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To access your current or prior year online tax returns sign onto the TurboTax website with the User ID you used to create the account - https://myturbotax.intuit.com/ Scroll down to the bottom of the screen and on the section Your tax returns & documents.  Click on the Year and Click on Download/print return (PDF) Or - When you sign onto your online account and land on the Tax Home web page, scroll down and click on Add a state.  This will take you back to the 2025 online tax return. Click on Tax Tools on the left side of the online program screen.  Then click on Print Center.  Then click on Print, save or preview this year's return.  Choose the option Include government and TurboTax worksheets   If you used the desktop CD/Download editions installed on your computer, the only copy of your tax data file and any PDF's will be on the computer where the return was created.  TurboTax does not store online any returns completed using the desktop editions.

A couple reasons could be saying you need to upgrade…… You might be seeing this because of form 8959.  That goes to Schedule 2.   The amount of Medicare taxes withheld in W2 box 6 is not exactly 1.45% of the Medicare wages in box 5, due to rounding. I read a post that said to try leaving the cents off of the Medicare tax on your W2 box 6. Box 6 has to be exactly 1.45% of box 5 or less. If it is saying you need Schedule 3 and can't use the Free Edition it might be giving you the Retirement Savings Credit. You can say you are a student to decline the credit. You must answer Yes when asked in the Retirement Savings Contributions Credit section if your were a full-time student. The answer to this same question asked in the personal-information section is not the answer that is used.

The OBBBA was passed through a process called budget reconciliation.   That reconciliation process specifically prohibits any changes to Social Security (the Byrd Rule).   So instead, a lesser workaround was to lessen the pain a bit with a "senior bonus" called the "Enhanced Senior Deduction".  It does not equate to full Social Security tax refief for many people, but it does help lower the overall tax burden of seniors and got around the Byrd Rule. It provides some extra spending money, especially for married couples.  Hopefully, additional tax relief can be in future legislation.

Did all that, then TurboTax asked "what is your RMD for 2025"? I entered that, which was lower then the amount I sent. TurboTax then credited as tax free the RMD, not the whole amount which went directly to the charity!

Nothing about Social Security has changed. It can still be taxable. For 2025 there is a new Enhanced Deduction for Seniors of $6,000 for each spouse 65 or older if you qualify. It starts to phase out if your AGI is 75,000 (150,000 Joint). Then it is reduced by 6 cents for every dollar of income over. That is listed separately on your return and is in addition to the Standard Deduction or your Itemized Deductions and is after any Social Security taxable amount on line 6b. The deduction for seniors will be allowed for 4 years, from 2025 through 2028. It is automatic based on your age. It is not part of your Standard Deduction and not connected to getting Social Security. The new Senior Deduction (it's not a Credit) is separate and in addition to the Standard Deduction or your Itemized Deductions on 1040 line 12e. The 6,000/12,000 senior deduction will be calculated on 1040 Schedule 1-A page 2 Part V Enhanced Deduction for Seniors which goes to 1040 line 13b with any other Sch 1-A amounts. Turbo Tax automatically includes it if you qualify. If you are married you have to file a Joint return.

ADDENDUM: At the Tax Home, if TurboTax thinks you were finished, the return interview may be closed.   If that's the case, then to open it back up look for a link "Add a State."   That doesn't really add one, but will open the interview back up so you can go through the Review sections and move to the FILE tab.

What method do you want to use to file the Federal and state returns?   If at the Tax Home your state return says "Ready to mail", that means TurboTax thinks you are electing to file it by mail.  If that's indeed your filing choice, then you have to print, sign, date, and mail it yourself.  TurboTax does not mail it for you.   OR you can go back to the FILE tab and change the filing option to efile, if you wish.   If you want to efile both of them, then open your return interview and check to be sure everything is OK.  Go through the Federal review and state review sections to be sure each has no issues.   Then go the REVIEW tab and look there, too.   Then when you move to the FILE tab, you should be able to choose the filing method for each one.  If you had initially chosen "file by mail" for the state return, you can change it there to "efile" if desired.  The FILE section will also have you choose any refund option (if applicable), and ask you to pay your product fees, etc.  A later screen will ask you to verify your efiling by entering your 2024 AGI.   And a signature screen will ask you to "sign" the return by entering your birth date, today's date, and a 5-digit PIN (it will say you can use any 5 digits of your choice, except it can't be all zeros.)   As you proceed through the efile section, be sure you go all the way to the final screen and click on a big orange button "Transmit Returns Now."    After that you should get emails that your return has been transmitted, followed by later emails (up to 24-48 hours, but can be much sooner) saying if the efiled returns were accepted or rejected.    You can also check your efile status at any time by logging in and looking at the Tax Home screen.