I opened traditional IRA account and contributed for 2025 on 4/14/2026 after filing taxes. I donot have 1099R. How to amend my submission to include form 8606?

[baldietax · Accepted solution]

1099R is only for the conversion step, did you convert the Trad IRA contribution to a Roth IRA as part of a "backdoor Roth" - if so the conversion step is reported in the calendar year it's made and you'll get a 1099-R next year to put report it on your 2026 taxes

for the contribution, which can be backdated to prior tax year, you need to enter that under Deductions & Credits / Retirement / Traditional and Roth IRA Contributions.  Pay attention to the questions and do not answer anything to do with recharacterizing (not to be confused with conversion) the money to Roth here just answer about the contribution to the Trad IRA.  This will trigger Form 8606 and you should have the contribution on Line 1 and 14 which will carryover to your 2026 Form 8606 Line 2 and will make the conversion non-taxable when you get the 1099-R next year (assuming you don't have pre-tax balance in any Trad IRAs then the conversion is considered partially taxable according to the pro-rata calculation on Form 8606).

the contribution will be officially reported on Form 5498 you should get in May but not needed to file.

the steps for Backdoor Roth are here

https://ttlc.intuit.com/turbotax-support/en-us/help-article/retirement-benefits/enter-backdoor-roth-...

[baldietax]

oh just to add if filing an amendment - be sure to save a copy of your .tax file from your original filing, and PDF with all forms and worksheets, before starting the amendment process, otherwise it just overwrites your original return.  In the desktop program you can either use "Save As" or "Duplicate" to create a copy for the amendment, or just make a copy of the .tax file at the file system level.

https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/amend-federal-tax-return-curr...

you should not have any change to your 1040 and in that case I think you could just send in a Form 8606 (see comments at end of the help article above about a missing 8606); others threads here have advised to send in the 8606 with 1040-X to ensure it's processed.

@dmertz is 1040-X really needed to just file a missing 8606 ?

[dmertz]

I've heard that sometimes the IRS examiner will accept the Form 8606 reporting only an addition to basis without the Form 1040-X, sometimes not.  I always suggest including a Form 1040-X because it provides a place for explanation and will show that the addition to basis causes no change to income, deductions, credits or taxes.

[r-v-saikrishna]

Thanks a lot for taking time to respond. Much appreciate it!!!