请教: 为什么H&R 认为“excess contribution to Roth IRA", 并计算penalty? 

来源: 2023-04-09 20:42:35 [博客] [旧帖] [给我悄悄话] 本文已被阅读:

怎么补救?多谢!

$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.