I am trying to make a non-deductible contribution for a backdoor roth IRA.
The situation is like this.
My husband and I got married in 2024.
Before we got married, I contributed directly to a ROTH IRA because my income was lower than the limit.
My husband did the backdoor conversion because of his higher income and he got his 1099-R from his brokerage for 2024.
Our combined income for 2024 exceeds the limit for a direct roth contribution.
After getting married in 2024, I forgot to do a conversion out of Roth to a traditional and then back into Roth.
I called my brokerage in 2025 and was able to move my 2024 roth into a traditional IRA back into ROTH again through a conversion.
Does my brokerage need to provide a 1099-R?
Also when I try to enter the non-deductible contribution in turbotax desktop, it doesn't ask me the question for Did you change your mind in number 9 of step 1.
What do I do??
Step 1: Enter the Non-Deductible Contribution to a Traditional IRA
- Sign in to your TurboTax account.
- Open or continue to your return if it’s not already open.
- Select the Federal Taxes tab (this is Personal Info in TurboTax Home & Business), then Deductions & Credits.
- Select I'll choose what I work on.
- On the list of sections, locate Retirement & Investments.
- Then select Start or Update next to Traditional & Roth IRA Contributions.
- Check the box for Traditional IRA and Continue.
- Answer Yes to Did you contribute to a traditional IRA?
- Answer No to Is This a Repayment of a Retirement Distribution?
- On the Tell Us How Much You Contributed screen, enter the amount contributed and Continue.
- Answer No on the screen Did You Change Your Mind?, then answer the questions on the following screens.
- When you reach the Choose Not to Deduct IRA Contributions screen, select Yes, make part of my IRA contribution nondeductible, enter the amount you contributed, then select Continue.
- Note: If none of your contribution can be deducted, you will not see the option to make part of it nondeductible. Instead, you will see the message Income Too High To Deduct an IRA Contribution, and the full amount of your contribution will automatically be nondeductible.
