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Level 2
posted Mar 13, 2021 9:21:23 AM

Roth IRA Conversion

I am going to do a Roth IRA Conversion this year (2021) where I rolled from a traditional IRA that was funded from taxed dollars several years ago.  So when I convert, most of the $ should not be taxed since the bulk of the money has been taxed.  There will be a small amount of investment profit.  My question is how do I enter into Turbotax showing the amount correctly so it will not calculate as all needing to be taxed.

 

Thanks in advance.

0 2 525
2 Replies
Employee Tax Expert
Mar 13, 2021 9:57:37 AM

You will receive a Form 1099-R reporting the distribution from your Traditional IRA.  After you enter the Form 1099-R, there will be follow-up questions to answer that will indicate that the distribution was rolled over to a Roth IRA.  

 

Then, after you have finished entering any other Form 1099-R that you may have received, there will be yet other follow-up questions to answer.  One of these will ask if you made non-deductible contributions to your Traditional IRA.  You can answer 'yes' and enter the basis of your Traditional IRA account(s).  This will allow TurboTax to calculate what portion of the rolled-over distribution will be taxable.  So, be sure to have the non-deductible contribution amounts handy when you are working on your return for 2021.

Level 2
Mar 13, 2021 10:05:36 AM

Thanks!  Makes sense.