All Retirement tax questions posts

Re: Why does this program keep defaulting to a $20,000 Subtraction on the military pension exclusion?

dmertz — Tue, 14 Apr 2026 13:04:56 GMT

This is likely the result of indicating during the entry of a Form 1099-R that the distribution was from active or reserve military retirement.

federal review shows Line D of form 1099-Q should not be linked, how do i unlink?

admiral — Tue, 14 Apr 2026 12:54:23 GMT

how to unlink a field on 1099-q form?

Re: I do not have my ssa-1099 form.

DoninGA — Tue, 14 Apr 2026 12:42:11 GMT

Go to this SSA website for information on the SSA-1099 - https://www.ssa.gov/faqs/en/questions/KA-01723.html

I do not have my ssa-1099 form.

livviek524 — Tue, 14 Apr 2026 12:39:30 GMT

Re: I took my RMD a day late. What should i do?

rjs — Tue, 14 Apr 2026 12:36:50 GMT

@kennyserb

What information are you entering? If your RMD really was not withdrawn until 2026 you did not get a 1099-R, so you have nothing to enter in your 2025 tax return. If you did get a 1099-R for 2025 then the RMD was not really late and you do not need Form 5329. Just enter the 1099-R.

If the RMD was actually late, and you do not have a 1099-R for 2025, you have to add Form 5329 to your 2025 tax return. To find Form 5329 when you don't have a 1099-R you have to go to forms mode. Click the Forms icon at the top right of the TurboTax window. In forms mode click the Open Form icon at the top left. In the space that says "Type a form name" type 5329. That will give you two choices: Form 5329-T and Form 5329-S. Form 5329-T is for the primary or only taxpayer on the tax return. Form 5329-S is for the spouse, the second taxpayer, on a joint tax return.

Re: My box 1 on a CSF shows $31044;box 2A shows "unknown" box; 5 shows 4476.79 this survivor pens...

DaveF1006 — Tue, 14 Apr 2026 12:35:11 GMT

No, the full amount in Box 1 is not taxable. Because Box 2A says "Unknown," the payer (OPM) is telling you that they haven't calculated the exact taxable amount for you. There will be some follow-up annuity questions that you will answer that will determine the taxable amount. Here is the flow of the interview that will get you to the follow up questions.

1. The Entry Stage

When you start entering your 1099-R:
Box 2A: Leave this blank in TurboTax. Do not type "0" or "Unknown."
Box 2B: Check the box that says "Taxable amount not determined."
Box 5: Enter $4,476.79.
Box 9B: Enter $81,030.

2. The "Simplified Method" Interview

After you finish the main form, TurboTax will ask, "Do you need to calculate your taxable income?" or "Was this a periodic payment?" Say YES. It will then walk you through the Simplified Method Worksheet. You will need:

The Annuity Start Date: Since you've received this for 13 years, find the month/year the payments first began.
Age of Recipient: Your age on the date the annuity payments started.
Cost in Plan: This is your Box 9B amount ($81,030).
Amounts Previously Recovered: This is the most important part for someone 13 years in. You need to look at your 2024 tax return. Look for the "Simplified Method Worksheet" in your records; it will have a line showing the total amount you have already recovered tax-free in all previous years combined.

After you have finished with this section, your 2A taxable amount will be lower than your Box 1 amount.

Re: Why does this program keep defaulting to a $20,000 Subtraction on the military pension exclus...

JamesG1 — Tue, 14 Apr 2026 12:34:12 GMT

Please advise what state tax return you are referring to.

Why does this program keep defaulting to a $20,000 Subtraction on the military pension exclusion?

gjrlafave — Tue, 14 Apr 2026 12:24:07 GMT

I did not enter this subtraction amount, nor can I remove it or edit it?

Re: Brokerage firm did not process rmd by error. How do I add a form 5329 on turbotax?

jtax — Tue, 14 Apr 2026 12:05:55 GMT

You enter a 1099-R into turbotax in the usual way and carefully answer the questions about the amount of the RMD required and take (could be zero). TT will generate the 5329 if needed and ask you questions about it. Be sure to preview the form 5329 and make sure it makes sense to you. If not, ask again or try to find the questions you need.

If you don't have a 1099-R enter one as if you had received a distribution anyway, but with zeros. Some people have reported (see below) that only works in the Desktop version of TurboTax.

Here are two other discussions of how to deal with 5329s in TurboTax. They might be helpful to you.

https://ttlc.intuit.com/community/retirement/discussion/how-do-i-add-form-5329-if-i-do-not-have-a-1099-r/00/3576366

https://ttlc.intuit.com/community/taxes/discussion/by-using-turbotax-online-software-how-can-i-get-form5329/00/3494291

Re: my roth ira seems to be being a taxable occurrence on turbo tax. how do i correct. i am 60

DaveF1006 — Tue, 14 Apr 2026 11:57:04 GMT

At age 60, Roth IRA withdrawals may still show as taxable in TurboTax if the software doesn’t have enough details to confirm the withdrawal is qualified. Since you’re over 59½, this usually happens because of the 5-year rule or missing information about your contributions.

Here is how to troubleshoot and fix this in TurboTax.

