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It is past the due date for those years including extensions. after tax due date including extensions: you distribute the excess amount being carried forward on 5329, (or offset it with currently allowed contribution) . Amended return(s) will be needed supplying that Form 5329 since there is a 6% penalty per year on accreting excess contributions . Earnings stay in the account. Consult your custodian to obtain the correct removal form for this case. ===== If you already filed you have to attach the new or changed forms to 1040-X Get forms for the years you are amending at IRS.gov 1040-X is now a forever form. Include your penalty here : Form 5329 Schedule 2 Line 8 Form 1040-X Line 10   Do not include your old 1040 nor your revised 1040 because the Form 1040-X reflects any changes there and becomes your new tax return.   @dinah14 

The IRS only retains tax returns for the past 7 years.  A 2008 tax return is no longer available.   For a fee you can get a complete copy of a W-2 from the Social Security Administration - https://faq.ssa.gov/en-us/Topic/article/KA-02501

[email address removed]    I have been using the software from above for the last few years and found it useful.  It has the OBBBA also incorporated. This year I gave the author a small gift - he beats Intuit every year.

Go the this TurboTax website for the online Deluxe edition - https://turbotax.intuit.com/personal-taxes/online/deluxe.jsp   Go to this TurboTax website for the 2025 desktop editions - https://turbotax.intuit.com/personal-taxes/cd-download/

2024 or 2025?   2024 is closed for e-file from Turbotax at this point   2025 isn't ready to e-file yet, IRS does not accept returns until late January   I wouldn't file anything, come back to it in January   when you do file I would suggest avoiding "pay with my refund" as that will send it thru a 3rd party bank for a $40 fee.

you could start a fresh thread in the community here with the specifics of your situation and see if the experts here can advise on the tax math.  there are a lot of threads about win 10 and the readiness of turbotax, so the actual tax issues get buried in here.   I don't know enough about the EV credit situation and what changed in the big bill but I would think that's an area where using 2024 software may be tricky.   If forms mode or dinktytown don't work for you then others have reported using FreeTaxUSA or switched to HR Block to do estimates but I can't vouch for either option.   if you end up having to switch unfortunately, you can request refund on TT from Intuit here https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-refunds/request-refund-turbotax-product/L834M6uyW_US_en_US

seems a lot of stuff will come in January - expect lots of updates - if you're trying to do year-end estimates either try forms mode as suggested by others, or use a simpler online calculator like this one and come back to TT when it's fully baked. https://www.dinkytown.net/java/1040-tax-calculator.html