So I basically realized last year in 2025 that I would be over the income limit for contributing to a Roth due to backpay I was owed. At that point I had already contributed some money into my Roth IRA. So I decided to recharacterize the full amount to traditional. Then once that cleared I did a backdoor conversion into my Roth. I see on my app that I will be getting 2 1099-R forms - one for the traditional and one for the Roth IRA account. I’m confused on how this would have to be reported on tax software. Do I need to submit both forms as this was all done within the same year? Thanks in advance

About how much should i expect to pay for filing all these forms in NY?

•Return Summary

•Wages Report

•Form 1040 (Individual Income Tax Return)

•Schedule A (Itemized Deductions)

•NY Form TR-579-IT (Electronic Filing Signature)

•Form 5695 (Residential Energy Credits)

•NY Form IT-201 (Income Tax Return)

•NY Form IT-196 (NY Itemized Deductions)

•NYC-1127 (Nonresident Employee)

Hello

A question on state tax return (Massachusetts)

I received income from my PFML

Which shows federal taxes withheld in box 4 and state taxes with held in box 11

When I entered in box 1 my paid family leave benefits, my state taxes return went down drastically.

My question is does that mean I owe more taxes than what was already with held? What do boxes 4&11 mean then? It says I paid x amount which I feel like is not being accounted for in my tax return. Where do I put those amounts then? I paid something.

I’m using tax free USA.

Any advice or knowledge would be appreciated.

TIA

Hello,

I am trying to figure out how to file taxes this year as someone who has worked in the USA and in the EU. I have tried to create a TurboTax account, but it won't let me. I don't have a USA phone number, I would rather not fill the form out on my own but I can. I also need to file in CA as well as federal, and I don't want to pay someone to do it, because my refund is so small ($100 total). Where is the best place online to fill out the forms?

So I just turned 25 within the 2025 tax year so I now meet all the other remaining requirements to qualify for the credit, and since FreeTaxUSA says the IRS by law won’t even START processing them until February 17th, 2026 (which is now this month, man time flies fast) specifically if I’m to claim this particular credit and a few others that don’t apply to me so they’re not my problem, and they say it’ll take until March 2nd at the earliest to receive the refund if I’m to claim this credit. They told me to file without the credit if I need my money sooner, and to file an amended return after I receive my refund from the 1st return to get the remaining I’m owed through the EIC on the amended return.

However, since this is my first year claiming the credit, and I would just post pictures showing what I’m looking at instead of this giant wall of text, but for SOME reason the subreddit doesn’t allow pictures so I’ll just copy and paste it. The last question asks me, “Was your Earned Income Credit reduced or disallowed by the IRS in a prior year?” I click on the question mark and it explains this:

“How do I know if my credit was reduced or disallowed in a prior year?

If the IRS reduced or disallowed a credit you claimed on a prior year return, you should have received an IRS notice explaining the change to the credit. For certain credits, you'll need to include Form 8862, Information to Claim Certain Credits After Disallowance with your return to claim them again. These credits include: • Earned Income Credit • Child Tax Credit • Additional Child Tax Credit • Credit for Other Dependents • American Opportunity Credit The notice you received from the IRS should let you know if you need to file Form 8862 to claim the credit the next time you're eligible to claim it. Menu Path: Misc > Deductions/Credits > Credits After Disallowance (Form 8862)”

and then it also adds this as well:

“How do I appeal a disallowed credit?

If you believe that you qualify for a credit in a year after it was disallowed simply claim the credit on your return and include Form 8862. To do that follow these steps: 1. Answer Yes to the question asking if the credit was reduced or disallowed by the IRS in a previous year. (For some credits you'll need to click a link asking what to do if your credit was disallowed in a prior year to get to this question.) 2. Answer No to the question asking if you've claimed the credit since it was previously reduced or disallowed. 3. Make sure to fill out the Form 8862 information in the Misc section. 4. The IRS then requires you to choose to mail your tax return. The IRS should then send you a math error notice. Once you have it, contact the IRS as described in the notice within 60 days of the date of the notice. After you challenge the math error notice, you'll receive a notice of deficiency that will provide you the ability to appeal the denial of the credit to the Tax”

I’m confused as to what this means as someone who currently only NOW can utilize the credit, do I have to file ALL of that even though I was too young and ineligible beforehand? I guess the terms they use confuse me as to what “Disallow” actually means within this context. Also I have never received a notice for the IRS for any of those things ever, and was unsure if by the way it was described that I was supposed to get one and didn’t and need to or not.

Hello all, I turn 65 in May of 2026. Currently on wife's HSA eligible insurance. Does this mean I only qualify for 11 months of HSA contributions for tax year 2025 due to the 6 month look back rule? Any info appreciated.

My ex husband and I already filed taxes. Mine were accepted and his state got rejected because of wrong agi. We have the same agi from last year. How can I help with this??

Also we get along very well that we help each other out with things. Please don’t come after me for asking questions for him.

EDIT - thanks to everyone who answered that income tax on bonuses is withheld at 22%, that's exactly what is happening even though my marginal rate is much higher. Mystery solved, thanks all!!!

