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Dear Sirs, I have an issue about IRA contribution.  Your software said during the period 1/1/26 – 4/15/26, if I contributed 7000 for 2025 to a non-deductible IRA account and waited for 1 week then converted it to a Roth IRA.   According to my broker (Charles Schwab), it restricted the money for 1 week to allow me making converting.  Your software said it is a recharacterization and suggested me move money back to a traditional IRA.  Otherwise, it will cause 6% penalty every year. And my search said once you convert a non-deductible traditional IRA to a Roth IRA, you cannot move it back to a traditional IRA. Please modify your 2026 software.

No, that is not true. The problem is, BY DEFAULT, Apply Overpayment to Next Year option is NOT available on 'A few things before we wrap up your state taxes' page and under Other Situations like you say. I do not have a vision problem, thank you.   After struggling for a few hours, and comparing this year's program with the last year's program, I noticed that there was "Estimated Tax" worksheet in the last years program where you could manually edit the value. So I went back to this years program and I clicked through "Estimated Tax" section without filling out anything to the end.  Only then, you will be brought back to 'A few things before' page again, and all of sudden 'Apply Overpayment to Next Year' button showed up. I've been using Turbotax for 25 years, but this was not how it had been working, and in Federal section, that is not how it works now (you don't have to go through Estimated Tax section to bring up the option). There is no explanation anywhere in the program, I just found out by trial and error wasting hours of my time.