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There is no penalty for withdrawing more than the RMD. Just enter your 1099-R and answer the follow-up questions. You only have excess accumulation if you withdraw less than the RMD or don't make any withdrawal at all. Excess accumulation does not mean that you made an excess withdrawal. You can withdraw more than the minimum anytime you want to. Excess accumulation means that you have more money in your IRA than you should because you didn't withdraw the required minimum amount.  

You will have to wait for your own incorrect return to be fully processed and then amend it to file a joint return with your spouse.   The Form 1040X you need is not yet available.   Do not attempt to change anything on your return at this time.  Wait for the return to be processed.   When you amend, you will need to start out in MY INFO and under your name, it will ask if you were married in 2025.  Say YES.   Then it will ask if you want to file together with your spouse. Say YES.   You will be prompted to enter all of your spouse's personal information like name, SSN, date of birth, etc.   Apparently your own income is already there; now you will have to enter your spouse's income.     Whenever you are entering income information there should then be a spot for you and for your spouse's income information.  WATCH for the names as you enter income on the screens.  Or when you click to add income it will prompt you to choose which spouse had the income.   When you prepare a joint return you include all the information for both spouses on the SAME tax return.  Include all of your personal information, all of your income from every source, all dependents (if any), all credits and deductions for both of you.  You get ONE refund with both names on it.  

If you filed your return with TurboTax and you included your marketplace information, the you can go into your return and print the completed Form 8962.  If you did not file your taxes with TurboTax click here for Form 8962.     About Form 8962, Premium Tax Credit

H&R is worse, I've tried H&R... they don't provide the form at all and proclaim to send it to a tax expert after finalizing.. hopefully Turbo Tax isn't lying for the 20th time and it will be eligible to file tomorrow.

You have to report the earnings on this year's return so you have to withdraw the excess contribution + any earnings.    You won't need 5329 or 8606 to report the withdraw of excess.   Enter the 1099-R that you will receive next year NOW and ignore it when you get it next year.     The 2026 1099-R you will receive next year (that you are entering now) will use:   Box 7 code P  Box 1 is the total withdrawn (excess PLUS earnings).    2a is the earnings portions only.    Choose 2026 for form year You will be prompted to enter an explanation at the end of the 1099-R interview. The earnings will show up on Line 4b and the explanation statement will show a ''Return of IRA Contribution Before the Due Date of the Tax Return''.  

@islandterri wrote: Used Microsoft 11 desktop for 2024 TurboTax on a different computer. TT brings up previous returns up thru 2023. Are you wanting to ask a question?    If so, go ahead and ask and please explain your issue.  Otherwise we have to start guessing.   Are you wanting to move a *.tax2024 data file from the other Windows computer to your current computer, and is your current computer running Windows or Mac?

In TurboTax Online Premium, within the entry of an IRS form 1099-R, at the screen Traditional IRA's, I was able to enter a value in the entry boxes What was your total basis as of December 31, 2024? and Value of your traditional, SEP, and SIMPLE IRA's on December 31, 2025.     Both values were entered on IRS form 8606 for computations.   What version of TurboTax are you using?  Where, in the tax return, are you experiencing this issue?  Please clarify.