Traditional and Roth IRA Contributions if enter contrib after jan 2026 does no show on main screen (backdoor roth scenario) bug TT online

[MA000999]

First time doing a Backdoor Roth and stuck in TurboTax Online. I'm trying to report a 2025 Trad IRA contribution made in early 2026. TurboTax keeps saying it's non-deductible (which is fine), but then it seems to block me from recording the basis for Form 8606. Does the conversion (1099-R) need to be entered before or after the contribution section to make this work? TT not generating Form 8606

[dmertz]

TurboTax automatically includes on line 1 of Form 8606 a nondeductible traditional IRA contribution that you have entered.  When you indicate that this contribution was made in 2026, 2025 TurboTax will also include this amount on line 4.  With no traditional IRA distributions made in 2025, this amount will pass through to line 14 of the Form 8606.  If TurboTax indicates that you entered a nondeductible traditional IRA contribution, it's implausible that TurboTax did not add Form 8606 to your tax return unless you mistakenly indicate that you recharacterized this contribution.

When entering the traditional IRA contribution, make sure that you do not indicate that you recharacterized ("switched") the contribution to be a Roth IRA contribution instead.  Unless you actually did a recharacterization because you were eligible to contribute to a Roth IRA, which seems unlikely since your intent was to do the backdoor process, there was no recharacterization.  A Roth conversion is not a recharacterization.

The Roth conversion performed in 2026 will be reported by the traditional IRA custodian on a 2026 Form 1099-R and is reportable on your 2026 tax return.  The amount from line 14 of the 2025 Form 8606 carries over to line 2 of the 2026 tax return to be applied in calculating the taxable amount of the Roth conversion.

[MA000999]

Thank you for reply and this is exactly the behaviour I want from Turbo Tax. As see below in image 4 if I put amount contributed after 1 Jan 2026 Form 8606 does not generates, where as if I put amount contributed in 2025 Form 8606 generate... Am I missing something or its a bug at TT Online?

[dmertz]

It appears that you failed to enter your total 2025 contributions.  The $7,000 needs to be in both boxes on that page.

[MA000999]

Thanks for reply, I did now put in both even than 8606 is not generating correctly.

[MA000999]

Thank you for reply, I followed your instruction even than the line 4 is not filled on Form 8606, Turbo tax online is not considering this as 2026 contrubution for 2025 year. 

[RogerD1]

I was able to get the correct entries on Form 8606 in the Desktop version by entering $7000 in the Total 2025 Traditional IRA contributions and also $7000 in the box for amounts contributed in 2026.  For the online version, the forms are not viewable until the fees have been paid - you must have paid your TurboTax fees in order to view those, correct?  Had you already submitted your return for e-filing for those screen shots you had taken?

[MA000999]

Hi Roger,

Thank you for your reply, for online, I paid the fees and than I can view in Print Tools these forms and I did not submitted yet as the calculation is coming wrong on the form.

[dmertz]

TurboTax has prepared Form 8606 correctly.  The Roth conversion performed in 2026 is reportable on your 2026 tax return, not on your 2025 tax return.  See the instruction between lines 3 and 4 of Form 8606.

[MA000999]

Per my understanding line 4 has to be filled if 2025 contributions are done in 2026

[dmertz]

The answer is No.  You took no distribution in 2025.

[MA000999]

Thank you for clarificaiton, appreciated.