Your recap is not accurate.
in 2021 I made a non-deductible contribution for 2020 and immediately after had it converted into our Roth IRAs
Now in 2022 I will make another contribution for 2021 - I almost always do this because our income is very hard to project and thus I utilize the extensions allowed to make the contribution after 12/31 and we are always on the line whether or not we can make a direct Roth contribution or not.
Neither of us have any traditional IRA money so our balances are always 0 after the conversion each year
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Now if I follow the instructions for a backdoor roth contribution, (add the non-deductible contribution ,which was for 2020, and then add my 1099-R) the software assumes that I am over contributing when I go to add my new 2021 contribution (even though I am not because the first contribution was for FY 2020)
If I leave out the 2020 contribution, then the software assumes the 1099-R rollover was taxable, which it should not be since it was a non-deductible contribution in the first place.
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Did I explain that better?
What am I missing?
@DanaB27
