dmertz
Level 15

Get your taxes done using TurboTax

You misunderstand.  The limitation applies to traditional-to-traditional and Roth-to-Roth IRA rollovers, not to recharacterizations or Roth conversions.

 

When you enter the traditional IRA contribution into TurboTax and indicate that you "switched" it to a Roth IRA contribution, TurboTax will prompt you to complete the required explanation statement for the recharacterization.  The resulting Roth IRA contribution will not appear elsewhere on your 2023 tax return (unless the contribution appears on Form 8880 because you qualify for a Retirement Savings Contributions Credit).