1. Check the "5-Year Rule"

For a Roth IRA distribution to be 100% tax-free, the account must have been open for at least five tax years.
The Fix: When TurboTax asks when you opened your first Roth IRA, ensure the date is more than five years ago. If you opened it recently (e.g., 3 years ago), the earnings portion of your withdrawal will be taxed as ordinary income, even though you are over 59½. The principal (your original contributions) is always tax-free.

2. Enter Your "Basis" (Prior Contributions)

TurboTax often defaults to taxing a distribution if it doesn't know how much of the money was "already taxed" (your contributions). You need to tell the software your Net Roth IRA Contributions.

Go to Federal > Deductions & Credits.
Find the Retirement and Investments section and select Traditional and Roth IRA Contributions.
Step through the screens until you see: "Enter your net Roth IRA contributions prior to 2025" (or the current tax year).

Enter the total amount of money you have personally contributed to the Roth IRA over your lifetime. This establishes your "basis." If your withdrawal is less than this amount, the tax should drop to $0.

Re: Where is Form SSA-1099 data required to be listed?

JohnB5677 — Tue, 14 Apr 2026 11:48:00 GMT

To enter a Social Security 1099-SSA, follow these steps.

Log into TurboTax

Under Federal

Select Wages & Income
Scroll to and select Social Security (SSA-1099, RRB-1099)
Now click Start or Edit or Add another 1099-R
The screen may show Did you receive Social Security or Railroad Retirement benefits in 2023?
Answer Yes
If you filed a 1099-SSA last year, it may show an entry screen for you and‌ your spouse.
Continue through the interview.

Where do I enter an SSA-1099, SSA-1099-SM, or SSA-1099-R-OP1?

Re: I have a 1099-R because money was stolen from my 401K last year. Is there a way to avoid payi...

JohnB5677 — Tue, 14 Apr 2026 11:43:45 GMT

Can you give us some more information to clarify your situation?

What happened to your 401-K?
Did you get a 1099-R?
Did you get the distribution listed on the 1099-R?

Re: I keep asking you the same question but you are no more help than turbo tax!

DoninGA — Tue, 14 Apr 2026 11:41:39 GMT

If you are e-filing your tax return, you do not physically sign the return. You have to enter your 2024 AGI for your electronic signature.

To access your current or prior year online tax returns sign onto the TurboTax website with the User ID you used to create the account - https://myturbotax.intuit.com/

You complete your tax return by finishing all 3 Steps in the File section. In Step 3, to e-file your tax return, you must click on the large button labeled "Transmit my returns now".

After completing the File section and e-filing your tax return you will receive two emails from TurboTax. The first email when your tax return was transmitted and the second email when the tax return has either been accepted or rejected.

Re: I am 91 years old and still work full-time. Is there a RMD on my pension benefits?

JohnB5677 — Tue, 14 Apr 2026 11:41:14 GMT

There are no RMD requirements on a pension. The pension will have regular fixed payments that end when you pass away.

A 401-K or IRA will have RMD's. The IRS wants their taxes, so it requires an individual to "sell off" their retirement plans before they're left for inheritance.

Re: why is my taxable state amount different from what's listed on my w-2

DoninGA — Tue, 14 Apr 2026 11:40:36 GMT

There is probably an error on the amount that was entered on the TurboTax W-2 for state wages, box 16. Either a typo or a misplaced decimal point or a comma entered as a decimal point.

Go back to the W-2 section of the program and edit the W-2 to check for errors.

Re: why is my taxable state amount different from what's listed on my w-2

CesarJ — Tue, 14 Apr 2026 11:38:42 GMT

The amount for taxable state wages in TurboTax may differ from your W-2 due to how state source income is allocated. TurboTax adds all state wages reported in box 16 of your W-2s, which can be higher if you have income sourced in multiple states. This can happen if you live and work in different states or have multiple employers reporting wages for different states.

Review the state and local wage entries in TurboTax, especially boxes 15–17 of your W-2. Make sure that the state abbreviation in box 15 matches the earnings in box 16, and adjust if any wage is incorrectly attributed to a state.

The difference might also occur if your wages were earned in one state but reported under another employer’s state ID. TurboTax needs correct allocation to avoid double counting or inflating wages reported to a particular state.

why is my taxable state amount different from what's listed on my w-2

TaxWmn — Tue, 14 Apr 2026 11:33:47 GMT

My w-2 has taxable state wages but when I did my return the amount turbo tax enter was much higher

I keep asking you the same question but you are no more help than turbo tax!

beverlyhill47icloud — Tue, 14 Apr 2026 11:24:13 GMT

Please help me get to my return to sign it !

Re: how TurboTax will not let me edit my 1099-r?

Vanessa A — Tue, 14 Apr 2026 11:14:59 GMT

Please update your MAC, I was able to see the same issue and the update resolved the problem.

Re: For a 1099-R inherited IRA, is the Taxable Amount the same as Gross Distribution or are there circumstances when it might be less? The not determined box is checked.

dmertz — Tue, 14 Apr 2026 10:43:04 GMT

The taxable amount is typically the same as the gross amount. However, if the decedent had basis in nondeductible traditional IRA contributions that they reported on Form(s) 8606, the taxable amount would be less. You would have to find the last Form 8606 that the decedent filed, if any.