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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.

What is the code in box 7 of the 1099-R?   Normally you should enter the 1099-R from the IRA as is.  Turbotax will say something like, "this distribution is taxable. Let's ask about some situations that might reduce your tax."  The next screen should have options like rollover and conversion.  

I have been receiving 1099Q’s for distributions for education expenses for over a decade and they have NEVER had an amount for box 2 and 3. In the fall I had to roll one over because my son was turning 30. I researched with Vanguard for hours, and the final answer is they don’t keep track of basis or earnings. All my funds (4 kids) basis’ are calculated on our tax return and forwarded to the next year’s return. The calculation is taken from publication 970 and factors in expenses + taxable amount. There is no way the financial institution would have access to your basis without you annually notifying them. That is why my 1099Q’s box 2 and 3 have always been blank. After rolling over ESA, I had to write a letter to give them my basis from my taxes. Turbo Tax needs to remove the mandatory input for boxes 2 & 3 because I can’t proceed without inputting. I thought I could probably figure out since I’ve been doing my taxes for years, but that’s why I buy Turbo Tax, so they can do the calculations. I’m a little concerned to put in an amount that isn’t on my 1099Q.  

Don't worry, this is correct in both calculation and method. Since your calculation result (35,145) uses the 24% tax rate, and the TurboTax Line 22 result (35,158) are so close, I assumed that they were off by 1 bracket, and that math works out: (206,045 x 0.22) - 10,172 = 35,157.9 (rounded for tax reporting), and for purposes of the Qualified Dividends and Capital Gain Tax Worksheet, that's the rate to use (based on the numbers you've provided).   While the first column in the Tax Computation Worksheet is labeled "Taxable income. If Line 15 is--" which refers to the amounts on Form 1040, you don't pull the 1040 Line 15 amount over. Pub 17 states: Note: If you’re required to use this worksheet to figure the tax on an amount from another form or worksheet, such as the Qualified Dividends and Capital Gain Tax Worksheet, the Schedule D Tax Worksheet, Schedule J, Form 8615, or the Foreign Earned Income Tax Worksheet, enter the amount from that form or worksheet in column (a) of the row that applies to the amount you’re looking up.   Since the amount you're looking up is "At least $100,000 but not over $206,700" (206,045), then you'd use the first row, at a rate of 22%, to figure the tax.   Good work reviewing and double-checking your tax forms before filing! 

The TIN (taxpayer identification number) for a business will always be 9 digits with a dash between 2 and 3. XX-XXXXXXX.  If you only enter the numbers, turbotax will automatically put the dash in the right place.  If the 1099-R has the dash in a different spot, it is wrong and you should just enter the numbers.   You might be looking at an account number, instead of the TIN.  The account number can be any format the bank likes, and entering it is optional.  If you want to include the account number and Turbotax doesn't like dashes, just enter the numbers.