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Thanks again.  I switched to the FORMS view and the number I expected shows up there.  With home prices in California and having lived in our home for 48 years, we know that the capital gains due will be HIGH.  I just don't know IF the figure for Federal Tax Due includes that sale OR if it will increase.  The summary line for Sale of Your Home does not make it look like it's finished.  It has the words in green "Available now".  Am I to expect that the estimated tax owed will switch to an even higher figure??  Maybe not until I'm further along on the return -- and a number of forms aren't ready at the government level, apparently.     Again, thank you!

see responses from Intuit experts here   "The target date for Form 1099-R is still 1/21/26.  The wrong form 3903 issue for email sign up has been identified and is in the process of being corrected.     In the meantime, you can use the 1099-R Worksheet in FORMS to fill in your pension amounts to continue tax calculations. "   https://ttlc.intuit.com/community/retirement/discussion/re-when-will-the-ira-401-k-pension-plan-withdrawals-1099-r-form-1099-r-section-be-available/01/3726956#M253890  

@dennishaymore2    You cannot amend a 2025 tax return until after 19 February, when the 1040X becomes available. ___________________ 1) If your e-file is Rejected...you do not Amend, you just edit the reason for the rejection and re-submit. 2)  IF filed and Pending....you cannot Amend. Your file is waiting for the IRS to respond and you cannot stop it. 3)  If filed and Accepted, you must wait for any refund, or pay any Balance Due on the Original filing first.   The Original cannot be stopped once it is Accepted.

@Ruthanneross    You cannot amend a 2025 tax return until after 19 February, when the 1040X becomes available. ___________________ 1) If your e-file is Rejected...you do not Amend, you just edit the reason for the rejection and re-submit. 2)  IF filed and Pending....you cannot Amend. Your file is waiting for the IRS to respond and you cannot stop it. 3)  If filed and Accepted, you must wait for any refund, or pay any Balance Due on the Original filing first.   The Original cannot be stopped once it is Accepted.

 You probably have $18,000 you are trying to offset with premiums paid since  1978. If you have been receiving 1099-INT forms, you can reduce the $8,500 by the amount already claimed in past years. Here is the break down.   You have the guaranteed cash value $9k + paid up additions $500 +div accumulations $8,500 =$18,000 total value. While the company kept $12,000 of this for the loan balance, it does not play into the next part of the math. To determine if there is a taxable gain, you will need to add all of the premiums you have paid out of pocket since inception in 1978.  If all of your premiums add up to more than $18,000, there is no taxable gain. If all of your premiums add up to less than $18,0000, you have income (ordinary) to report on your taxes. Just to make things a bit more complicated, let's discuss the $8500 in dividends. If you have already paid tax throughout the years on that income, it would not be included in the calculations. You can review your tax returns from 1978-now and see if you have been claiming 1099-INT from this policy or if it was not being reported.

Each Spouse must have at least $500 of qualifying income to get the credit. But then any schedule A deductions must be subtracted from each spouse’s income to see if you each still have $500. In addition any Federal adjustments must be subtracted. A common example is an IRA deduction. Let's say the wife had $1500 of wages and put $1200 in her traditional (deductible) IRA. She would only have $300 of net qualifying income and the couple would not get any JFC. Did you have any of the following: -medical expenses exceeding 7-1/2% of AGI -IRA deductions -student loan interest deduction -1/2 self employment tax deduction -educator expense deduction -alimony deduction -529 plan contributions -out of state military pay  -Business income deduction -any other adjustments on Ohio sch A   If so, and those items were deducted from your qualifying income,  that income may be reduced to less than $500.