Thank you so much for the reply. I have two excess returns, and that is a big help.
On the original issue, after hours of searching I did find IRS publication 590. The formula is listed there, and it does exclude the conversions. So TurboTax did calculate it correctly, and the and the previous examples I found where only considered AGI (MAGI) without considering the worksheet.
https://www.irs.gov/publications/p590a#en_US_2020_publink[phone number removed]
1. Enter your adjusted gross income from Form 1040, 1040-SR, or 1040-NR, line 11 1. _____
2. Enter any income resulting from the conversion of an IRA (other than a Roth IRA) to a Roth IRA (included on Form 1040, 1040-SR, or 1040-NR, line 4b) and a rollover from a qualified retirement plan to a Roth IRA (included on Form 1040, 1040-SR, or 1040-NR, line 5b) 2. _____
3. Subtract line 2 from line 1 3. _____
