topic 1099-R After Tax Savings converted to Roth 401K in Get your taxes done using TurboTax

1099-R After Tax Savings converted to Roth 401K

Joyful1 — Mon, 09 Mar 2026 05:04:43 GMT

Hi - within my 401K, I can contribute to a 401K, a Roth 401K and/or an After Tax Savings Account. In 2021, I rolled over my entire After Tax Savings account to the Roth 401K. The plan administrator sent me a 1099-R form with an amount in the Gross Distribution in box 1, an amount in the Taxable amount in box 2a, the difference between Box 1 & Box 2 is in Box 5; Box 4, Tax withheld = $0, Code "G" is in box 7 and Box 14 State Tax withheld = $0.

While reviewing my completed tax return, I noticed that on line 5b Taxable amount, it states "ROLLOVER" and an amount of $0, which I believe is incorrect because Box 2a of the 1099-R states the taxable amount.

Am I correct or is TurboTax correct? If I am correct, how do I insert the taxable amount into TurboTax?

Thanks in Advance!

Re: 1099-R After Tax Savings converted to Roth 401K

JohnB5677 — Thu, 24 Feb 2022 17:12:45 GMT

You are correct that the value of 2a on the 1099-R should be taxable on your 1040 tax return.

I've posted this in the online version of TurboTax, and it came out correctly.

Go to Wages & Income:

IRA, 401(k), Pension Plan Withdrawals (1099-R)
Select your 1099-R
Continue
Post the 1099-R info
Is the IRA/SEP/SIMPLE box on this 1099-R checked? = NO
Did this money come from a Roth IRA? = NO
Did you move this money from a 401(k) to a Roth 401(k)? NO
Where is your distribution from?
1. None of the above
Do any of these situations apply to you?
1. None of these apply
Did you move the money to a Roth IRA?
1. Yes, this money was rolled over to a Roth IRA
Did you make after-tax contributions to a 401(k) or 403(b) plan? = NO

This resulted in Box 5a being total distribution, and Box 2a (1099-R) in 5b.

Re: 1099-R After Tax Savings converted to Roth 401K

VolvoGirl — Thu, 24 Feb 2022 17:17:12 GMT

But code G means a direct transfer and not taxable. It was from an AFTER TAX account and went into a ROTH so it should not be taxable. @dmertz

Re: 1099-R After Tax Savings converted to Roth 401K

dmertz — Thu, 24 Feb 2022 18:54:26 GMT

Neither of the previous replies is correct.

The after-tax subaccount that was rolled over to Roth contained both after-tax contributions (box 5 amount) and pre-tax investment gains (box 2a amount), so the amount in box 2a must be included on Form 1040 line 5b.

For TurboTax to treat the taxable amount in box 2a as actually taxable you must answer Yes to either the question asking if you rolled over the money to a Roth 401(k) (or Roth 403(b)) or to the question asking if you rolled over the money to a Roth IRA. In this case the rollover was to a Roth 401(k) account.

Re: 1099-R After Tax Savings converted to Roth 401K

Joyful1 — Sun, 27 Feb 2022 13:42:49 GMT

@dmertz - you are absolutely correct. I followed your directions and TT properly inserted the taxable amount in box 5b. Thank you! Joyful1