Reporting Excess Roth Contributions without a 1099R

ceplecha — Sun, 22 Mar 2026 17:52:52 GMT

I had excess Roth IRA contributions for 2025 refunded to me in March of 2026. I need to report the excess and earnings refunded on my 2025 return. My financial institution stated they will send my 1099R to me in January 2027. Turbo Tax is requiring I enter the 1099R information now and I can't bypass this. How do I report this in Turbo Tax w/o the 1099R? Or is this a bug in the software?

Re: Reporting Excess Roth Contributions without a 1099R

ReneV4 — Sun, 22 Mar 2026 22:40:12 GMT

No. It is not a software bug. The earnings are legally taxable on your 2025 return, even though you will not receive a Form 1099-R until next year. To report excess earnings on the contribution in 2025, enter the Form 1099-R you will be receiving next year as if you had it now.

Go to Wages & Income on the left panel within your TurboTax account
Click on the +Add more income box
Scroll down to Retirement Plans and Social Security and click the down arrow to expand
Click Start to the right of IRA, 401(k), Pension Plan Withdrawals (1099-R)
Click on +Add a 1099-R, select the Change how I enter my form box
On the next screen, you can select Type it in myself, or other options, then Continue
Select the box on the top left for Financial institution or other provider (1099-R), then Continue
Enter the provider's information, then Continue
Enter the details from your Form 1099-R
In Box 1 enter the total distribution, plus earnings,
In Box 2a enter the earnings
Choose Distribution Code J in first Box 7, then check the, "I have more than one value in Box 7" box
Enter Code P for second Box 7, then Continue
Select No for "Is the IRA/SEP/Simple box checked?", then Continue
Select 2026 for, What year is on your 1099-R?", then Continue, answering the questions as you go
When you reach, "These situations may lower your tax bill"
Enter earnings in the Corrective distributions made before the due date of return box, which is near the bottom

Note: When you receive your Form 1099-R next year, you can ignore it, unless there is Box 4 Federal Tax withheld. If that is the case, you will need to enter the Form 1099-R to report that withholding.

Re: Reporting Excess Roth Contributions without a 1099R

ceplecha — Mon, 23 Mar 2026 17:58:45 GMT

Thank you for the solution very much!

topic Reporting Excess Roth Contributions without a 1099R in Retirement tax questions

Reporting Excess Roth Contributions without a 1099R

Re: Reporting Excess Roth Contributions without a 1099R

Re: Reporting Excess Roth Contributions without a 1099R