that was converted in 2024? If yes, then you should have a 2023 Form 8606 with a basis on line 14 which has to be entered when TurboTax asks about your prior basis:

Click on "Search" on the top right and type “1099-R”
Click on “Jump to 1099-R”
Click "Continue" and enter the information from your 1099-R
Answer questions until you get to “Tell us if you moved the money through a rollover or conversion" screen and choose “I converted some or all of it to a Roth IRA”
On the "Here's your 1099-R info" screen click "Continue"
Answer "Yes" to "Any nondeductible Contributions to your IRA?" if you had any nondeductible contributions in prior years.
Answer the questions about the basis from line 14 of your 2023 Form 8606 and the value of all traditional, SEP, and SIMPLE IRAs

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lagace292Author

Thank you for the response. No earnings, no pretax contributions. However this may be the issue… I funded my trIRA and did the Roth conversion last summer. My husband did his just last week though meant for 2024. Does this mean there are no entries for him at all on our 2024 taxes, it’s all taken care of next year?

AnnetteB6

He will only report the non-deductible Traditional IRA contribution on the 2024 tax return. He will receive the Form 1099-R reporting the distribution and subsequent conversion to the Roth IRA in 2025 to report on the 2025 tax return. Conversions are tied to the calendar year in which they occur, not a particular tax year like the contributions.

Reporting the non-deductible contribution on the 2024 return should not have any impact on the return itself. But if you had entered information about the conversion in the 2024 return, then that could be the source of your issue.

@lagace292

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