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Level 2
posted Apr 7, 2022 2:45:23 PM

2021 IRA Value must include 2020 distributions?

My spouse has a backdoor Roth. When I get to the Turbo Tax deductions/credits page that asks for the Value of the traditional IRAs on December 31, 2021, I would like to put $0, because that was the balance on that date. But Turbo Tax says to include any distributions made in 2020...and his 1099R from 2020 does show distribution of $12K (along with the distribution code 2 to signify it was a Roth conversion). Does the 1099R for our Roth Conversion count or not towards the 2020 distributions Turbo Tax is asking about here?

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3 Replies
Level 15
Apr 7, 2022 3:55:56 PM

the problem is, TurboTax may not prompt you based on the lines on the forms.

you have to answer the questions.


"Does the 1099R for our Roth Conversion count or not towards the 2020 distributions Turbo Tax is asking about here?"

 

No.   a conversion is not included in the distributions reported on 8606 line 7.

 

 if the value on Dec 31 was zero, enter zero.

distributions are a separate line item so I don't see why TurboTax would ask you to combine the two.

--

Always print a copy of your completed tax return for your records, and review it carefully before e-Filing.
You will need it if you are audited by the IRS, or to amend if a TurboTax update changes your return or for any other reason,

AND, to find your AGI next year.

Level 15
Apr 8, 2022 10:44:57 AM

"Turbo Tax says to include any distributions made in 2020..."  This is a bogus instruction in 2021 TurboTax, mentioned by others as well.  When TurboTax asks for you 2021 year-end balance, do not include any amounts distributed in 2020.

Level 2
Apr 8, 2022 3:12:47 PM

Thank you! Nice to hear others have run across this and concluded it is a flaw. Don't have to keep wondering why a 2020 distribution would impact my 2021 year end value.