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New Member
posted Jun 4, 2019 9:14:56 PM

I am self-employed,draw a salary and get a K-1 from an S-Corp. I put money in a SEP every year. Turbotax Premier will not show that on 1040 How do I get it to do so?

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1 Best answer
Level 15
Jun 4, 2019 9:14:57 PM

You are not self-employed with respect to the S corp (except in regard to a self-employed health insurance deduction).  You are an employee of the S corp.  Your S corp is responsible for making your SEP contribution, up to 25% of the amount reported in box 5 of your W-2, and reporting the deduction on line 17 of the S corp's Form 1120S.

Since you are not self-employed (unless you have a separate self-employment business), you do not need TurboTax Self-Employed.  Online TurboTax Premier is sufficient to be able to report your Schedule K-1 (Form 1120S).

A retirement contribution deduction shown on Form 1040 line 28 can only come from net profit reported on Schedule C or (positive) net income from self-employment reported with code A in box 14 of a Schedule K-1 (Form 1065) from a partnership.

9 Replies
Level 15
Jun 4, 2019 9:14:57 PM

You are not self-employed with respect to the S corp (except in regard to a self-employed health insurance deduction).  You are an employee of the S corp.  Your S corp is responsible for making your SEP contribution, up to 25% of the amount reported in box 5 of your W-2, and reporting the deduction on line 17 of the S corp's Form 1120S.

Since you are not self-employed (unless you have a separate self-employment business), you do not need TurboTax Self-Employed.  Online TurboTax Premier is sufficient to be able to report your Schedule K-1 (Form 1120S).

A retirement contribution deduction shown on Form 1040 line 28 can only come from net profit reported on Schedule C or (positive) net income from self-employment reported with code A in box 14 of a Schedule K-1 (Form 1065) from a partnership.

New Member
Jun 4, 2019 9:14:59 PM

Did you get this figured out did you have to upgrade to business turbo tax to accomplish this task?

Level 15
Jun 4, 2019 9:15:01 PM

You will need to upgrade to the Self-Employed online edition to report your SEP contribution. 

Enter self-employed retirement in the Search box located in the upper right of the program screen.  Click on Jump to self-employed retirement

Level 15
Jun 4, 2019 9:15:03 PM

This individual is not self-employed unless there is a separate self-employment business.  If there *is* a separate self-employment business, the two businesses might constitute a controlled group, depending on this individual's ownership and control stake in the S corp.  Given that this individual is using TurboTax Premier and the wording of the question, I suspect that there is no self-employment business.

Level 15
Jun 4, 2019 9:15:04 PM

Thank you for clarifying that point.  Much appreciated.

New Member
Jun 4, 2019 9:15:06 PM

I too own a s corp, and need to enter my sep I was told that I have to upgrade to the business, to enter the sep Ira contributions

Level 15
Jun 4, 2019 9:15:07 PM

TurboTax Business is not an "upgrade."  TurboTax Business is a separate TurboTax program for preparing corporate, estate and trust income tax returns.  Your S corp's SEP contribution to your SEP-IRA account is a deduction on your S corp's Form 1120S, not on your individual tax return.

Do not confuse TurboTax Business with TurboTax Home & Business for sole-proprietors.

Level 2
Jul 14, 2020 9:05:04 AM

Great answer -- thanks.

But, what is the case of a self-employed worker with an LLC -- sole partner.  How do we treat wages or DRAW for the self-employed individual?  Where do we report this? 

Expert Alumni
Jul 14, 2020 9:21:28 AM

If you are a self-employed person with a "single member LLC", the IRS treats you as a "disregarded entity" unless you elect to be treated as something else.  In other words, the IRS approach is "you are treated for tax purposes just like any other self-employed person".

 

Self-employed persons don't send themselves a W-2.  Instead, you just report your income and expenses on your tax return (Schedule C) and pay income tax and self-employment tax (Social Security and Medicare) on the "net income".

 

If you are making money in your self-employed business, you should be making estimated tax payments throughout the year, to avoid penalties and a big tax due at filing time.  In other words, the income tax and self-employment tax is due "as the money is earned".  What you pay in estimated taxes during the year gets subtracted from your total tax, basically like withholding on a W-2.