Error in RothDistr?

Dear Turbotax:

Daughter went to H&R Block to get her taxes done for 2025; she owed “$3,340.” Later she asked me to check, since I use TTax. I ran her numbers and TTax says she only owed $2,327.

Here is her problem: She started a Roth in 2023, added to it in 2024, and had $44,400 in the Roth in early 2025. She needed money and withdrew $5,000 from the Roth early and withheld $500 as the “penalty” (she thought). Later in the year, she “got well” financially and contributed $30,000 back to the Roth withholding $3,600 for the IRS.

In looking at he two versions, HRB says that line 4b is $35,000 (no line 4a), and TTax says line 4a is $35,000 and b is $30,000. That is the only significant difference.

Who is right, or have I made an error???

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