I am trying to make a non-deductible contribution for a backdoor roth IRA. The situation is like this. My husband and I got married in 2024. Before we got married, I contributed directly to a ROTH IRA because my income was lower than the limit. My husband did the backdoor conversion because of his higher income and he got his 1099-R from his brokerage for 2024. Our combined income for 2024 exceeds the limit for a direct roth contribution. After getting married in 2024, I forgot to do a conversion out of Roth to a traditional and then back into Roth. I called my brokerage in 2025 and was able to move my 2024 roth into a traditional IRA back into ROTH again through a conversion. Does my brokerage need to provide a 1099-R? Also when I try to enter the non-deductible contribution in turbotax desktop, it doesn't ask me the question for Did you change your mind in number 9 of step 1. What do I do?? Step 1: Enter the Non-Deductible Contribution to a Traditional IRASign in to your TurboTax account.Open or continue to your return if it’s not already open.Select the Federal Taxes tab (this is Personal Info in TurboTax Home & Business), then Deductions & Credits.Select I'll choose what I work on.On the list of sections, locate Retirement & Investments.Then select Start or Update next to Traditional & Roth IRA Contributions.Check the box for Traditional IRA and Continue.Answer Yes to Did you contribute to a traditional IRA?Answer No to Is This a Repayment of a Retirement Distribution?On the Tell Us How Much You Contributed screen, enter the amount contributed and Continue.Answer No on the screen Did You Change Your Mind?, then answer the questions on the following screens.When you reach the Choose Not to Deduct IRA Contributions screen, select Yes, make part of my IRA contribution nondeductible, enter the amount you contributed, then select Continue.Note: If none of your contribution can be deducted, you will not see the option to make part of it nondeductible. Instead, you will see the message Income Too High To Deduct an IRA Contribution, and the full amount of your contribution will automatically be nondeductible.

Your husband will have to enter the Traditional IRA contribution with the steps you mentioned. If you get "Tell us How much you Transferred" Instead of "Did you change your mind" then leave this blank since your husband did not make a recharacterization. You will have to enter a recharacterization from Roth IRA to Traditional IRA, therefore you need to select "Roth IRA" in the IRA contribution interview: Click on "Search" on the top right and type “IRA contributions” Click on “Jump to IRA contributions" Select “Roth IRA” Answer ‘Yes” on the “Roth IRA Contribution” screen Answer “No” to “Is This a Repayment of a Retirement Distribution Enter the Roth contribution amount Answer “Yes” to the recharacterized question on the “Switch from a Roth To a Traditional IRA?” screen and enter the contribution amount (no earnings or losses) on the next screen. TurboTax will ask for an explanation statement where it should be stated that the original $xxx.xx plus $xxx.xx earnings (or loss) were recharacterized. On the screen "Choose Not to Deduct IRA Contributions" answer "Yes" since you doing a backdoor Roth. If you have a retirement plan at work and are over the income limit it will be nondeductible automatically and you only get a warning and then a screen saying $0 is deductible. You will get a 2025 Form 1099-R for the recharacterization with code R-Recharacterized IRA contribution made for 2024 and this belongs on the 2024 return. But a Form 1099-R with code R will change nothing on your return. You can only report it as mentioned above. Therefore, you can ignore the Form 1099-R with code R when you get it in 2026.

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sesayse92

Question

Did you change your mind?

Forum|Forum|1 year ago
April 12, 2025
1 reply
0 views

I am trying to make a non-deductible contribution for a backdoor roth IRA.

The situation is like this.

My husband and I got married in 2024.

Before we got married, I contributed directly to a ROTH IRA because my income was lower than the limit.

My husband did the backdoor conversion because of his higher income and he got his 1099-R from his brokerage for 2024.

Our combined income for 2024 exceeds the limit for a direct roth contribution.

After getting married in 2024, I forgot to do a conversion out of Roth to a traditional and then back into Roth.

I called my brokerage in 2025 and was able to move my 2024 roth into a traditional IRA back into ROTH again through a conversion.

Does my brokerage need to provide a 1099-R?

Also when I try to enter the non-deductible contribution in turbotax desktop, it doesn't ask me the question for Did you change your mind in number 9 of step 1.

What do I do??

Step 1: Enter the Non-Deductible Contribution to a Traditional IRA

Sign in to your TurboTax account.
Open or continue to your return if it’s not already open.
Select the Federal Taxes tab (this is Personal Info in TurboTax Home & Business), then Deductions & Credits.
Select I'll choose what I work on.
- On the list of sections, locate Retirement & Investments.
- Then select Start or Update next to Traditional & Roth IRA Contributions.
Check the box for Traditional IRA and Continue.
Answer Yes to Did you contribute to a traditional IRA?
Answer No to Is This a Repayment of a Retirement Distribution?
On the Tell Us How Much You Contributed screen, enter the amount contributed and Continue.
Answer No on the screen Did You Change Your Mind?, then answer the questions on the following screens.
When you reach the Choose Not to Deduct IRA Contributions screen, select Yes, make part of my IRA contribution nondeductible, enter the amount you contributed, then select Continue.
- Note: If none of your contribution can be deducted, you will not see the option to make part of it nondeductible. Instead, you will see the message Income Too High To Deduct an IRA Contribution, and the full amount of your contribution will automatically be nondeductible.

DanaB27

Your husband will have to enter the Traditional IRA contribution with the steps you mentioned. If you get "Tell us How much you Transferred" Instead of "Did you change your mind" then leave this blank since your husband did not make a recharacterization.

You will have to enter a recharacterization from Roth IRA to Traditional IRA, therefore you need to select "Roth IRA" in the IRA contribution interview:

Click on "Search" on the top right and type “IRA contributions”
Click on “Jump to IRA contributions"
Select “Roth IRA”
Answer ‘Yes” on the “Roth IRA Contribution” screen
Answer “No” to “Is This a Repayment of a Retirement Distribution
Enter the Roth contribution amount
Answer “Yes” to the recharacterized question on the “Switch from a Roth To a Traditional IRA?” screen and enter the contribution amount (no earnings or losses) on the next screen.
TurboTax will ask for an explanation statement where it should be stated that the original $xxx.xx plus $xxx.xx earnings (or loss) were recharacterized.
On the screen "Choose Not to Deduct IRA Contributions" answer "Yes" since you doing a backdoor Roth. If you have a retirement plan at work and are over the income limit it will be nondeductible automatically and you only get a warning and then a screen saying $0 is deductible.

You will get a 2025 Form 1099-R for the recharacterization with code R-Recharacterized IRA contribution made for 2024 and this belongs on the 2024 return. But a Form 1099-R with code R will change nothing on your return. You can only report it as mentioned above. Therefore, you can ignore the Form 1099-R with code R when you get it in 2026.

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sesayse92Author

My original ROTH IRA contribution was $4,400 in 2024.

When I recharacterized from ROTH to Traditional IRA it was $4,127 on 4/4/25.

I waited until 4/10/25 following the brokerage adviser's direction to convert to ROTH IRA, and the amount had increased to $4,275. likely due to the trump tariff volatility.

What am I supposed to write in the explanation?..

DanaB27

You will enter "The original $4,400 minus $273 loss were recharacterized" for the explanation statement. You will enter $4,400 as recharacterized/transferred to Traditional IRA.

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