State tax filing

Sorry! Glad you replied. Because you have a ROTH, if you meet the qualifications, it is tax free.

MA just doesn't know anything at all. They don't know what is earnings, basis, tax-free, etc.  MA wants to tax whatever they can. The key is in the boxes I posted above: 

Other contributions - everything ever contributed

Total distributions - everything taken out

The more contributions, the tax basis is lowered and the refund goes up. As the prior distributions go up, the refund goes down.

If you enter the full amount of box 1 in contributions, nothing is taxable.

I did $4000 box 1 and marked $3000 in contributions with nothing in distributions so Sch X shows $1,000 taxable.