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New Member
posted Jan 30, 2025 5:32:36 AM

In the standard deduction section it shows $30,750 but on federal review section it states "...which included a $900 penalty for early withdrawal of savings." Why?

In the standard deduction section it shows $30,750 but on the federal review section it states "You took the Standard Deduction of $30,750. Your total deductions were $31,650, which included a $900 penalty for early withdrawal of savings." why?

0 4 1599
4 Replies
Expert Alumni
Feb 6, 2025 6:56:15 PM

Did you cash out a bank CD early?  Or take a distribution from a Retirement Account?  TurboTax is telling you that your Itemized Deductions totaled $31,650, but since a $900 Penalty was subtracted, you are getting a deduction of $30,750. This is the Itemized Deduction; the Standard Deduction for MFJ for 2024 is only $29,200. 

 

If you're using TurboTax Online, in the left-side menu go to Tax Tools > Tools, then choose View Tax Summary from the pop-up menu.  Back at the left-side menu, choose Preview My 1040 to see the details on your return.

 

Here's more info on Penalty for Early Withdrawal of Savings.

 

 

 

 

New Member
Feb 7, 2025 2:52:51 AM

Thank you for your response.  I did not cash out a CD early.  I was 60 years old last year so all IRA withdrawals should not penalized since I'm over 59 1/2.  Do you have any other clues or is this a bug that needs to be fixed?

New Member
Feb 7, 2025 3:32:57 AM

I found the issue.  When I uploaded a photo of a 1099-INT form, Turbo Tax put a $900 amount in box 2 - Early Withdrawal Penalty, which was NOT on the original form. Once I corrected that to $0 the problem was resolved. So there is an issue with Turbo Tax photo upload of 1099-INT.

Level 15
Feb 7, 2025 4:46:04 AM

Yep....the "AI" that interprets pictures and PDF uploads is FAR from flawless.

 

You absolutely MUST edit/examine every document you enter that way.

...or perhaps never use it at all...