Where do I submit 2025's post tax traditional IRA contributions (Form 8606) when I am filing in 2026?

[AlmostCool13]

I created a Traditional IRA in 2025. I do not have a way to contribute pretax money to the traditional IRA so all the money is post tax money. I am trying to find where to input Form 8606, but the only instance that comes up to me says for 2024 or prior years (see below). Is this a typo and should say 2025 or do I need to wait until 2027 when I am filing 2026's return to note 2025's non deductible IRA contributions (like how im see 2024 on 2025's return here in 2026)? At the end it says my Total Contribution "$X dollars" and Amount Deductible is "$0" so did I do it right, or am I still somehow missing Form 8606. Am I just not seeing the back end of the creation of Form 8606 right now?

[MindyB · Accepted solution]

No, this is not a typo.  This is for the basis tracking in the Form 8606.  Earlier in the interview, there is a section entitled (Your Name's) Traditional IRAs. Here, enter the total 2025 traditional IRA contributions, even if they were non-deductible. 

If your income is too high, this will automatically be nondeductible.  Otherwise, you have the option to designate the contributions as nondeductible, later in the interview.  The screen will be again titled (Your Name's) Traditional IRAs, and in the box Deductible contributions elected non-deductible, enter the amount of contributions you'd like to be nondeductible.

[AlmostCool13]

I do make above the $89,000 MAGI threshold, okay so thats what that means. Thank you, especially for how fast your response was!