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In this situation, the Desktop/Mac product works the same as the Online and Desktop/Windows products. As I note below, TurboTax does not handle same-year withdrawal of excess contributions - you must either get your employer to correct the W-2 (box 12 code W) or in the case of a direct, personal HSA contribution, reduce your own entry in TurboTax by the amount of the excess (actually, now that I think about it, TurboTax will do this for you automatically whether or not the withdrawal was the same year or the next year.   First, the "triggering automatic Medicare Part A retroactive to June 2024" is, in fact, not automatic. It is only for those taxpayers who sign up for premium-free Medicare Part A 6 months or more after their 65th birthday. The backdating may be 0 - 6 months depending on how many months are between the taxpayer's 65th birthdate and the date of application. Please see  Signing up for premium-free Part A later You can sign up for Part A any time after you turn 65. Your Part A coverage starts 6 months back from when you sign up or when you apply for benefits from Social Security (or the Railroad Retirement Board). Coverage can’t start earlier than the month you turned 65. So your spouse's premium-free Part A Medicare coverage may or may not have started 6 months before. Please check.   Second, unless you filed an extension for 2024 or you filed an amended return for 2024 with “Filed pursuant to section 301.9100-2” entered at the top, (each of which allow you a 6-month extension on which you have to withdraw the excess without penalty), the 2024 excess may not have been removed in a timely manner - generally the original due date, but see the previous clause). This means that you should not have gotten a 1099-SA for 2024 with a distribution code of '2', but instead a 1099-SA with a distribution code of '1'.    So, before I tell you the ramifications of this, tell me if 2024 was extended or filed pursuant to section 301.9100-2.   Third, ditto with Tax Year 2025 excess - November 2025 was too late to make the withdrawal. So was the 2025 return also extended somehow? Please let me know.   I am puzzled: you made two separate withdrawals (Sept 2025 and Nov 2025), but only one 1099-SA for the both?   Fourth, "it still flows the 2025 excess contribution ($2,429) to Schedule 1 line 8f as income". Did the employer continue to withhold payroll deductions for the HSA even after January 2025? I.e., even after the employer should have known better?   If the excess contribution were due to "employer" contributions (i.e., from the W-2, box 12, code of W), then these contributions were removed from Wages in boxes 1, 3, and 5 when the W-2 is printed. This is why the excess amount is added back automatically to line 8f to make sure that it is taxed - otherwise, it would not have been, even though it was found to be excess.   The TurboTax interviews (Online and Desktop/Windows work the same way) don't have a way to back out the excess withdrawn before the end of the year so as to avoid this line 8f entry. Remember that TurboTax is normally run after the year closes, so even if you made the withdrawal before the end of the tax year, by the time most people get to the return, the tax year has closed out.   The solution is to get the employer to recognize that they should not have made the code W contribution to the HSA. They can choose to reach into your HSA and take the money back, if they should have known that the contribution was mistaken, or they can let you have the money be refunded to you as a withdrawal of excess contributions. In either case, the employer would need to generate a corrected W-2, with the excess amount added back to Wages in boxes 1, 3, and 5 AND with the excess removed from the code W amount in box 12.   Fifth, "excess HSA contributions are not income (they’re just nondeductible and handled via Form 5329)," As I noted above, excess HSA contributions made through the employer (W-2) are indeed income and are added to line 8f on Schedule 1 (1040). Such excess HSA contributions made directly to the HSA custodian would be just removed before they would have been included on line 13 on Schedule 1 (1040).   Sixth, having read what I wrote above, please explain why "both excesses were properly withdrawn". 

Sounds like he has been fortunate for several years that the bank did not send the deposits back.   Most banks will refuse a deposit if the deposit is not in the name of the account holder.   He will have to wait for the IRS to issue a paper check and mail the check to the address on his tax return.  There will be a delay of several weeks.  Open all mail, even if it looks like junk mail.   Make sure he used the correct mailing address on his Form 1040.     Going forward----he should get his own account for direct deposits     DEPOSIT TO SOMEONE ELSE’S ACCOUNT https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/deposit-tax-refund-someone-else-account/L3pAkqG74_US_en_US?uid=m6co06vs

I am having the exact same issue as the original poster. It is DEFINITELY a serious bug in TurboTax Deluxe 2025. The problem occurs during the final REVIEW. Here is a screenshot of my refund on the analysis tab: Then I continue on to the Audit Protection tab and as you can see the Refund resets to 0. Going back doesn't help as you can see here: Once the damage is done there no fixing it. The 1040 form data is damaged during this bug. The "total tax" line 24 is changed to a bogus number that messes up the Refund calculation. I am updated to the latest TurboTax version as of today, 2/27/2026.  

I couldn't e-file my return because Turbo Tax said to include my IP-PIN.  I never received an IP-PIN.  I printed my return instead.  I called IRS and they hadn't sent me an IP-PIN.  Not everyone gets one.  I think it's just people who have had or might have security problems.  I don't know why Turbo Tax said that I must include it.  I also had an odd problem with the chat feature.  I clicked on chat and a girl named Tonya came up and wanted to share my screen.  She roamed around the start page for almost 45 minutes, but didn't have any advice.  She wanted to load some software on my computer, but I decided to stop communication with her because it was starting to sound like a scam.  I don't trust Turbo Tax anymore and I've stopped using them.  I called them, but they never called back.

You can e-file without a W-2 - but if you do have a w-2, it can't have a zero in Box 1.   So that is not the reason you can't e-file @rcvamos -  Are you seeing any messages as to why you cannot e-file?   How do I e-file my tax return?

