How do I decline the $24.00 credit for the Retirement Savings Contribution credit so that I can file my taxes for $0.00. The charge for upgrade is more than the credit.

[macuser_22]

Two options:

1) You might be able to use the Free File Edition for incomes under $36,000 and supports all states and most forms.

And get the credit.

The Free File Edition is part of the IRS Free File alliance and is totally separate from TurboTax website. The IRS Free File should not be confused with the TurboTax Free Edition that only supports simple tax returns.

https://freefile.intuit.com/

How do I switch to TurboTax Free File?
https://ttlc.intuit.com/replies/3491786

2) In the "savers credit" interview answer "yes" you are a student. The answer does not go on the tax return or affect anything else, it simply "fools" TurboTax to remove the credit.

[JotikaT2]

In addition to the suggestions by macuser_22 above, you can also check the credit information in the following section.

1. Select Deductions & Credits
2. Scroll down to All tax breaks and select Retirement and Investments
3. Select Retirement Savings Contribution Credit
4. When asked if you made a contribution to a qualified retirement plan in 2020, select No.  This should remove the credit from your return.