In-plan Roth rollovers (often called "conversions") are technically "Qualified Rollover Contributions." Most DIY software, including H&R Block, triggers that Line 5c checkbox based on the Box 7 Code on your 1099-R and your subsequent answers to the "What did you do with this money?"
Try these steps to force the software to recognize the rollover:
- Check the 1099-R Code: Ensure the code in Box 7 is correct. For an in-plan Roth rollover of after-tax money, you likely have Code G (Direct rollover) or Code H (Direct rollover of Roth to Roth).
- The "What Did You Do?" Screen: After entering the 1099-R, the software will ask if you "moved the money to another shared retirement account."
- Crucial Step: You must select that you rolled over the money. If you only select "converted to Roth," some versions of the software logic treat it as a "conversion" (which is taxable) and skip the "rollover" (nontaxable) checkbox, even though an in-plan Roth rollover is technically both.
- Delete and Re-add: A common bug in the 2025 versions (seen in similar reports) is that if you imported last year's data, the "rollover" flag doesn't always reset correctly for the new 1040 layout. Delete the 1099-R entirely and manually re-enter it. This often forces the software to re-run the logic for the new Line 5c checkboxes.
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