topic Regular Roth Contributions being coded as Excess! in Deductions & credits

Regular Roth Contributions being coded as Excess!

christine1 — Sun, 01 Feb 2026 18:35:46 GMT

Hello! Filing Head of Household. Earned Income was $67,777.00.

On the IRA Contribution Worksheet, I list my (Roth) Ira contributions, line 19 as $7800. It's my regular contribution. The remaining $200 went into an IRA.
For the record, I did about $20K in Roth Conversions in 2025.

$7800 is populating correctly down to line 27, Total Roth Contributions = $7800.

However, moving down to line 30, it's listing this contribution as excess.
On the Roth Contribution Limit Worksheet, it doesn't populate at all.
On the IRA Deduction Worksheet, the $7800 is listed as my contribution.

Does that IRA/Roth conversion inflate my income enough that I don't qualify for Roth contributions? It's causing $468 in taxes. I can still take it back, but I'd prefer not to.

What am I doing wrong to cause my contributions to be switched to Excess?
Thanks

Re: Regular Roth Contributions being coded as Excess!

DanaB27 — Tue, 03 Feb 2026 13:22:44 GMT

It would be helpful to have a TurboTax ".tax2025" file that is experiencing this issue. You can send us a “diagnostic” file that has your “numbers” but not your personal information. If you would like to do this, here are the instructions for TurboTax Online:

From the left menu select Tax Tools.
Then select Tools below Tax Tools.
A window will pop up which says Tools Center.
On this screen, select Share my file with Agent.
You will see a message explaining what the diagnostic copy is. Click okay through this screen and then you will get a Token number.
Reply to this thread with your Token number and add @DanaB27 . This will allow us to open a copy of your return without seeing any personal information.

The instructions for TurboTax Download:

On your menu bar at the very top, click "Online"
Select "Send Tax File to Agent"
Click "Send"
The pop-up will have a token number
Reply to this thread with your Token number and add @DanaB27 . This will allow us to open a copy of your return without seeing any personal information.

We will then be able to see exactly what you are seeing and we can determine what exactly is going on in your return and provide you with a resolution.

Re: Regular Roth Contributions being coded as Excess!

christine1 — Thu, 05 Feb 2026 14:59:49 GMT

Thank you.

206839398-97907592 (restored)
@DanaB27

Re: Regular Roth Contributions being coded as Excess!

DanaB27 — Thu, 05 Feb 2026 20:41:05 GMT

Thank you, I reviewed your return and was able to see the Roth IRA Contribution Limit Worksheet (in TurboTax Desktop Forms you see it towards the end of the federal forms under "Roth IRA").

Your Modified Adjusted Gross Income (MAGI) was over the limit and therefore you cannot make a Roth IRA contribution. Please see Worksheet 2-1. Modified Adjusted Gross Income for Roth IRA Purposes for additional information how your MAGI for Roth IRA purposes was calculated.

Please see What if I made an excess Roth IRA contribution for options how to fix this excess contribution. If you decide to remove the excess contribution please make sure you request with your financial institution to withdraw the excess contribution plus earnings to ensure your Form 1099-R has the correct codes.

Re: Regular Roth Contributions being coded as Excess!

christine1 — Fri, 06 Feb 2026 03:21:08 GMT

Thank you for taking a look.
I'm still working on the capital gains from selling a rental property.
The moment I sent my file off to you, it occurred to me that inflated my income badly.

I appreciate it!
Christine

Re: Regular Roth Contributions being coded as Excess!

jnjmt — Sun, 01 Mar 2026 15:02:12 GMT

TOKEN: 56057223-13043999 @DanaB27

I have the same problem: my Roth contribution of $8000 is being considered excess and taxed $480.

Our joint AGI is way below the maximum allowed.

Re: Regular Roth Contributions being coded as Excess!

DanaB27 — Sun, 01 Mar 2026 15:39:54 GMT

Thank you I reviewed your token. You do not have any taxable compensation to make Roth IRA contributions. Retirement income, interest, and dividends are not Compensation for Purposes of an IRA.

You will need to remove the excess contribution plus earnings by the due date to avoid paying the 6% penalty. Please request the return of excess contribution plus earnings with your financial institution.

If you withdraw the excess contribution plus earnings by the due date then you can delete the Roth IRA contribution in the IRA contribution interview:

Click on "Search" on the top right and type “IRA contributions”
Click on “Jump to IRA contributions"
Uncheck “Roth IRA” and confirm deletion

If you made an excess contribution in 2025 and withdrew the 2025 excess Roth IRA contribution plus earnings in 2026 before the due date, then you will get a 2026 Form 1099-R in 2027 with codes P and J. This 1099-R will have to be included on your 2025 tax return and you have two options:

You can wait until you receive the 2026 Form 1099-R in 2027 and amend your 2025 return or
You can report it now in your 2025 return and ignore the 1099-R when it comes unless there is Box 4 Federal Tax withholding and/or Box 14 State withholding. Then you must enter the 2026 Form 1099-R into the 2026 tax return since the withholdings are reported in the year that the tax was withheld. The 2026 code P will not add anything to your income in the 2026 tax return but the withholdings will be applied to 2026.

To enter a 2026 Form 1099-R in your 2025 return please follow the steps below:

Login to your TurboTax Account
Click on the "Search" on the top right and type “1099-R”
Click on “Jump to 1099-R”
Answer "Yes" to "Did you get a 1099-R in 2025?"
Select "I'll type it in myself"
Box 1 enter total distribution (contribution plus earning)
Box 2a enter the earnings
Box 7 enter J and P
Click "Continue"
On "Is the IRA/SEP/SIMPLE box on this 1099-R checked?" screen answer "No, the box is blank"?
On the "Which year on Form 1099-R" screen say that this is a 2026 Form 1099-R.
Click "Continue" after all 1099-R are entered and answer all the questions.
Continue until "Tell us which person may have qualified for a penalty exception" screen and select the edit/pencil symbol.
On the “These situations may lower your tax bill” screen enter the amount of earnings under "Corrective distributions made before the due date of the return".

Please be aware, code P will say in the drop-down menu "Return of contribution taxable in 2024" but you can ignore that since the follow-up question will tell TurboTax that it will be taxable in 2025.

@jnjmt

Re: Regular Roth Contributions being coded as Excess!

jnjmt — Mon, 02 Mar 2026 01:37:46 GMT

Thank you so much for your quick and thorough response! Your knowledge is much appreciated.

I am surprised the institution let me contribute to an IRA. I will take the necessary steps to withdraw my contribution.

jnjmt