Non Deductible IRA Contribution

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Turbo Tax is asking me about Non Deductible IRA Contributions, and I'm no sure how to answer it.

My wife had a rollover contribution back in Tax Year 2019 of $242,659.28 (Fair market value of $251,854.70) from a work 401K into a regular IRA.

We had to end up pulling $40,000 for personal reasons from that IRA in 2025 and had $12,800 Federal Tax Witheld (taxes and early withdrawl penalty)

As i'm entering that 1099-R Gross Distribution and Withheld tax, it is asking me about "non deductible IRA contributions"...and I'm not sure how to answer that.

ThomasM125Answer

Alumni - Intuit

You would likely answer that you did not make non-deductible IRA Contributions.

Non-deductible IRA contributions would be contributions to an IRA that you designated as non-deductible. Similar to a contribution to a ROTH IRA, the distributions from such an account would not be taxable. Since you rolled money into the IRA from a 401-K, it would not typically involve non-deductible contributions. The only way it would factor in is if the 401-K account was a ROTH 401-K, which is not typical.

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