Roth Ira Contribution

Turbo Tax is saying in the Step-by-Step "you can contribute to your Roth Ira" but when I put in the amount of the contribution it reduces my refund by 6% of the contribution.  This means there is a penalty.  Shouldn't Turbo Tax be saying, "no, you can not contribute to your Roth Ira" this year?! So confusing.