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Level 2
posted Jan 25, 2024 11:00:15 AM

Turbotax says I have penalty for contributing too much in our IRA

We are retired but also had "other reportable income" for helping to settle a family estate. The IRS clearly says this is taxable income. My wife was paid $7000 for this, which we put under "other reportable income" where TurboTax actually says to put it "if you're not in the business of being an executor." We put $6200 into a Roth for her. Yet apparently TT doesn't recognize this $7000 as earned income because it says my wife has overpaid $6200 into the Roth. This looks to me like a software glitch. TT, please fix this ASAP.

0 6 490
6 Replies
Level 15
Jan 25, 2024 11:04:32 AM

She needs to file it as self employment income on Schedule C to count as earned income for IRA deductions.  

Level 2
Jan 25, 2024 11:21:20 AM

I'll try that.

Level 15
Jan 25, 2024 11:49:50 AM

Keep in mind that treating the $7,000 as income from self-employment will subject it to self-employment tax of $989.  Subtracting the deductible portion of self-employment tax from $7,000 leaves $6,505 available to support the $6,200 IRA contribution.

Level 15
Jan 25, 2024 12:27:55 PM

Other Income is not "compensation"

 

As macuser22 would tell you, you're filing an incorrect (fraudulent) return.

Level 2
Jan 25, 2024 12:41:23 PM

Would you clarify? I don't know what you mean (regarding incorrect return).

 

Level 2
Jan 25, 2024 12:45:24 PM

Thanks for the info. Seems like a strange way to do it when the IRS simply says to call it "other income" but TT doesn't treat is as earned (which IRS says it is.) Oh well.