Federal and state refunds come from completely separate entities.  There is no rule as to which one will come in first or how long it will be between their arrival in your account.   TurboTax gives you an estimated date for receiving your refund based on a 21 day average from your date of acceptance, but it can take longer.  “21 days”  is not a promise from TurboTax or the IRS.      First, check your e-file status to see if your return was accepted:  https://turbotax.intuit.com/tax-tools/efile-status-lookup/   Once your federal return has been accepted by the IRS, only the IRS has any control.  TurboTax does not receive any updates from the IRS. Your ONLY source of information about your refund now is the IRS.     You need your filing status, your Social Security number and the exact amount  (line 35a of your 2025 Form 1040) of your federal refund to track your Federal refund:    https://www.irs.gov/refunds   To track your state refund:     https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/track-state-refund/L3jgO8PGs_US_en_US?uid=lt447ebr   If you chose to have your TurboTax fees deducted from your federal refund, that will take some extra time, while the third party bank handles the refund processing     https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refunds-take-longer-others/L14YlqFrH_US_en_US?uid=lexdr7zh . https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/irs-refund-taking-longer-21-days/L2vRAJbdU_US_en_US?uid=lexe7lst         If you are getting earned income credit on line 27 or additional child tax credit on line 28 You are subject to the delay required by the PATH act.  Do not expect your refund before early March   https://ttlc.intuit.com/turbotax-support/en-us/help-article/internal-revenue-service/federal-refunds-delayed-due-path-act/L5jnQJsBi_US_en_US   Note:  “Accepted” is not the same as “approved”.  TurboTax tells you the e-file was accepted if the IRS deems that there is enough information on the return for them to take it in for processing.   Only the IRS can approve of the refund, which is a later stage of processing.  If the IRS approves your refund they will provide a date for the refund to be issued.   FROM THE IRS WHERE’S MY REFUND SITE: https://www.irs.gov/wheres-my-refund How it works Where's My Refund shows your refund status: Return Received – We received your return and are processing it. Refund Approved – We approved your refund and are preparing to issue it by the date shown. Refund Sent – We sent the refund to your bank or to you in the mail. It may take 5 days for it to show in your bank account or several weeks for your check to arrive in the mail.  

The return pdf I downloaded does not have filing instructions. The first four pages are federal payment vouchers that say "Do Not File", followed by the federal return, then the state return, and some local returns. But I do not see instructions anywhere.

If only one 1099-S was received for the sale of inherited property, each family member will report their % of the proceeds on their individual returns. Documentation is not required for each return, but you may want to keep a record of how it was divided up.   Go to the Investments section under Wages & Income and choose 'Add Investments'.  Choose 'Start/Update' at 'Stocks, Cryptocurrency, Mutual Funds Bonds, Other.'  On the next screen, choose 'Other'.  You will then enter some details about the sale, including the Proceeds and FMV of the property at date of death (use your individual %).  You'll be able to add your % of any Sales Expenses you incurred on a following screen.   @dhannabass 

Did you choose to pay your TurboTax fees by having the fees deducted from your federal refund?   Santa Barbara Tax Products Group, LLC  (SBTPG) is the bank that handles the Refund Processing Service when you choose to have your TurboTax fees deducted from your refund. This option also has an additional charge from the bank that processes the transaction.    You can contact them SBTPG, toll-free, at 1-877-908-7228 or go to their secure website www.sbtpg.com    How can I see my TurboTax  fees?    https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/review-fees-turbotax-online/L1XnIzgzg_US_en_US?uid=m682vq7k   What is Refund Processing Service?  

I’m thoroughly stumped by this situation, especially since I’ve been emailing back and forth with the Georgia Dept of Revenue who indicates that “Georgia legislation has passed the increase in the state and local tax (SALT) deduction cap to $40,000.” I asked why they hadn’t updated their website and they said they haven’t because the legislature is still in session. I’m still trying to get them to provide a bill number that substantiates  the conformity with the federal cap increase. 

Hello @ReneV4 , I was still hoping that you -- or another expert at Turbotax -- could respond to my reply from a few days ago about the fact that I was not able to fully implement your instructions, because my TT program does not go beyond step 5 in your instructions, and does not ask me any questions about the RMD.  It simply asks me to check the box to indicate it was inherited Roth IRA, and then asks for my mother's name and the year of her death.   It does not track with your descriptions of the screens that are supposed to follow that question. I am not sure how to proceed.  Thank you for any help you can provide. 

When you go through the GA return, did you go through the military retirement exclusion section?   If you entered a 1099-R on the federal return, when you go through the GA return, you will be asked about military retirement income.    You can also find the exclusion listed on the page titled Here's the income Georgia handles differently.    

Absolutely not a credible reseller.  Everything listed in the TurboTax community is true.   I just experienced it myself    Even though their website says, legitimate and authorized reseller of TurboTax, they are not    They are fraudsters basically if you load the software the first time and you activate the key code, you might be OK   if you delete and reinstall the software and try to activate again or if you try to activate it on another computer, it will block you   when I contacted TurboTax today they showed that all five licenses were used despite me only using one of them   their customer service is only a text line and they’ll continue to give you the same standard runaround for days on days on days   my question is, why isn’t TurboTax security investigating them and shutting them down.   Tubber taxes, not doing their customers any service by not shutting down the fraudulent resellers of their product    TurboTax needs to fix it as they are doing their customers and And brand a major disservice   The insult to injury is that TurboTax would not give me a new activation code unless I paid them another hundred dollars.  This is their fault that they have not shut down this site after the numerous complaints that I’ve been filed From their community.    I take full responsibility that I didn’t review the TurboTax community before I bought from them. I would’ve avoided this situation.   Do not buy from this organization ever    

Thanks - so in effect the money has to be removed, there is no pay the taxes and move on? She will be off our insurance mid-year (stupid me did not realize this HSA issue when we enrolled her, thought we were giving her a backup). Of course, we can't drop her unless it's open enrollment time.