Ohhhhh...the details are important...you never said anything about a Transfer to charity for any of it.
Remember that it has to be sent directly from the IRA to the charity..…you cannot take the $$ and then send the $$ separately (exceptions for IRA accounts that have their own checks that one can write, and the $$ come directly out of the IRA)
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I tried it with a 1099-R, $5000 box 1, $1000 as QCD and $4000 as ROTH conversion...and the software still did it right.
The 1040 showed $5000 on line 4a of the 1040, and $4000 on line 4b with QCD in the margin. Which is all correct.
But I did it for a 74-year old person in 2020....and if you were between 70.5 and 72 years old in 2020, sometimes the software has a problem doing that properly...(but if that occurs, there is a workaround....though I thought they might have fixed that...don't know)
.......IF the following doesn't work for you how old were you on your 2020 birthday?
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It all proceeds properly for me:
1) Do any of these situations apply to you?
...........check: "I transferred all or part of this money directly to charity"
2) How much was an RMD: "None of this was an RMD"
3) Amount donated: enter the $$$$$
4) Tell us if you moved the money through a rollover or conversion : I converted some or all of it to a Roth IRA
5) Did you convert all of this $$$.cc (Box 1) to a Roth IRA? : No, I converted less than $$$.cc
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Done: #3 + #5 amounts should be no greater than box 1 on the 1099-R.....and line 4b on the form 1040 should be box 1 minus the $$ transferred to charity.
(with some handwaving differences to those numbers if you ever made after-tax/nondeductible contributions to any traditional IRA in the past, then it gets messy).
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Added Info:
On my #5 step here.....when I went back thru the interview to repeat the steps I did previously a second/3rd/4th time....in my
#5 " Did you convert all of this $$$.cc (Box 1) to a Roth IRA?" ...the software wouldn't take my $$ amount converted in the second selection, unless I clicked on the top box first for : " Yes, all of this money was converted to a Roth IRA" first, and THEN clicked on: "No, I converted less than $$$$.cc " to the $$ amount that was actually converted.
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
