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Level 3
posted Jun 3, 2019 11:19:15 AM

One of my 1099-INT shows an early withdrawal penalty for a regular CD. Can I deduct this from my tax returns and how using Turbotax?

0 7 6030
1 Best answer
Level 15
Jun 3, 2019 11:19:16 AM

When you enter the 1099-INT in TurboTax, check the box below box 1 that says "My form has info in more than just box 1." Then all the other boxes will appear on the screen, including box 2 for the early withdrawal penalty. When you enter it there, TurboTax will put the deduction on your tax return. It will appear on Schedule 1 line 30, and will be subtracted when your Adjusted Gross Income is calculated on Form 1040 line 7.

7 Replies
Level 15
Jun 3, 2019 11:19:16 AM

When you enter the 1099-INT in TurboTax, check the box below box 1 that says "My form has info in more than just box 1." Then all the other boxes will appear on the screen, including box 2 for the early withdrawal penalty. When you enter it there, TurboTax will put the deduction on your tax return. It will appear on Schedule 1 line 30, and will be subtracted when your Adjusted Gross Income is calculated on Form 1040 line 7.

New Member
Jun 3, 2019 11:19:17 AM

And just for your information, the item is an "adjustment" instead of a "deduction" and that's good because you benefit from it even if you don't itemize.

Level 3
Jun 3, 2019 11:19:18 AM

Thank you very much for the immediate answer and the clarification (adjustment rather than deduction). I appreciate it very much.

Level 15
Jun 3, 2019 11:19:18 AM

Some people call an adjustment an "above the line deduction." The official IRS term is "adjustment."

Level 3
Jun 3, 2019 11:19:19 AM

Thanks, rjs, for your help.

New Member
Feb 1, 2021 8:01:12 AM

Does that "adjustment" carry over to the state return?

Level 7
Feb 1, 2021 8:31:13 AM

Yes it does carry over to the state return to the extent that the state income tax is based on federal adjusted gross income.