1040

ledzepfred — Sat, 31 Jan 2026 19:12:56 GMT

I rolled my regular Simple IRA to a Roth IRA with the code on the 1099-R showing code 7. The 8606 shows it as a conversion. I went into the 1099-R and and checked Simple IRA plan and box 4c was not checked. I tried the Traditonal box only still no check in the 1040 box c. I then tried them both and still no check mark in box 4c. What box should be checked (I opened IRA myself with my own contributions) and why doesn't still not check box 4c. Is there a glitch in the software that's causing this problem and when will it be fixed. That is the only the need done in order to file my return.

Re: 1040

AnnetteB6 — Sat, 31 Jan 2026 19:50:46 GMT

If the contributions you made to the Simple IRA were tax-deferred, then the Simple IRA is treated the same as a Traditional IRA. When money in a Traditional IRA is distributed and placed directly in a Roth IRA, that is called a conversion instead of rollover. A conversion to a Roth IRA is typically a taxable event since the money from the previous account was tax-deferred. Since this is a conversion, the checkbox on Form 1040 line 4c for a rollover should not be checked.

A rollover is taking a distribution from one kind of account (like a Traditional IRA) and placing it directly into the same kind of account, but probably at a different financial institution. This is not taxable, but it is reported on your return.

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1040

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