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@Jiawei32  So you want to recharacterize $7000 from a Roth IRA (currently at Robinhood) to a traditional IRA (also at Robinhood?)  And Robin can't provide the NIA since since the contribution was made when you were at another institution.   It looks like the worksheet would be: Line 1 $7000 Line 2 $15,000 Line 3 $26,000 Line 4 $11,000 Line 5 0.423 Line 6 $2961 Line 7 $9961   This calculation probably overstates the actual earnings attributed to the contribution from 2024, due to the inclusion of the $7000 from 2025, but it is the calculation you are required to use. (The instructions for line 3 say to include any other contributions made while the contribution to be recharcterized was in the account.)   @dmertz  any additional comments?

If you want to check the debit date you specified, look on the filing instructions for your return.  It will tell you the debit date the IRS or State will deduct the payment.  If you did not print them out you can view them using the following steps:    TurboTax Online  In TurboTax Online, sign into your account. You should be on your Tax Home page. Scroll down to Your tax returns & documents. Select 2024, and then select Add a State (you're not actually adding a state, this just gets you into the right menu). Once you're in your return, you can navigate around as usual. Click Tax Tools (in the black bar on the left of your screen) and then click select Print Center. Click Print, save or preview this year's return TurboTax CD/Download  Go into Forms Mode by clicking on the Forms icon in the top right of the blue bar.   In the Forms in My Return list on the left, click Filing Inst.  [It's usually toward the bottom of the list.]  The form will appear on the right side of the screen. You can view the form on the screen or you can print a copy by clicking the Print box at the bottom of the screen. To return to the interview, click on the Step-By-Step icon in the top right of the blue bar.

TurboTax has a special phone number for help with tax letters. Click on the blue button that says "Get help from TurboTax support" after you click here.   Just in case, How to submit documentation for accuracy guarantee claims.

We cannot see your screen, your return or your account.  Have you entered ALL of your 2024 information?  All your income, etc.?    There are a lot of variables that affect your refund or tax due including how much you earned, how much tax you had withheld, your filing status, the number of dependents you claim, your deductions and credits, etc.  You may have lost Earned Income Credit or the Child Tax Credit— did a child turn 17?  If you received the EIC last year, remember that changes in the amount you earn have a big effect on the amount of EIC you can get. (Sometimes earning more money means less EIC)  Are you 65 or older ?  If so, your standard deduction is higher. Everyone has a higher standard deduction now so it is harder to use itemized deductions.   And of course, always check your own data entries, looking for errors such as misplaced decimals or extra zeros.   https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refund-go-compared-last-year/L97JmhUbi_US_en_US?uid=ld9ijm41   Print out 2023  and 2024  and compare them side by side to see what is different.    https://turbotax.intuit.com/tax-tips/tax-payments/video-why-would-i-owe-federal-taxes/L3VXudPiN    

I think you're looking at this wrong.  Your husband received $185 in income for a sale.  That still needs to be reported as income and will be taxed at the self-employment rate after expenses are taken out.  THEN you can take a deduction for contributing to your HSA.  That deduction will be less because of the 6% penalty.     Then, on your 2026 return, you will need to show that you took the $185 out and then made the full allowable contribution separately.  Even though the money technically just stayed in there.   Either way the tax savings that you are looking for just isn't there with leaving the money in.  I recommend you just pull it out.   @x9redhill 

Thanks for your reply, Robert. I didnt mention that I am no longer employed.  So specifically since this money is from only my contributions , not earnings, can I roll it back to the Roth from which I distributed it on 2/26/25. (The 60 day period ends on 4/26/25)