If I meet all qualifications for Retirement Savings Contrib Credit, why does TurboTax say 'you don't qualify for the credit?' I did not contribute via W2. Is there a fix?

[dmertz]

Perhaps you have no income tax liability against which to apply the credit.  This credit is a nonrefundable credit, so it cannot be used to reduce your income tax liability below zero and it cannot be used to reduce Other taxes reported on Schedule 4.

[ariadna]

Thank you for the response. I do have to pay income taxes, however.

[dmertz]

If that's not the reason, it seems that the entries you've made in TurboTax indicate that you don't actually qualify.  See IRS Pub 590-A for the qualification requirements:  <a rel="nofollow" target="_blank" href="https://www.irs.gov/publications/p590a#en_US_2018_publink1000231191">https://www.irs.gov/publication...>

[SweetieJean]

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-save...