Roth IRA Recharacterize to Traditional IRA reason in Turbo Tax desktop

Nwasher1 · ‎March 4, 2026

We recharacterized $1619 of our Roth IRA contributions to a Traditional IRA in 2025 so that we could get a tax deduction for the contributions. What do I put in the Recharacterize reason box on turbo tax home and business desktop? Is “To get a tax deduction” okay to enter in that box?

DianeW777

The recharacterization can be completed by using the steps in the TurboTax article below.

How do I recharacterize a Roth IRA contribution as a Traditional IRA Contribution in TurboTax?
- Roth IRA Explanation Statement, enter the original amount plus the amount of earnings or loss that were re-characterized.

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dmertz

I don't see why TurboTax would ask you to enter a reason. The IRS does not care why you recharacterized the contribution, they only care that it was executed properly. The explanation just needs to show the amount of contribution recharacterized, the gain/loss-adjusted amount transferred, and the dates of the transactions.