Retirement tax questions


The proper way to file Form 8606 is attached to Form 1040-X.
Form 8606 can be mailed by itself only when you are otherwise not required to file a tax return.


Do you have the correct taxable amount on Form 1040 Line 4b and did not take a deduction? (Schedule 1 Line 20)?
If that is all true then only Form 8606 has to be attached.
After you e-File,
get Form 1040-X from IRS website and mail it in with your 2023 Form 8606, which you can also get in fillable PDF.
Note: when you are not changing any dollar amounts on your amending 1040-X, you can leave all the lines 1-23 EMPTY.

Part II explanation: "didn't include Form 8606 with e-File".
You will have to mail it so this does not use up your 1040-X e-File.
Done this way, you sign 1040-X, not 8606.

Do not include your old 1040 nor your revised 1040 because they are identical.

 

Note: some have reported success e-Filing a 2023 1040-X now in 2025.

Others have reported difficulty getting amendments via TurboTax to work.