I was enrolled in a HDHP w/HSA in 2024 and January-November 2025. I contributed the max amount in 2024. I contributed 11/12th of the allowed amount in 2025. When I entered data in Turbo Tax Online 2025, it tells me that I contributed too much and $429 will be treated as income and I'll incur the 10% tax penalty.
How do I figure out which year, 2024 or 2025, that I made an excess contribution?
