How can I add a statement/explanation for 1040, line 5a and 5b? There's no longer an "explain" button.

Forum|Forum|5 months ago
January 24, 2026
1 reply
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DoninGA

Level 15

Why do you think you need to add a statement for Lines 5a and 5b on the Form 1040?

You only needed to enter the Form 1099-R to populate those lines.

If you need any type of exception to a penalty, that is entered on Form 5329 and you are give the option to enter that form in the Form 1099-R section after completing entry of the 1099-R.

mccallbillsAuthor

Level 2

Thanks for this response. I'm a retired minister so am permitted to deduct from line 5a an amount attributable to the costs of providing a home -- an archaic practice, but still a protected benefit. My pension board sends a 1099-R with a total and checks "taxable amount not determined." I enter that total amount on 5a, then enter an explanatory statement about deducting housing costs and the net amount on 5b. I'll be philosophical: either they accept it 'cause I've done this for 50 years, or they ask for clarification and I'll send it in.

MarilynG

Level 15

If Box 2b is checked on your 1099-R it is appropriate to subtract your housing expenses from the amount in Box 1 and enter that amount in Box 2a (Taxable Amount).

Here's more info on Excluding Clergy Housing Costs.

@mccallbills

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