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If you have not paid for the online edition you are using, have not filed your tax return or registered the Free edition, then you can clear your return and start over with a lower priced edition. Click on Switch Products on the lower left side of the program screen while working on the 2025 online tax return. Click on Clear & Start Over

HOW CAN I DOWNGRADE TO A LOWER VERSION https://ttlc.intuit.com/turbotax-support/en-us/help-article/change-service-level/downgrade-lower-priced-version-turbotax-online/L2IDaMvkt_US_en_US?uid=m6ilzady     WHY DO I HAVE TO PAY?  I WANT THE FREE EDITION   The information that you can enter in Free Edition is pretty limited now.  Thanks to the tax laws that began for 2018 returns, there are no more simple Form 1040EZ or 1040A's.  Everything goes on a Form 1040 that has three extra "schedules" with it, and if you need any of those schedules, you are not able to use the Free Edition.  Using the standard deduction instead of itemizing does NOT mean you will not need any of those schedules.   If you started in the Free Edition and entered any data that required any extra forms or schedules, you have to upgrade to a paid version and if you are watching the screens carefully you are alerted to the upgrade.       TurboTax Online: Important Details about Filing Simple Form 1040 Returns If you have a simple Form 1040 return only (no forms or schedules except as needed to claim the Earned Income Tax Credit, Child Tax Credit or student loan interest), you can file for free yourself with TurboTax Free Edition, or you can file with TurboTax Live Assisted Basic at the listed price. Roughly 37% of taxpayers are eligible. Examples of situations included in a simple Form 1040 return (assuming no added tax complexity): W-2 income Interest, dividends or original issue discounts (1099-INT/1099-DIV/1099-OID) that don’t require filing a Schedule B IRS standard deduction Earned Income Tax Credit (EITC) Child Tax Credit (CTC) Student loan interest deduction Taxable qualified retirement plan distributions   Examples of situations not included in a simple Form 1040 return: Itemized deductions claimed on Schedule A, like charitable contributions, medical expenses, mortgage interest and state and local tax deductions Unemployment income reported on a 1099-G Business or 1099-NEC income (often reported by those who are self-employed, gig workers or freelancers) Stock sales (including crypto investments) Income from rental property or property sales Credits, deductions and income reported on other forms or schedules        How can I see my TurboTax  fees?  https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/review-fees-turbotax-online/L1XnIzgzg_US_en_US?uid=m682vq7k   If your TurboTax fees are higher than expected, you can reduce them by removing add-ons     (BEFORE you e-file) :   Remove Premium Services Remove MAX Defend & Restore Remove a state Remove PLUS Help & Support Remove Pay With Your Refund     Or—-Use this IRS site for other ways to file for free.  There are 8  free software versions available from the IRS Free File site   https://apps.irs.gov/app/freeFile/  

Thank you.  I actually closed the small IRA in 2026 figuring I'd just use up the full cost basis when I file next year but I guess I'll have some small cost basis pretty much forever.  I'm glad that TT remembers it 🙂 Brian

See this for review your fees - https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/review-fees-turbotax-online/L1XnIzgzg_US_en_US   See this for reducing the fees - https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/reduce-fees/L3Kp3yEYs_US_en_US

Yes---there is a question in MY INFO under "uncommon situations" where you can indicate that you are a full-time student.     It is not clear whether you can be claimed as someone (parent?) 's dependent--so that needs to be clarified.   If someone else CAN claim you, you must say on your own tax return that you can be claimed as someone else's dependent.   Even if you can be claimed as a dependent by someone you can file your own tax return to seek a refund of tax that was withheld from your paychecks.     The person who can claim you is the one who gets the education credits.

I have a Program Updated dated 1/22/2025 and still the 5695 Step by Step won't work. The form is there but the Step by Step doesn't work. What is the date of the Update for Windows Turbotax H&B I should be looking for?  

I backed out all information about recharacterization and double checked that no roth contributions were indicated.  I'm still getting the excess contribution notification.      I suspect that there is a bug in turbotax software.  The 1099-R functionality was delayed and clearly they don't have it quite right.  The help articles also no longer match the questions you get asked.  I'd hate to move off of turbotax as I've used it for many years, but this might be the last straw.

@fanfare Unfortunately, the only way I can get it to back it out is to 'appeal the penalty' on the subsequent pages. If I state the RMD as 0 or the Gross Distribution amount, it still adds on a $190 (25%) penalty. So I reverted to the actual distribution and IRS table numbers for 2025. The only way I can get it to back the penalty out of the Federal Tax Due is to answer 'Yes' to the 'Do You Want to Request a Waiver to Reduce the Penalty' and explain that the RMD is $660 according to IRS Table II. I even deleted the IRA from TurboTax and then saved the file and re-entered it and noticed that the problem seems to be that TurboTax is using the reported Gross Distribution as the RMD, since on the page 'How much of your RMD without a corrective distribution as you requesting a waiver?' in the appeal process, it then states 'Tell us how much of the $759 in RMD you want the IRS to waive to reduce your penalty.' I double checked my IRA entries in TurboTax and I had correctly stated the Gross Distribution as $759 and the RMD as $659, so this appears to be an internal TurboTax Deluxe error whereby it is using the Gross Distribution as the RMD amount and not the actual RMD amount that was entered by the user. To get it to back out the penalty altogether, you have to look at the RMD amount ($759) stated on this appeal page and then enter that same amount in the 'RMD Amount you want the IRS to waive tax on' box on the page. It seems like it will need an update from Intuit to correct this problem however I have no plans to pay to upgrade my TurboTax license just so I can tell them that their product isn't working properly. They can figure that out for themselves.