tl;dr: If I change "Amount of these regular contributions for 2025 you contributed between January 1, 2026 and April 15, 2026." from $0 to $7000, it decreases my federal refund by a few dollars. Not a big deal, just curious why it does that.
I am currently using TurboTax 2025 to record my 2025 backdoor Roth Conversion I did in Q1 2026. After inputting in my 1099-R, my federal refund amount was the same before and after so I believe that's been implemented correctly. When I go into deductions & credits for IRA, I input in Total 2025 traditional IRA contributions for $7,000 and then I put in $7,000 for the "Amount of these regular contributions for 2025 you contributed between January 1, 2026 and April 15, 2026." since I contributed in Q1 2026. Some reason by changing that number from $0 to $7,000 is decreasing my federal refund by $2. Any ideas why?
Not overly concerned, just curious what is going on and what I'm missing.
Question: Why is my Backdoor Roth IRA Conversion "Amount of these regular contributions for 2025 you contributed between January 1, 2026 and April 15, 2026" amount affecting federal refund?
byu/kakayurawr intax
Posted by kakayurawr
2 Comments
Did you do any Roth conversion or traditional IRA withdrawal in 2025? Did you have any balance in your traditional IRA(s) on 12/31/2025?
The best way to see what is going on would be to download the PDF draft of your tax return before and after making this change to your input, and compare the Form 8606 results.
If you have a 1099-R in-hand, it can’t be for a conversion you did in Q1 2026 because those haven’t issued yet and won’t be until next tax season. Was this the first Roth conversion you’ve ever done or have you been doing backdoor Roth for years?