Get your taxes done using TurboTax

You will only enter the $6,000 Roth contribution for your husband and your $6,000 Roth contribution (do not enter earnings). For your contribution, you will answer the recharacterization questions.

1. Login to your TurboTax Account 
2. Click on "Search" on the top right and type “IRA contributions”
3. Click on “Jump to IRA contributions"
4. Select “Roth IRA” for your husband and you
5. Answer “No” to “Is This a Repayment of a Retirement Distribution
6. Enter your husbands Roth contribution amount of $6,000 
7. Continue until you get to your Roth contribution
8. Answer “No” to “Is This a Repayment of a Retirement Distribution
9. Enter your Roth contribution amount of $6,000 
10. Answer “Yes” to the recharacterized question on the “Did You Change Your Mind?” screen and enter the contribution amount of $6,000 (no earnings or losses)
11. TurboTax will ask for an explanation statement where it should be stated that the original $xxx.xx plus $xxx.xx earnings (or loss) were recharacterized.
12. On the screen "Choose Not to Deduct IRA Contributions" answer "Yes" (if you are thinking about doing a backdoor Roth. If you have a retirement plan at work and are over the income limit it will be nondeductible and you only get a screen saying $0 is deductible)

To verify, when you look at Form 1040 it says $12,643 in 4a (distribution amount) and 4b (taxable amount).

For your husband's 1099-R code J and 8, what is the amount in box 1 and 2a? For your 1099-R with codes 1 and 8, what is the amount in box 1 and 2a? Only the earnings should be in box 2a.