@RNTAX2025 wrote:
In this case, do I just input the Gross Distribution amount for the Roth IRA excess amount and for selection 2a, I leave blank and 2b, I put taxable amount not determined?
For either IRA, the total distribution is box 1, and the taxable amount (earnings) goes in box 2a.
If the Roth IRA had no return of earnings, then box 2a would have a zero. However, is that a reasonable answer or do you need to contact the Roth IRA custodian and speak to someone else? If you only had the money in there a few days and it was held in a cash account by default, then zero earnings is reasonable. It would also be correct if your investments lost money between the date of the contribution and the date of the withdrawal. But if the investments gained money, there must be part of the gain attributed to the contribution.
