Retirement tax questions

beckynepal,

 

TurboTax may be correct here.  While no one in this forum can see your tax return, a very good thing,  the test for Roth contributions relies on a modified AGI rather than the basic federal AGI.  Use worksheet 2 on page 39 of IRS Publication 590A to calculate that figure for your own situation.  Let us know if that resulted in the zero you are seeing.