if the Schedule 2 form on the IRS website does not include retirement why is your software demanding that I pay for deluxe because I have retirement through my employer?

I called customer service to assist in determining why deluxe was required for me but not my mom with a similar tax situation - same employer/ benefits like retirement and deductions. Please keep in mind the schedule 2 form is available on the IRS website to the public.

3592

Level 15

Jan 25, 2026 7:15:43 PM

What exactly does it say you need Schedule 2 for? It has retirement on it in part 2 line 8 Other Taxes. Did you make a IRA contribution or get a 1099R for a withdrawal?
https://www.irs.gov/pub/irs-pdf/f1040s2.pdf

It comes from Form 5329

https://www.irs.gov/pub/irs-pdf/f5329.pdf

New Member

Jan 26, 2026 3:34:08 AM

I made typical contributions to a pre tax IRA which is not included in Schedule 2. I didn't get a 1099R because there were no withdrawals.

Level 15

Jan 26, 2026 8:45:43 AM

What is a pre tax IRA? Did you enter it under Deductions? Pre tax items are normally only entered from your W2. If you entered it again under Deductions you may have made an excess contribution. That would be on form 5329 .

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if the Schedule 2 form on the IRS website does not include retirement why is your software demanding that I pay for deluxe because I have retirement through my employer?