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That WHATIF mode is great - thank you again for pointing it out (a hidden feature!).  I just noticed how handy it is to just test out a change in filing status - for example, it has a simple checkbox to try out changing MFJ to MFS.   And it is easy to test out HOH vs. Single.     But, the other part of my original comment still stands:  there is still no good way to see a summary of TOTAL TAX DUE for Fed and each state.  The top left box in dialog mode is always tax due/refund for Fed and each state (which is of course the net after w/h, applied from prior year & estimated payments).     This makes running scenarios a PITA because the steps are 1)save a duplicate ttax file (I just use Finder on my mac, duplicate the file and give it a test scenario name), 2)make changes, 3)go into Forms mode and scan down to the last page of the Fed 1040 and each state return, find the tax due number, then key it into an excel worksheet table, 4)repeat these steps for each scenario.     The WHATIF form is useful if you only are interested in the Fed 1040 and have simple changes.     I still think that Turbotax should not only highlight the tax due / refund, but should also make apparent the TOTAL TAX vs. having to search for it on the various fed/state forms.      

one more: UBS (the faulty custodian) apologized but took no other responsibility  .the person who did this ( not a financial planner) said I didnt ask to move the excess earnings. But I know that you have to move them;i took that for granted. You can't put recharacterize IRA in any way without also including the earnings is what I was taught- and I'm a complete layperson. And I didnt know about it till end of March 2025 since I didnt get those 2 1099-Rs until then. I was shocked but due date was past for 2023 distribution. ( didnt even get regular 1099-R until Feb. 28, a month late.) I just dont think they knew they were doing at all, as shown by the weird 1099 designation that have messed up my tax returns.  What is your opinion? I was told iRS cant do anything that I have to call FINRA or SEC or compliance dept? 

Click here to file an extension.  Remember an extension is just for extra time to file, not extra time to pay.  If you are going to owe anything, you will still need to pay by April 15th.    You can pay directly via the IRS website which is the recommended way or you can pay by check.  Be sure to include your SSN on your check and the tax year. 

Don't need to send another payment (risking double payment) is ideal especially if IRS would process the original e-payment on the original return. But that is the part I am not certain. I don't understand why Turbotax wants me to make another full payment in check and mail the voucher with it but the wording was if I don't send in the payment with the voucher, the amended return is not complete. Because of it, TT makes me feel the first e-payment arrangement is going to be dropped for some reasons unknown and the check payment is now important for the complete filing.   Would IRS be "smart" enough not to process the second payment if the first is already processed? If not, how to get a refund on that double payment?

You cannot go back for 16  years.    You can amend tax returns for up to three years back.   You have not mentioned whether your MIL or SIL had any income during those years.   For each of those years, there were certain amounts of income that had to be considered when determining if they could be claimed as dependents.  Did they have income --not counting any Social Security?   You only say they lived with you----did they work or receive any taxable income?   They might be "qualifying relative" dependents if they meet the criteria, and you could get the $500 credit for other dependents for claiming them--which is a non-refundable credit that lowers your tax due.     They didn't provide more than half of their own support for the year. Qualifying relative They don't have to be related to you (despite the name). They aren't claimed as a dependent by someone else. They're a U.S. citizen, resident alien, national, or a Canadian or Mexican resident. They aren’t filing a joint return with their spouse. They lived with you the entire year (exceptions apply). They made less than $5050 in 2024.   (Not counting Social Security) You provided more than half of their financial support. When you add someone as a dependent, we'll ask a series of questions to make sure you can claim them. There may be other tax benefits you can get when you claim a dependent. Related Information: What does "financially support another person" mean?   INCOME LIMITS FOR QUALIFIED RELATIVE   Each year the amount changes.  They have income less than 2024 $5,050 2023 $4,700 2022 $4,400 2021 $4,300 2020 $4,300 2019  $4,200     Wait until your original return has been fully processed before you amend, and make sure you have saved a pdf of the original return before you amend. (If you do not save it as a pdf, the amended return will overwrite the original, and the original will be lost forever)     See this TurboTax support FAQ for amending a tax return -   CURRENT YEAR https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/amend-federal-tax-return-current-year/L7eS6o1qh_US_en_US?uid=lfunevhk   https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/amend-change-correct-return-already-filed/L4VjJ9BA2_US_en_US?uid=m76mq6z2    Do not expect quick results from amending. It can take four months or more for the IRS to process an amended return.     You can watch for information here: https://www.irs.gov/Filing/Individuals/Amended-Returns-(Form-1040-X)/Wheres-My-Amended-Return-1    

Checking the out of country box gives you 2 extra months to file your return.  Since this does not apply to you, just be sure to file your return by 10/15/25, the normal six month extension date.   Please see Form 4868 Instructions.