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Interesting. It would be nice for TurboTax to potentially ask about the grace period specifically. In 2024, it just asks how much was paid "in 2024". TurboTax says not to include "expenses incurred in 2023, 2025 expenses you prepaid in 2024, or expenses you paid in 2025, even if they were for 2024". That last line is very ambiguous. I could be if you paid for the last week of December in January, do not include it. Or if you paid for expenses in 2025 during the grace period for 2024, do not include it.   2025 turbotax explicitly asked about carryover from 2024 and says this includes the amount used during the grace period. 

Certainly. The form you will use to report this QCD, which is part of your RMD, is/are your Form 1099-R(s).    Your Form 1099-R(s) report all of the money that you withdrew from your IRA last year.    And, although they may not indicate the exact amount that went toward your QCD, you can locate your specific checking account's statements to find the total amount you contributed so that you'll have it when inputting your Form 1099-R within TurboTax.   On your Form 1099-R, look for the Code used in Box 7. It might have a "Y" Code. If this code was used, it tells the IRS that the money was a QCD. However, if you see Code 7, which means regular distribution, you will still be able to indicate within TurboTax how much of your distribution went toward your QCD.   Here is how to report your QCD and RMD within TurboTax using your Form 1099-R (and checking account statement):   Go to Wages & Income on the left panel within your TurboTax account Click on the +Add more income box Scroll down to Retirement Plans and Social Security and click the down arrow to expand Click Start to the right of IRA, 401(k), Pension Plan Withdrawals (1099-R) Click on +Add a 1099-R (Here, you may import or type in by selecting the Change how I enter my form box On the next screen, you can select Type it in myself, or other options, then Continue Select the box on the top left for Financial institution or other provider (1099-R), then Continue Enter the provider's information, then Continue Enter the details from your Form 1099-R, checking for which Distribution Code was used in Box 7 (or review if imported) Next, check the, I have more than one value in Box 7 box and select Y from the drop down menu (to trigger the QCD questions) Ensure the IRA/SIMPLE/SEP box is checked, then Continue Continue answering the questions, pressing Continue to advance When you reach, Do any of these situations apply to you?, check the box that reads, I transferred all or part of this money directly to charity, Continue Next, write in the total amount of your RMD (Don't include your donation amount yet) Next, check the, Some of this distribution applied to the December 31, 2025 RMD and enter your RMD again On the next screen, How much did your provider transfer directly to charity?, enter the amount of your total distribution that was your QCD, Continue Continue answering questions. When you reach, Let's go over any required...(RMD), click Continue (not the pencil) 

Hi Roger,   Thank you for your reply. The two W-2s came from two employers. The one with empty box 1 was from my employer of 2024. They paid me the salary of Dec 2024 in Jan 2025 -- I assume that's why I have a W-2 from them. After filling $1 in the box 1 of that W-2, Turbotax allowed me to e-file my tax return.   Thanks, Junze

Thanks for catching my oversight. I had built a spreadsheet so I could try to keep tabs on where I stood throughout the year and before TT releases. I had not caught that my QD/CG line 5 income had dropped below the 22%/24% threshold in recent updates to my tax situation. $13 more in taxes it is!

@dgentert912 There is no free state tax return e-filing when using the TurboTax desktop editions.  You receive one free state program download. The state tax return e-file charge is currently $25.  This charge can be avoided by printing and mailing the state tax return.

Try these steps to resolve a captcha issue:   1. Disconnect from any VPN connections   2. Clear your cache    3. Close your browser and allow cookies   See this TurboTax article for instructions on how to fix captcha issues.

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 à la date limite de production normale (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 TurboÎmpôt.