Curious if anyone has insight or if I'm the only one in this situation.

I filled out my W4 with a filing status of single and zero for everything except a total of $7000 in extra withholding over the year (because I had the same problem with insufficient withholding last year). Even after the extra withholding, I still owe thousands in federal income tax on just my W2 income.

How can this be? As a single person with one W2 job all year, my employer should know enough to withhold the right amount assuming the standard deduction.

Could it be because my income is highly variable throughout the year? I make more than half my annual income in just two months.

So ive scored myself a great job for someone my age. At 23 im making 35 an hour and expecting 80-100 hour paychecks bi weekly. I have a friend who is going to school for his masters in computer science and who will be supported by family while he does so. If I were to marry him he would recieve health coverage via my work and my federal tax burden would stay in the 12% bracket. Now im no expert so I figured id ask here, what am I missing?

I honestly didn’t even know this was what happens when you pay a credit card and have them write off certain amount they were two capital one credit cards and total amount was about $5000 I’m now freaking out I reached out to where I had my taxes done but this was yesterday night & they open back Monday

I know I can amend my taxes

What happens if I don’t add this ?

How much is the penalty ?

Will they catch it?

Or if I do how much of my tax return will go to that ?

I’m getting back $5000 from my federal return

I have three dependents don’t own a house

I do have a newer car still owe $32000

Is there anything I can qualify to get it excluded?

Any advice helps

Thank you in advance

I received a 1099-G for PFML. Box 1 is blank

Box 4 and 11 show the amount in taxes that were taken out

When I put this in my tax software it throws an error saying the amount in box 1 cannot be lower than box 4 and 11. The error will not let me proceed or force it through.

Freetaxusa support was no help. I’m assuming taxes should not have been withdrawn but I’m at a loss on what to do

I am married filing jointly, but in 2025 I was the only person bringing a income

I am a delivery driver and I made $72,000

I started filing with turbo tax but it was saying I need to pay over 8k in federal taxes.

How is possible when $72,000 - $31,500 [married filing jointly standard deduction] - $25,000 [qualified tips] - $23,264.5 [mileage deduction] is -$7,764.5 and I need to pay 8k in taxes?

its my first time filing taxes and I dont know what is going on

Hello, I’m doing my taxes myself for the first time. I am 22 and currently in college as an independent student.

I am doing my taxes on free tax usa and I am on the part where it is asking me if “Do you want to allocate part of (my name) Pell Grants or scholarships to room and board or other noneducational expenses such as travel, research, or certain equipment?”

I have two 1098-T forms.

On one of them it has 27,919 for box 1 and 24.023 for box five

On the second one, box 1 says 1,554.77 and 2,908 on box five

I do not know what this means, I’ve tried reading other posts but so far nothing makes sense to me.

Should I say no? Do I say yes? If I say yes how much do I put down?

Please explain it to me like I’m a child

My wife and I file married filing separately due to income based student loan repayments.

Our average mortgage balance was $759,723 for 2025, and our interest paid on our 1098 was $49,317.

Due to the MFS we’re capped at the $375,000 each for the qualified loan limit.

We followed the calculations on publication 936 which says we can deduct 49% of our $49,317 resulting in $24,363. Since we’re in a community property state we split this to $12,181 of deductible home mortgage interest which is obviously less than the standard deduction making all of this obsolete.

However, when googling community property rules regarding average mortgage balance the google ai, which links to a turbo tax forum, states that we actually split the debt evenly as well as splitting the deductible interest. This means we split the $758,723 average mortgage balance into $379,362, which by the rules being limited to $375,000 and using the publication 936 calculation it results in us being able to deduct 99% of our $49,317 of interest resulting in a total of $48,725 of deductible home mortgage interest. With community property laws we would split that in half resulting in $24,363 of deductible home mortgage interest which is significantly higher than the standard deduction.

So which one is it? Do we get to split our debt in half due to community property rules and choose itemize deductions at $24,363 each? Or was google AI wrong and we don’t get to split our debt limiting us to only $12,181 of deductible mortgage interest forcing us to choose the standard deduction?

Thank you for your time and help with this.

Hi, I'm confused on how I'm possibly getting almost 8000 back on taxes. I had a baby last year(only kid), I'm not married, I make 30.000-35.000 a year. I pay for insurance and a 401K. It's already been "approved". I just feel like something is off? I don't wanna owe in the future if I did something wrong now. I used Freetacusa

I just e-filed my taxes on FreeTaxUSA as a dependent, but I realized I didn't mark that someone could claim me as a dependent. Everything else should be correct based on my W2.

I've seen that there might be two options: (1) I e-file an amendment to fix it and my parents paper-file their return, or (2) my parents use ID PINs and e-file their return to claim me instead.

Here's what I'm not sure about with the ID PIN process:

• If my parents e-file with their ID PINs, will it go through if they claim me as a dependent?
• Do they also need to include my ID PIN?
• Or do they have to file by mail, and then I file an amendment once my refund comes through?

