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Level 3
posted Jan 22, 2021 6:28:25 AM

Does anyone know if you need to report anything from your SIMPLE IRA, or if it gets reported on W2? I see a section for Traditional and Roth, but don’t see any for this.

I am waiting for a 1099 form from my Simple IRA provider but do not know if this is necessary to file my taxes. Do SIMPLE IRAs need to be filed by the individual?

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1 Best answer
Expert Alumni
Jan 22, 2021 6:45:23 AM

No - you do not have to do anything to report your SIMPLE IRA contributions. 

 

If you participated in a SIMPLE IRA plan through your employer, the amount contributed into the plan is already excluded from your gross income in Box 1 of your W2.  It will show with code S in box 12 of your W-2.

 

It is only considered as income for Social Security and Medicare withholdings. 

 

 

4 Replies
Expert Alumni
Jan 22, 2021 6:45:23 AM

No - you do not have to do anything to report your SIMPLE IRA contributions. 

 

If you participated in a SIMPLE IRA plan through your employer, the amount contributed into the plan is already excluded from your gross income in Box 1 of your W2.  It will show with code S in box 12 of your W-2.

 

It is only considered as income for Social Security and Medicare withholdings. 

 

 

Level 15
Jan 22, 2021 6:54:01 AM

Forms 1099-R report distributions from retirement plans, not contributions to retirement plans.  If you received a distribution from a SIMPLE plan, it must be reported on your tax return by entering the Form 1099-R reporting the distribution.

 

Your contributions to the SIMPLE plan are shown in box 12 of your W-2.  Enter amounts shown in box 12 of your W-2 only in box 12 of TurboTax's W-2 form, nowhere else in TurboTax.  Employer contributions to the SIMPLE plan are not reported anywhere on your tax return.

Level 3
Jan 22, 2021 9:36:07 PM

I just wanted to confirm with you, my SIMPLE IRA allowed me to pick specific investments, stocks, indexes, etc I could move my contributions in to. Should I / will I be getting any 1099 forms to report to the IRS or no?

Level 15
Jan 23, 2021 6:01:47 AM

Movement of funds between investments within the IRA are not reportable and do not result in the custodian issuing any Forms 1099-R. Forms 1099-R are issued by the custodian when you take money or property out of the IRA.  If you didn't take anything out of the IRA you won't get any Form 1099-R with respect to this IRA.

 

If you did take something out of the IRA, the custodian has until January 31 to issue the Form 1099-R.