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Level 2

Question

If TurboTax is calculating Excess accumulations in an IRA by confusing two accounts at the same broker (an Inherited IRA and an Inherited ROTH IRA) what do I adjust?

Forum|Forum|3 months ago
April 8, 2026
1 reply
58 views

They are two inherited IRA's. One is a ROTH and the other is a Standard IRA.

TurboTax Online

Level 15

How is TurboTax determining that there is excess accumulation in these accounts? The only thing that you should need to enter for an inherited IRA is the 1099-R showing the distribution and then telling the system that the entire distribution was an RMD. That should be the end of it.

If the system has trouble differentiating between two imported 1099-Rs then delete one of them and tell the system that you will type it in yourself. Type in the information for the second 1099-R and add an extra letter to the name.

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Level 15

There cannot be an excess accumulation in an inherited Roth IRA unless

the Roth IRA is subject to the 10-Year Rule
the 10 years have passed.
the custodian was negligent.

2) is not possible because the 10-Year rule is less that 10 years old.