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I was hoping to see if someone at TurboTax - occasionally you get connected to someone who really knows their stuff there although usually not in the last year or two it seems - had a non-counterfactual method and might want to wait until I get my 1099s to contact them, but I will try your experiment.  Thanks and happy new year!

As long as you enter all of the income you received in 2025, the order in which you enter the amounts will not affect your tax due or refund.   Just make sure to enter everything as your tax documents become available.   ALL of your 2025 income must go on the same Form 1040.

If your income permits $960 (phaseout rule) , your nominal excess contribution is $1,832 and that  amount plus a fudge factor is the amount you state on the form and for which earnings will be calculated.   In this case you must add a compensating fudge factor to the excess because the allocable earnings are in 2025 and that will reduce the permitted amount to below $960.   Once the money is returned, you have until April 15, 2026 to top off your 2025 contribution to the new permitted amount. -- If you find this too complex, request the return of 100%, but the total earnings will reduce your permitted contribution even more.     @shugu88 

@user17680575701 wrote: I have been using It's Deductible within the desktop copy of TurboTax that I purchase each year.  ItsDeductible is (was) a separate program. You may have imported data from ItsDeductible into TurboTax but they were separate programs.

Excellent and valid question, right? 😁 I find it rather strange that this post has been viewed 769 times as of this writing yet no response! Then again this is the community, not support.   btw, I am the the author of this post and for some unknown reason my profile became Anonymous (assuming some system glitch), so I had to re-establish my account with the "same" user name. (and I don't understand why it shows the word "Saturday" at the bottom. When I go to edit I don't see anything!)

I have to agree with most of these posts. I have always been able to get reasonable estimates from the software in December and usually file within days of filing being opened.  It is now 10 Jan and the software isn't even ready for income entries beyond Social Security.  So I've been entering what I can.  Yesterday it said state tax refund section is "Available Now".  I entered that info and it doesn't carry it over and still says "Available Now" on the Deduction and Credit summary sheet.  Charitable contributions are "Available Now" but same result.  I even removed my download and reinstalled thinking it was maybe being glitchy.  No luck.  I saw the comment about "something" coming (what and when would certainly be nice to know) to handle other than cash donations but at the moment I'm looking at a number of hours vs minutes to enter that info without It's Deductible.  I'll put that one under dumbest move ever.  State income tax deduction section is "Available Now" but worthless since income can't be entered to provide the basis for the calculation so it can't calculate anything...  I've always considered Turbotax to be a great product so cannot understand how it has become such a dumpster fire this year.