IRA contribution worksheet line 11 always ask me fill 0 even it should not be 0

[Peter Guan]

Hi Turbo tax expert
i contributed the traditional IRA for tax year 2025 between 2026 Jan and 2026 April, i filled total amount tranditional IRA $X amount, and all $X amount all convert to backdoor IRA at 2026, and no tranditional IRA contriuted at 2024 and prior years, but IRA contribution worksheet always ask me fix the line 11 and set the value to 0. i go to to that worksheet, its value should be from line 9, but line 9 is 0, actually line 9 should be  X. i am not sure where is wrong, i delete the worksheet, and also delete the data of that IRA, quit turbo tax and refill the error is always there. I also try to manually change the line 9 to X, but i can't edit line 9.

Can you please check it?

BTW, i am using MAC version of Turbo TAX

thanks 

[ReneV4]

The reason Line 9 and 11 are triggering an error message is that the "Income" section of TurboTax believes you had a distribution or conversion in 2025.

If you contributed to your traditional IRA for 2025 in 2026, it must be reported on your 2025 tax return. This creates your basis on Form 8606 so you aren't taxed on that money later.

Since you converted in 2026, you will not receive a 1099-R for it until January, 2027, so you will report it on your 2026 tax return next year.

Therefore, report only your Traditional IRA contribution in Deductions & credits this year, following these steps:

1. In the Traditional IRAs screen, enter your total 2025 contributions, plus the same total in the "January 1, 2026 and April 15, 2026" box
2. Did you recharacterize? No
3. Did you contribute more money than was allowed? No
4. Did you have any nondeductible IRA contributions...from 2024? No
5. Deductible contribution elected non-deductible = enter your contribution amount to make it nondeducible (If applicable. Might be skipped based on high income)
6. You should then see, "Based on what you've entered you don't qualify for an IRA deduction"
7. Check Form 8606 to verify your contribution in Line 1, your basis (contribution) in Line 14 and Lines 16-18 should be blank

You will need to delete any Form 1099-R entries that you may have started as part of your original steps, since you will not have the actual document until next year.

[Peter Guan]

Thanks for the reply, i reallized the issue is because I wrongly assume recharactorize same as conversion, after i answer No for recharactorize , everthing is fine.  And the the 8606 form is aligned with what you said. 

btw, i have  my company covered 401K, my company 401k gives me 1099R, so 1099R summary is still there, i didn't delete it.  Hope it is good.

[ReneV4]

If you have a company covered 401(k) and received a 1099-R that is not related, you do not need to delete the 1099-R summary.

The suggestion to delete was only if you had attempted to create a 1099-R as part of your Traditional IRA conversion, so if you're only seeing the 1099-R that should be there, you're set.