請教： 為什麽H&R 認為“excess contribution to Roth IRA", 並計算penalty？

怎麽補救？多謝！

$7000/year contributed to traditiona IRA every year including 2022, and conversed to Roth IRA

For the tax year 2021, I made the contribution of traditional IRA and conversion to Roth IRA in April 2022. However, in April 2022, for some reason (could not remember) , i recharaterized $6738 to Traditional IRA. 

For Tax year 2022, I made  the contribution of $７０００ to traditional IRA and conversion to Roth IRA in Jan 2023.

When I was filing the return for 2022,  H&R thinks I contributed (excess) $7262 to Roth IRA, and calculates penalty of $436.

 

 

所有跟帖： 

• 放Roth IRA也是有收入限製的，modified adjusted gross income (MAGI) -Stillbelieve- ♀ (322 bytes) () 04/10/2023 postreply 04:11:18

• 謝謝！ 我放到traditional IRA 的錢是稅後的， 然後轉入Roth IRA的。 這個也有收入限製嗎？ -石榴- ♀ (0 bytes) () 04/10/2023 postreply 08:04:44