OK, let's look at unlikely, but possible possibilities.   1. Delete the two 1099-SA forms (or all of them if you have more than two. There has been a perhaps related issue this year that when you try to add the second 1099-SA, it just edits the first 1099-SA. While that is not your issue on its face, long ago in programming, I learned that you fix the problem that you know and sometimes by magic the bigger problems go away.   2. While we are on the subject of the 1099-SA, how did you enter them? Did you auto-import them or did you enter them manually? I enter them manually so much that I forget that some people do it by import. The auto-import process fails occasionally (probably because the incoming form was created outside of TurboTax), so it's always a good thing to redo it by hand.   3. How did you tell TurboTax that you had Medicare? I am stumped on how TurboTax saw that you had no HDHP coverage (except perhaps with conflicting Medicare), yet did not decide that you had excess contributions.   3.A On the screen "Was Blank covered by a High Deductible Health Plan (HDHP) in 2025?", did you answer Yes or No? The next screen changes depending on your answer.   3.B On the screen, "Do any of these situations apply to Blank?" did you check off that you had Medicare?   3.C On the screen, "What type of HDHP coverage did Blank have during 2025?" (if you saw it), how did you answer it? If you had Medicare all year, you should not see this screen, because it's going to ask you questions assuming that for at least one month, you had HDHP coverage. If so, this is bad if you had Medicare all year.   3.D On the screen "What type of High Deductible Health Plan did Blank have on December 1, 2024?" - this is good, because TurboTax has moved to the next subphase, which is to figure out if you owe money due to "Failure to Maintain HDHP Coverage". That is, the last-month rule gives you the benefit of allowing you to use the full annual HSA contribution limit for your class of coverage (Self or Family) if you have HDHP coverage on December 1st of the tax year. The catch is that you have to have HDHP coverage for the entire subsequent year, hence, the "failure to maintain". This question shows that TurboTax has moved on to the last-month rule processing, since you did not have HDHP coverage in the current tax year (2025). By this point, TurboTax knows whether or not you have excess contributions even if it hasn't told you yet.   News! News!   I can get the $1,020 to not show up on Schedule 1 (1040), if I change your input.   In the 1099-SA interview for the second form ($4,372.93), when TurboTax asked me "Did Blank have excess contributions deducted from their wages?", I answered No. Why, because I was pretending that the $1,020 did not come through the employer (W-2), but directly from the taxpayer. It is odd that this question presumes that you have an excess, when there is not enough data yet to show this one way or the other.   Then I changed the W-2 to remove the code W amount in box 12, pretending that the $1,020 did not come through the employer. Then I entered the $1,020 as a "personal" contribution.   As I continued, TurboTax never told me that there were excess contributions. This is a radical change from previous years. In this case, since you had no HDHP coverage, it was obvious that the $1,020 was in excess, so it did not bother to make then same announcement that it had made in previous years.   Now, when I get to the HSA Summary, I see zero dollars for tax-free employer contributions, zero dollars for excess employer contributions withdrawn, and $61 for taxable earnings on excess contributions. In addition, I see only $61 on line 8f on Schedule 1 (1040).   This is great...except this is not what you entered(!).   But I now see that TurboTax is not working the same way that it has for years. I guess this should as no surprise, since they changed the dialogue in the interview a lot. For example, the question "Did Blank have excess contributions deducted from their wages?" is brand-new. I question whether or not it should be asked in the 1099-SA interview, since on the first pass, TurboTax doesn't know if you have an excess - it can know only if you go back and re-enter the 1099-SA.  

Since 2024 was the last year for filing Form 5405 for the FIrst-Time Homebuyer Credit repayment, there isn't any option to do that on a 2025 tax return.  You could try filing an amended return for 2024 to make the final credit repayment.   There used to be a First Time Homebuyer lookup tool from the IRS, but that has been taken down since 2024 was the last year to repay the credit.   The information about how much you owe on the credit should be on your IRS Account.   You may also be able to use IRS Direct Pay to pay off the balance - select "Repayment of First Time Homebuyer Credit" as the reason for payment.   You can try calling the IRS at 800-829-1040 for information on repayment.  Phone wait times are often shortest in the early morning around 7 AM.   You can also set an appointment at a Local IRS Office to get assistance.