The 'IRA Info Wks' seems not to be editable. How can I enter after-tax $ for a Roth conversion, in TurboTax's step-by-step instructions?

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February 12, 2025
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Did a Roth conversion from a Rollover IRA - some $ from which were after-tax contributions (from a 401k, rolled into it previously).

AnnetteB6

You may see a follow-up question about tracking non-deductible contributions in your IRA after you have entered the Form 1099-R reporting the distribution from the Traditional IRA (which was converted to the Roth IRA).

If you do not see that questions, then you will enter the basis (total of your non-deductible contributions) of the Traditional IRA in the Deductions and Credits > Retirement and Investments > Traditional and Roth IRA Contributions section of your return.

As you get started in that section, check the box that you have a Traditional IRA and go through the screens until you see a question about 'any non-deductible contributions' to your IRA. Check 'yes' and then enter the total basis of the account as of the end of the year. Remember, this is only asking for the contributions that were made, not the total value of the IRA.

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Dave_LAuthor

Thanks for your quick, and informative response to my question! Please see my comments (and additional questions) below.

"You may see a follow-up question about tracking non-deductible contributions in your IRA after you have entered the Form 1099-R reporting the distribution from the Traditional IRA (which was converted to the Roth IRA). "
-- I only get Qs about non-deductible contributions, if I enter an amount in box 9b for 2024's 1099-R form; which I'm reluctant to do since it's blank on the actual form.

"As you get started in that section, check the box that you have a Traditional IRA and go through the screens until you see a question about 'any non-deductible contributions' to your IRA. Â Check 'yes' and then enter the total basis of the account as of the end of the year. Â Remember, this is only asking for the contributions that were made, not the total value of the IRA. "

-- This is where it gets complicated (and confusing?). I have made non-deductible traditional IRA contributions (tracked on Form 8606, and in TurboTax) in prior years; but want to "keep" those until I start taking RMDs at age 73. Besides, these were after-tax contributions to a 401k (that was rolled into a Rollover IRA) - I have a 1099-R from 2018 documenting this. The only way I see in TurboTax to reduce taxes on this year's partial distribution from the Rollover IRA (and converted to a Roth), is to enter these after-tax (and therefore non-taxable) 401k contributions in box 9b (documented by supporting details; the 1099-R from 2018 maybe). But having a "mis-matched" 1099-R for 2024 (again, box 9b is blank) would be a red flag to IRS - do you agree?

-- Btw, I plan to do this (Roth conversions from this Rollover IRA) several more times; so, I'd like to do it in a way that's repeatable (and correct, obviously).