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Following up -- In case there is any confusion, Recharacterization of contributions is not the same as a Conversion, Rollover, or Back-door Roth.  Recharacterization of Traditional IRA contributions that were not deductible anyway because of income limit, and were not previously deducted, does not change the tax liability at all.  Speaking with a Tax Expert on the phone or in chat is not helpful with a genuine software bug, and so I am posting here, and hoping TurboTax employees take note and get this to the developers with the diagnostic token I provided -- which I would greatly appreciate. I'm going to give this two weeks to be fixed, and if it isn't, I plan to prepare the 1040-X by hand myself without TurboTax.  I will then claim a refund under the Maximum Tax Savings Guarantee which includes a "100% accurate calculations" guarantee.

Name the state, so further help can be provided specific to that state  The default for most states is that 1/4 of the required tax payments for the year must be made each period. Withholding is assumed to occur evenly throughout the year. Estimates only count in the period when made.  Thus, with uneven payments, the annualized income installment method must be used if the state allows that method or whatever alternative they offer.   hence, it's possible to owe a penalty even when getting a refund.   

It’s probably too late now but here is how it’s suppose to work for the Online version.   In case anyone else finds this thread.   Or it may help you figure it out.  What did you get charged for?   Was it for a state return? How to use the Online License Code.  It is for federal only. State is additional. https://ttlc.intuit.com/turbotax-support/en-us/help-article/register-activate-services/como-empiezo-...  

Per @dmertz, the self-employment health insurance deduction should not affect your IRA contribution, as it does not affect earned income. However, if you want to try it you would follow these instructions:   Since you entered a Form 1095-A, TurboTax will ask you if the insurance is associated with self-employment income. If you did not pay the insurance premiums from your self-employment income, you can answer "no" to that question and then your insurance premiums will not be deducted for the self-employed health insurance deduction. However, that may affect your insurance premium tax credit if you have one. You will see a screen that says Self Employed with Marketplace Plan? in the Medical section and then Affordable Care Act (1095-A). The question is are you self-employed and purchased a Marketplace plan. Answer "no" to that question.  

Once you have upgraded to TurboTax Assist & Review, unfortunately, you can't downgrade. You will need to start your return over again, making sure you don't upgrade to TurboTax Assist & Review Self-Employed. TurboTax Self-Employed is $60.   Thank you for choosing TurboTax.

@1095shared , absent a letter from the IRS, the general rule is NOT to amend a return till the processing of the originally filed return has been fully processed.  Thus if you "accepted" original return is still being processed and refund no issued, please  wait till that step is completed.   Is there more  one of us can do for you ?

I'm also having this problem. In 2024, the housing credit showed up just fine. I recorded a negative AGI of ($10,722) and that pulled through onto the state return as the "federal income" number.   For 2025, I'm also recording a negative AGI of ($21,574) based on netting the standard deduction, less income, i.e., the Standard Deduction is higher than the Total Income.  The taxpayer qualifies for the CO Housing Credit, but it is not showing on the list of CO  credits and taxes. Turbotax should not be masking this option.   The link below about the Social Security Income Exclusion is no longer working, so I assume the problem has been fixed and that is not the issue. 

Veuillez rejoindre le service à la clientèle pour vous aider avec le partage d'écran  ou escalader à un niveau supérieur pour résolution, au besoin.    Composez le 1-888-829-8608. Faites le 8 pour le service en français. Ensuite 0 et encore 0. Lorsqu'on vous demande si vous voulez un texto ou un courriel, dites 'non'. Le robot vous demande ensuite votre prénom, ensuite votre nom de famille, et vous serez transféré à un agent:   Pendant la période des impôts de l’ouverture du service IMPÔTNET de l’ARC le 23 février 2026 au 30 avril 2026 nous sommes disponibles 7 jours sur 7 durant les heures suivantes :   De 9 h à minuit  pour le soutien en anglais De 9 h à 21 h pour le soutien en français   Merci de choisir TurboImpôt.