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Hi, dmertz’s interpretation is correct, and we are experiencing the same issue described in the original post. TurboTax 2025 Deluxe does not allow any deductible IRA contribution for the non-working spouse when the working spouse is covered by a workplace retirement plan, even though our MAGI is well below $246,000 for married filing jointly.   It appears that the software is incorrectly treating both spouses as covered by a workplace retirement plan and therefore applying the lower MAGI phase-out range of $126,000–$146,000 for married filing jointly.   How does TurboTax plan to address this software issue, and what should we do in the meantime? Any guidance from TurboTax would be greatly appreciated. Thank you.

To access your current or prior year online tax returns sign onto the TurboTax website with the User ID you used to create the account - https://myturbotax.intuit.com/ Scroll down to the bottom of the screen and on the section Your tax returns & documents.  Click on the Year and Click on Download/print return (PDF)   If you used the desktop CD/Download editions installed on your computer, the only copy of your tax data file and any PDF's will be on the computer where the return was created.  TurboTax does not store online any returns completed using the desktop editions.   Go to this IRS website for free transcripts of a federal tax return - https://www.irs.gov/individuals/get-transcript   For a fee of $30 you can get a complete federal tax return from the IRS by completing Form 4506 - http://www.irs.gov/pub/irs-pdf/f4506.pdf

@wjbuceyYou can actually edit the Est Tax Options form. Just right click on the field you want to change and select the Override option. Once you do this the value you changed will appear in red with its box filled with a yellow background. If you want to change it back just right click on it again and select Cancel Override.

Yes, you can recharacterize the Roth contribution to a Traditional IRA by asking the custodian to do a trustee-to-trustee transfer, moving the Roth contribution plus any earnings to a Traditional IRA before April 15, 2026. Then also before that date, you can do a back-door Roth conversion.   Please read this TurboTax Help article on the recharacterization   Please also read this TurboTax Help article on the back-door Roth conversion.      

2PM update 2/25/26  I did not close the TurboTax file before lunch.  Came back after a short nap and the transmit button screen was still up.  Rather than close I tried again ( I just love rejection and error messages).  This time it transmitted.  I don't know if it was lunch, the nap, all the posts about the problem, or they finally fixed the problem, but it worked.   😁

2PM update 2/25/26  I did not close the TurboTax file before lunch.  Came back after a short nap and the transmit button screen was still up.  Rather than close I tried again ( I just love rejection and error messages).  This time it transmitted.  I don't know if it was lunch, the nap, all the posts about the problem, or they finally fixed the problem, but it worked.   😀

You have to wait until the forms are finalized which should be on the next update.   Make sure your software is updated if you are using the desktop product.     You can check this link to access the Forms Availability Tool to see if and when forms are available.   The estimated tax vouchers say they will be finalized today, but the updates are usually done in the evenings, so the forms may not show finalized yet.       

I see, yes I treated her as a resident.   So my options are 1) amend my 2024 return to HOH and ignore all her income  2) amend my 2024 return to include her foreign income/credits ?  Is that correct?  My 2024 return was done with a CPA.  Can I use TurboTax to do the amendment or I have to go back to the same CPA?  

Avez-vous un Relevé 18 ou non? Vous devez entrer les mêmes informations de votre T5008 dans un RL-18. Les deux feuillets sont identiques et ces revenus doivent être déclarés autant au fédéral qu'au provincial.    Merci de choisir TurboImpôt