Report removal of excess contribution to Roth IRA
Donewell123
Member Posts: 1 Newcomer
in General
I did a invalid rollover to Roth IRA in 2025 and removed the amount plus the earnings in March 2026. How do I report it in a 2025 return since the 1099-R will not be issued until January 2027?
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Answers
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Hello Donewell123,
Since the excess was removed before the tax filing deadline, the earnings are taxable on your 2025 return — even though the 1099-R will not arrive until 2027. We generally recommend that you file your 2025 return without it and then amend the return once you receive the 1099-R in January 2027.
You can also find more detail in this community article:
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