Here is the good news: You do not need Form 5498 to file your taxes.
Since you don’t have the physical form, you shouldn't be looking for a place to "upload" it or "import" it. Instead, you just need to enter the dollar amount you contributed.
- Find your own records: Look at your bank or brokerage statements (Fidelity, Vanguard, Robinhood, etc.) from the past year. Find the total amount you deposited into your Traditional IRA.
- Look for "Deductions & Credits": In your tax software, navigate to the section labeled "Retirement and Investments" or "Traditional and Roth IRA Contributions."
- Answer "Yes" to contributing: When the system asks "Did you contribute to a Traditional IRA?", say Yes.
- Enter the amount manually: The software will ask how much you contributed. Enter the total from your bank records.
- Skip the 5498 screen: If the software specifically asks you to "Enter details from Form 5498," look for a button that says "I'll enter this myself" or "Skip." As long as you provide the contribution amount, the software has what it needs to calculate your deduction.
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