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New Member
posted Jun 4, 2019 12:54:40 PM

My employer and I both contribute 3% to my IRA. Do I enter my contribution in the IRA questions separately from the portion entered from the W2?

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11 Replies
Level 15
Jun 4, 2019 12:54:42 PM

Are you sure it is an IRA? And not a 401k or 403b?

Level 15
Jun 4, 2019 12:54:43 PM

Your retirement contributions are in box 12 of the W-2. You enter the W-2 exactly as printed in the W-2 section of the program, and that is the only place you will enter that amount in box 12, and only that amount in box 12.

Level 15
Jun 4, 2019 12:54:45 PM

Unless the employer is actually making after-tax contributions to a private IRA (which would be unusual).

New Member
Jun 4, 2019 12:54:46 PM

It is an IRA and the contributions are in box 12. But when the IRA questions came up, it didn't say not to enter there if it was an employer IRA so I wasn't sure. Thank you!!

Level 15
Jun 4, 2019 12:54:47 PM

It is NOT an IRA.     What code is in box 12?  You only report it on the W-2 and nowhere else.

If a code "D" then it is a 401(k) plan.
if code "AA" it is a 401(k) Roth plan - otherwise called a "Designated Roth".  That is type of 401(k) plans and NOT an IRA.
If a code "BB"  it is a 403(k) Designated Roth - also not an IRA.

Level 15
Jun 4, 2019 12:54:49 PM

If your employer is preparing the W-2 correctly, then your contributions are already subtracted from your box 1 wages, which reduces your tax.  You don't enter them again anywhere, as that would result in a double deduction (and a bill from the IRS when they catch up next year).

Level 15
Jun 4, 2019 12:54:50 PM

My guess is an employer sponsored SEP IRA.

New Member
Jun 4, 2019 12:54:52 PM

Code is "S". Yes, I guess it's an SEP IRA. I just knew it was an IRA that my employer matched contributions on. Thank you guys! I thought that was the case but didn't want to miss out if I was mistaken. 🙂

Level 15
Jun 4, 2019 12:54:53 PM

SIMPLE IRA, not a SEP-IRA.  Enter the code S amount only in box 12 of TurboTax's W-2 form, nowhere else in TurboTax.

The employer contribution is not to be reported anywhere in TurboTax.

Level 15
Jun 4, 2019 12:54:55 PM

A 408(p) SIMPLE plan is still an employer sponsored retirement  plan and not a Traditional or Roth IRA that you would make individual contribution to and enter in the IRA contribution section, your contribution are reported on your W-2.

Level 15
Jun 4, 2019 12:54:56 PM

Just enter your W-2, don't enter any separate contributions elsewhere in the program.