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That underpayment penalty is based on when you made your payments and when you earned your money.  The system has estimated - based on your answers - that the FTB will not charge you a penalty this year.  It is always possible that you will still get a letter from them looking for a 9$ penalty but I would let the system do it's thing and see what happens.  You almost certainly don't owe a penalty.   As far as estimates vs increased withholding - increased withholding is better than estimated payments.  The IRS views withholding as having been paid equally over every day of the year so there is never a question of timely payment.  As long as your increase in withholding covers the amount that you would have covered with estimated payments you're definitely ahead.

@user17747217286 wrote: Sorry, still does not offer an option to manually add the 1099-R To enter, edit or delete a form 1099-R - Click on Federal Taxes (Personal using Home and Business) Click on Wages and Income (Personal Income using Home and Business) Click on I'll choose what I work on (if shown) Scroll down to Retirement Plans and Social Security On IRA, 401(k), Pension Plan Withdrawals (1099-R), click the start or update button Online editions -   On the screen Did you get a 1099-R in 2025? Click on Yes On the screen Let's import your tax info Click on Change how I enter my form On the screen How would you like to upload your 1099-R? Click on Type it in myself On the screen Who gave you a 1099-R? select the type of 1099-R you received and Continue   Desktop editions -   On the screen Did you get a 1099-R in 2025? answer Yes On the screen Choose all the situations that apply to you, select Skip this On the screen Let us Enter Your Bank and Brokerage Tax Documents, select Skip Import On the screen Who gave you a 1099-R, choose an option and Continue

@vicseabaugh    Only the desktop software allows you to prepare separate tax files form one software set.   For Online, you can't start a new tax return form within your own account...if you try to do so you will permanently destroy your own tax file.   For your daughter, you need to get out of your account, and create an entirely new one, using a new email address (hers probably), and new user's ID and PWD.   Whether you can really use Free depends on what incoem types are in her tax forms.  I have a relative with 2 working teens, whose W-2 $$ are low, but they have UTMA accounts with activity and unearned dividends large enough to force them to have to use the Premium pay-for-it software   Make absolutely suer you write down what UserID/PWd you used for each account...you will forget or be uncertain by the time taxes roll around next year

Only the IRS and your State control when and if a Federal or State tax refund is Approved and Issued.   Once a tax return has been Accepted by the IRS or a State, TurboTax receives no further information concerning the tax return or the status of any tax refund.   If accepted by the IRS use the federal tax refund website to check the refund status - https://www.irs.gov/refunds If accepted by the state use this TurboTax support FAQ to check the state tax refund status - https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/track-state-refund/L3jgO8PGs_...   After the tax return has been Accepted by the IRS (meaning only that they received the return) it will be in the Processing mode until the tax refund has been Approved and then an Issue Date will be available on the IRS website.

To review your fees - Click on Tax Tools on the left side of the online program screen Click on Tools Click on My Fees   The TurboTax Free online edition is for very simple tax returns that do not require any other form or schedule other than the Form 1040.  If your tax data requires entry on any other form or schedule then you must upgrade to the Deluxe edition or higher.   If you have not paid for the online edition you are using, have not filed your tax return or registered the Free edition, then you can clear your return and start over with a lower priced edition. Click on Switch Products on the lower left side of the program screen while working on the 2025 online tax return. Click on Clear & Start Over   Go to this TurboTax website for the Free online edition - https://turbotax.intuit.com/personal-taxes/online/free-edition.jsp   Please Note - TurboTax Online: Important Details about Filing Form 1040 Returns with Limited Credits A Form 1040 return with limited credits is one that's filed using IRS Form 1040 only (with the exception of the specific covered situations described below). Roughly 37% of taxpayers are eligible. If you have a Form 1040 return and are claiming limited credits only, you can file for free yourself with TurboTax Free Edition or TurboTax Live Assisted Basic (if available), or you can file with TurboTax Full Service at the listed price. Situations covered (assuming no added tax complexity): W-2 income Interest or dividends (1099-INT/1099-DIV) that don’t require filing a Schedule B IRS standard deduction Earned Income Tax Credit (EITC) Child Tax Credit (CTC) Student loan interest deduction Situations not covered: Itemized deductions claimed on Schedule A Unemployment income reported on a 1099-G Business or 1099-NEC income Stock sales (including crypto investments) Rental property income Credits, deductions and income reported on other forms or schedules

Not a CPA, but my understanding is - if you don't have activity requiring File 8606 then it is not filed.  But you need to carry forward the basis which Turbotax will do on worksheets, but over the course of 19 years if you didn't use Turbotax consistently or some other issue occurred along the way, maybe the basis was lost and then Turbotax wouldn't have known to trigger 8606 for the distribution; when you input the 1099-R you would have had a question whether you made non-deductible contributions for prior years and confirm the basis carry forward to use.   It sounds like you may have to amend your 2023 return to get the right tax calculation on that distribution and adjustment to your basis which would carry forward to 2024 (which may or may not need amending also if you had any activity affecting Form 8606), and 2025.   @dmertz 

yes, line 18 is your beginning tax before the non refundable credits.  Line 21 is your total non refundable credits (which would be your lifetime learning credit).  That takes your tax down to $1,243.  Then I am assuming line 24 is the same as line 22.     Then on line 33 this is the total of your payments including refundable credits and withholdings from your pay check.  So when you subtract $1,243 from $3,025, you get $1,782.  So that is your real refund.  Assuming you entered everything correctly on your return you would not have to pay it back. 

I am using the Deluxe version on my MacPro and when I follow the process outlined above the estimated taxes for 2026 show only the amount currently paid or withheld to date AND adds the prior years (2025) taxes withheld. This results in an amount for estimated taxes needed to be paid during 2026 which not accurate because the amount that will be withheld in 2026 will be different that what was withheld in 2025. In prior years, there was a question I believe that asked what the total amount of taxes for the year were going to be withheld and not just what was withheld to date. What am I missing? Thanks.

@russmccue    For any of the states that do not have an income tax.... You leave boxes 15,16,17 entirely blank/empty for a W-2 You leave boxes 14,15,16 entirely blank/empty for a 1099-R.   Similar for the state boxes on any other tax form.   

OK, thanks to those who responded and offered input. I finally decided to just take a deep breath and work through transferring the K-1 information I got to the K-1 forms in TT. Answered whatever questions came up, some on some rather obscure points. Nevertheless, I finished and my Review showed no errors, so I submitted it. I suppose time will tell if there is an issue with the 8949s. 😑