In late 2024, I opened a brokerage account that generated a small amount of capital gains from mutual funds in December. Answered appropriate questions on Turbo Tax, then imported the brokerage 1099, and the Deluxe version of Turbo Tax completed the Schedule D properly. I paid my TurboTax fee for deluxe (including state return), and printed the returns. I can file manually at this time. However, I got the message from TurboTax that my return is not complete, and I must upgrade to Premium version for another $129 to handle the capital gains. Can't file electronically, and Turbo Tax will think the return was never filed if I sign and file manually. My question is if I do not upgrade this year, will Turbo tax download all my 2024 data so I can file the 2025 return next year. Not sure if I am on desktop or online, but can change next year if necessary.
