JFW3
Level 3

Education

It is indeed frustrating when TurboTax takes a "lazy" programming alternative for the 529-to-Roth conversion (someday, AI is going to put them out of business).  I did want to mention that it's been my experience that TT treats an IRA contribution when the contributor makes too much money correctly, when input as a backdoor Roth conversion. It goes first into a traditional IRA, WITH A BASIS, because you make too much to take a deduction.  The traditional IRA is then converted to a Roth IRA, and since it has a basis, this conversion is not taxed.  You need to have no other IRAs, or you run into the prorata rule.  You don't get a tax break on the contribution to the traditional IRA, but don't double-up on taxes for the conversion to a Roth account.  There are a couple of posts that provide details on exactly how to get it into TT, so it all works out.