How do I take off the savers credit? it is making me upgrade for $39.95 if I have it on and the credit is only for $10. Obviously makes no sense to take the credit

[AlanT · Accepted solution]

IF YOU DO NOT WANT RETIREMENT CREDIT.

If you do not want to take the Retirement Savings Contribution Credit, you will have to tell TurboTax that you were a full-time student in 2018.  If you have 401K contributions on your W-2 or any IRA contributions, TurboTax knows you qualify for the credit which is reported on Schedule 3 and requires an upgrade to Deluxe.

To get around this, you can tell TurboTax that you were a student.  Being a student will disqualify you for the credit and TurboTax will not force you to upgrade.  But you won't get the credit either.  To do this:

Go back to the Retirement Savings Contribution Credit interview and answer YES to 'Did you make contributions in 2018?' and 'Were you a full-time student?' questions.  You do not qualify for the credit if you were a full-time student in 2018.  And if you don't qualify, TurboTax will remove the credit.  To get back there, go to Deductions & Credits or type ''saver's credit'' into the search bar, and use the Jump To link.