topic Re: 1099-R for 401K to Roth Ira in Retirement tax questions

1099-R for 401K to Roth Ira

Kerry B — Mon, 27 Jan 2025 22:16:54 GMT

Hi, I recently left a job and had my 401k rolled over to my Roth IRA. When I got my 1099R, it has the full amount listed in the Gross Distribution, Total distribution box checked, and code G. and nothing else. I know something is wrong here because I expected to pay taxes on the full amount since it went into my Roth. What else is supposed to be checked / entered on my 1099R?

Re: 1099-R for 401K to Roth Ira

MinhT1 — Mon, 27 Jan 2025 22:22:24 GMT

The form 1099-R is correct with code G in box 7. You have to indicate in the TurboTax interview that the rollover was to a Roth IRA. The amount will then be taxable.

Enter your form 1099-R by following these steps:

In TurboTax, open your tax return
Click on Federal in the left-hand column, then on Wages & Income
Navigate to the list of income categories
Locate the section Retirement Plans and Social Security and click on the arrow on the right
Click Start next to IRAs, 401(k), Pension Plan Withdrawals (1099-R).
Enter your form 1099-R and follow the interview
When you arrive to the page Did you move the money to a Roth IRA?, click on the radio button Yes, this money was rolled over to a Roth IRA and Click Continue

Re: 1099-R for 401K to Roth Ira

Kerry B — Mon, 27 Jan 2025 22:35:49 GMT

Thank you. I had entered the 1099-R and answered all the questions, yet my Fed Tax due did not increase. I just deleted the form, re-entered it, and it looks like it is working now. Thank you for your help.

Re: 1099-R for 401K to Roth Ira

tjdport — Sun, 25 Jan 2026 04:02:04 GMT

I rolled over my pretax 401k to my Roth IRA during 2025. When I received my 1099R, it shows the full amount in box 1 Gross Distribution, $0 in box 2 Taxable Amount, code G in box 7 Distribution Code, and nothing else.

In the TurboTax interview, I clicked "Yes" on the page "Did you move the money to a Roth IRA?"

Because the money was rolled over to a Roth IRA, the full amount should be taxable. However, TurboTax is treating it as nontaxable. I tried deleting and reloading the 1099R, but that didn't resolve the issue.

Re: 1099-R for 401K to Roth Ira

dmertz — Sun, 25 Jan 2026 17:07:54 GMT

The zero in box 2a of the Form 1099-R indicates that the 401(k) plan believes that you requested a rollover to a traditional IRA, not to a Roth IRA. If you properly requested that the 401(k) plan make the rollover be to a Roth IRA, the plan needs to correct the Form 1099-R to show the same amount in box 2a as is in box 1.

If you did not specifically indicate to the plan that the rollover was to be to a Roth IRA, you yourself redirected the rollover to a Roth IRA and there is no reason that the plan would be expected to change the Form 1099-R. In that case you would need to include a substitute Form 1099-R (Form 4852) in your tax return showing the same amount in box 2a as is in box1. Note that including Form 4852 prevents you from e-filing.