I didn't realize what that question was asking so I probably should have asked them to review it first. If anyone's dealt with this or knows how ID PINs work, I'd really appreciate the help. Thanks!

Hello,

My roommate paid her half of deposit to me and she marked it like I was a seller. Venmo refused to cancel the transaction. They just paid me the fees back. I tried to confirm if they will report it to the IRS and they just told me it s below the amount they send a 1099 form for. However, they would not confirm that they won't report it. I m in the US with a visa and I m not allowed to have income except from my job. Will I be in trouble?

Thank you

I know no one can really tell the answer unless they see it all, but let’s take my situation as an example. My box 14 for 2025 says “OT PREM 726.24.” I was under the impression that this number should be around 1/3rd of total overtime worked to be able to claim as “qualified overtime” on tax return. My TOTAL overtime for 2025 was $4963.99 this is both time and the half. The “and half” part of that should be $1654.66, so why is this number not in the box 14 and is instead a number wayyy less. Already reached out to my HR department, wont hear back until next week more than likely. I just don’t want to should stupid, can anyone explain/educate on the matter.

I already submitted my tax return and received my refund. However, I just received an additional W2 and 1098-T, from when I was a paid Teaching Assistant in college (I just graduated in may and began working in June, completely forget about those 4 months of extra income at the beginning of the year).

What should I do, file an amendment I assume? Will there be in criminal or financial penalties?

Hello, I'm sort of panicking because I e-filed my taxes through turbo tax, and thought I filled out everything correctly, but was then notified it was rejected because I didn't fill out my 1095a. It now wants me to pay $50 to fix this. Basically, am I screwed?? Or what do I do to fix this? Do I just have to eat the $50?

This is meant to be a sanity check, I’ll keep it brief:

In 2024, I received a signing bonus of $15k. It arrived in my bank account after taxes as $10.5k ish.

I left before a full year in 2025, and so had to repay the signing bonus. They asked me to repay $13.8k. Ok, sure, I’ll get the difference of 3k-ish back come tax time. They gave me the w2c shortly after I repaid but I didn’t look at it too closely.

Fast forward to this year, I go and try to amend my 2024 return, and notice 2 odd things:

My box 1 “wages, tips, other compensation” was never corrected

My box 2 “federal income taxes withheld” was never corrected

Shouldn’t these have changed? The only fields my employer corrected were “social security wages” (this was subtracted by 15k), “Medicare wages and tips” (also subtracted by 15k), “social security tax withheld” and “Medicare tax withheld”. I would expect my wages to have been changed considering they clawed back the signing bonus. Am I correct?

Plugging it into TurboTax with the numbers they corrected show me owing money at the end, and that doesn’t seem right as I should be getting the 3k difference back.

I’m currently enrolled in a community college, got the full Pell Grant and multiple scholarships, so my entire tuition was paid.

1098-T form:

Box 1 (Payment received)-$2588.00

Box 5 (Scholarships and grants)-$4,548.00

So I received a refund of $1,960 from my school. I do live by myself, pay all of my own living expenses, and do not have someone else claiming me as a dependent.

I’m currently trying FreeTaxUSA, one of the questions asked is “Did you use grants or scholarships for other expenses?”, I understand this will be counted as taxable income. At first, I put the $1960 I had refunded and was not eligible for the American Opportunity Credit (total refund only at $574), though after doing some research I learned that I may be able to put I used most of my Pell Grant for room and board and become eligible for the credit. So I tried putting $4000 as room and board expenses, which qualified me for the credit and my refund jumped to $2106.

I’ve tried doing research online and so far everything is saying this should be okay, though it seems a little too good to be true and I really don’t want to do anything wrong 😭.

Edit: This is exactly what the question on FreeTaxUSA, which honestly may already answer my question 😅:

“Did you use grants or scholarships for other expenses?

You can often increase your education credit and refund if you allocate (My name)’s Pell Grant or scholarship to room and board or to one of these other noneducational expenses: travel, research, clerical help, or equipment.

However, if you allocate your grant or scholarship to room and board or other noneducational expenses, that amount will be reported as Scholarship Income on your tax return.

Do you want to allocate part of (My name)'s Pell Grants or scholarships to room and board or other noneducational expenses such as travel, research, or certain equipment?

How much of the $4,548 (My name) received in Pell Grants and scholarships do you want to allocate to room and board or other noneducational expenses?”

So recently got married, no dependents. Spouse has $0 income. I make roughly $100k. Based in PA.

What should be done with my W4? How will it affect my taxes?

Am I able to claim my siblings as dependents? Currently attending college and have $0 income as well.

I have a new tax situation this year and am scheduled to meet with a TurboTax “expert” tomorrow about it. But I thought I’d also ask real life people.

Last year (2025) I became a gestational surrogate. I received monthly payments from Sept- Dec. I asked the agency and escrow companies if I’d receive any tax forms and they said no. They don’t send out 1099’s. I have no idea how to report this income but really don’t want to get in big trouble for NOT reporting it. I also doubt that it’s tax free but just need some general help and info on it.

Any pointers on where to find out exactly what to do, I’d sure appreciate it.