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Returning Member
posted Feb 17, 2026 1:52:18 PM

ROTH IRA Contribution Limit Worksheet

I don't think TT is calculating the MAGI on line 1 of this worksheet correctly.

 

The MAGI (for Roth contribution purposes) should subtract both IRA to Roth Conversions and 401(k) to Roth Conversions from the AGI. I had substantial Roth conversions in 2025 that should have reduced my Roth MAGI below the $246k joint threshold.  These Roth Conversions show up on line 4b and line 5b on Form 1040. However, the MAGI on line 1 of the ROTH IRA Contribution Limit Worksheet only reduces the AGI by the amount of the IRA conversion. It does not seem to subtract the 401(k) conversion that increases my AGI on Form 1040 line 5b.

 

Thanks for your help on this.

0 2 180
2 Replies
Employee Tax Expert
Feb 18, 2026 6:39:23 AM

In order to take a closer look at the situation you described, it would be useful to have a diagnostic copy of your tax data file.  The diagnostic file will not contain personally identifiable information, only numbers related to your tax forms.  

 

If you would like to provide us with the diagnostic file, follow the instructions below and post the token number along with which version of TurboTax you are using and what states you are filing in a follow-up thread.

 

Use these steps if you are using TurboTax Online:

 

  • Sign in to your account and be sure you are in your tax return.
  • Select Tax Tools in the menu to the left.
  • Select Tools.
  • Select Share my file with agent.
  • A pop-up message will appear, select OK to send the sanitized diagnostic copy to us.
  • Post the token number here. 

 

If you are using a CD/downloaded version of TurboTax, use these steps:

 

  • Select Online at the top of the screen.
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  • Click OK.
  • Post the token number here.

 

If you are using a Mac version of TurboTax, use these steps:

 

  • Go to the Menu at the top of the screen and select Help.
  • Then, Send Tax File to Agent.
  • Post the token number here.

 

 

Returning Member
Feb 18, 2026 8:47:28 AM

Your token number is: 163540865-00757733

I believe the issue is TT's incorrect handling when using distribution code "G" in box 7 of the 1099-R