Retirement tax questions

You do not need to pay the 6% penalty on your 2024 return because you removed the 2023 excess by December 31, 2024. You only need to pay the 6% penalty on your 2023 return. If you didn't then pleases see How do I amend my federal tax return for a prior year?

To confirm you took a regular distribution without earnings for the 2023 excess since it was after the extended due date? If yes, you should have a 2024 Form 1099-R with code J. When you enter this into TurboTax in your 2024 return then this will resolve the 2023 excess.

To confirm for the 2024 excess you requested the return of excess contribution plus earning in Dec 2024 and received a 2024 Form 1099-R with code 8J?

1. Click on "Search" on the top and type “1099-R” 
2. Click on “Jump to 1099-R” and enter all your 1099-Rs
3. Click "Continue" on the "Review your 1099-R info" screen
4. Answer all the questions and make sure you enter the net contributions prior to 2024 on the "Enter Prior Year Roth IRA Contributions" screen (include the 2023 excess contribution here)
5. On the "Do you have any Excess Roth Contributions" answer "Yes"
6. On the "Enter Excess Contributions" screen enter the total excess contribution from 2023.
7. On the "Did you use your IRA to pay for any of these expenses?" screen and enter the amount of earnings from box 2a under "Corrective distributions made before the due date of the return"