I did my taxes using deluxe version. I did not use the schedule D I did have a carryover from last year

[JK86291]

Why am I being told to upgrade to premium

[rjs]

I assume that the carryover you have is a capital loss carryover. You have to use Schedule D to report the capital loss carryover. Schedule D is not included in Deluxe.

You have to carry over the capital loss from year to year until it's used up. You can't skip a year. If you omit the carryover this year you will lose it because your 2024 tax return will not show any capital loss carryover to 2025.