need help answering TurboTax follow-up questions when entering 1099-R with box 7 JP code

Forum|Forum|2 months ago
May 18, 2026
1 reply
1643 views

hi TurboTax community...

I'm amending my 2024 tax return because I was not eligible to make 2024 ROTH IRA contributions.

Long story short is i was no eligible to make ROTH IRA contributions in 2024 and reversed my 2024 contributions on 14 October 2025.

I've entered the 1099-Rs into my 2024 tax return but am not sure how to answer the follow-up questions.

Under the FEDERAL TAXES/Wages & Income tab and after the screen that says:

Let's see if we can reduce your early withdrawal penalty

The next screen says:

These situations may lower your tax bill

Enter the amount of IRA distributions I used to pay for the following:

Medical expenses

Permanent disability

...

...

Question #1 - do I enter any numbers into any of the list of boxes?

I was told I need to enter an amount into the:

Corrective distributions made before the due date of the return box?

If yes, what amount do I enter?

Do I enter the amount shown in box 1 of my 1099-R with J-P code in box 7?

I checked the ROTH IRA box under my name under FEDERAL TAXES/Deductions & Credits/Retirement and Investments/Traditional and ROTH IRA Contributions?

TurboTax starts to ask me a bunch of questions I am unsure how to answer.

Question #2 - Is my answer 'no' to the question, Is this a Repayment of a Retirement Distribution?

Question #3 - TurboTax asks for the total ROTH IRA contributions for 2024. Do I enter the amount I originally contributed ($6210), even though that amount (plus earnings) were backed out/reversed 14 October 2025?

TurboTax then asks the following question:

Switch from a ROTH to a Traditional IRA? Tell us if I switched or "recharacterized" any of my ROTH IRA contributions for 2024 over to a traditional IRA.

My situation is part of the 2024 ROTH IRA contributions I reversed on 14 October 2025 were put into a Traditional IRA on 23 December 2025. The remaining amount of my 2024 ROTH IRA contributions is still sitting in my bank checking account.

Question #4 - Do I click 'yes' to the question 'Switch from a ROTH to a Traditional IRA?

Please let me know how to answer the questions above.

Thanks!

Best answer by dmertz

Expert Reviewed

Q1: Yes, Corrective distributions made before the due date of the return is the correct penalty exception. The amount to enter is the amount shown in box 2a of the Form 1099-R, which would be the amount that would be subject to penalty if this exception was not claimed.

Q2: Correct, there was no repayment of a distribution.

Q3: Enter the amount originally contributed, $6,210.

Q4: No, you did not "switch" your contribution. Once the returned contribution and earnings were distributed to you, they were simply cash with no remaining ties to anything having to do with retirement assets. Your traditional IRA contribution made in December 2025 was a contribution made for 2025 and has nothing to do with your 2024 contribution. The traditional IRA contribution made for 2025 is reportable on your 2025 tax return.

D

dmertzAnswer

Level 15

Expert Reviewed

Q1: Yes, Corrective distributions made before the due date of the return is the correct penalty exception. The amount to enter is the amount shown in box 2a of the Form 1099-R, which would be the amount that would be subject to penalty if this exception was not claimed.

Q2: Correct, there was no repayment of a distribution.

Q3: Enter the amount originally contributed, $6,210.

Q4: No, you did not "switch" your contribution. Once the returned contribution and earnings were distributed to you, they were simply cash with no remaining ties to anything having to do with retirement assets. Your traditional IRA contribution made in December 2025 was a contribution made for 2025 and has nothing to do with your 2024 contribution. The traditional IRA contribution made for 2025 is reportable on your 2025 tax return.

M

monumaAuthor

Level 2

hi dmertz...

thank you so much for the help. i completed my 2024 amended tax return and will be mailing it out this week.

next step....amending my 2025 tax return. 😞

i'll post a message with questions asking how to answer some of the TurboTax questions regarding my amended 2025 tax return. please be on the look out for it in the next couple of weeks.

thanks!!