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Transcript Updated with 846 DDD for 3/14 but WMR Still on Processing
I've been carefully monitoring my tax situation and noticed my transcripts updated last night with code 846 and a direct deposit date of 3/14. My processing date is also showing as 3/14. However, I'm a bit concerned because the Where's My Refund tool is still showing that I'm on PATH. Is this... normal? Should I be worried? I'm working remotely and trying to plan my finances accordingly, so any insight would be appreciated.
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Filing Income Tax for Au Pair - Form 1040NR help needed!
My Au Pair will be heading back to her home country in a few weeks and asked if I could help with her 2024 taxes. I figured it would be simple enough to handle with TurboTax, but I hit a roadblock when I discovered she needs to file form 1040NR as a non-resident, which TurboTax doesn't support. I'm trying to figure out the best approach here. Could I still use TurboTax to calculate all her numbers and income details, then just transfer those figures to the actual 1040NR form? Or would that cause problems and I should just do everything manually from scratch? Having her pay a professional tax preparer seems ridiculous given how little she actually earned and what she's likely to owe. She's been with our family for almost a year and I really want to help her get this handled correctly before she leaves.
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Don't forget to check that the 1099 or W-2 they received has the correct amounts. Our Au Pair's agency initially issued a 1099 with an incorrect amount that included room and board value. Many agencies make this mistake. The correct taxable amount should only include their stipend (usually around $195-250 per week), not the estimated value of housing, meals, etc. Also, make sure you have their foreign address for the tax forms. You'll need the complete international format address for the 1040NR.
This is really helpful! I didn't even consider that the 1099 might include room and board. I'll double check her paperwork right away. Thank you!
You're welcome! It's a common oversight that can significantly impact their tax liability. If you find that the form does incorrectly include room and board value, contact the agency ASAP to request a corrected form. If they won't issue a corrected form (some agencies are difficult about this), you can still file correctly by reporting the full amount from the incorrect 1099, then deducting the room and board portion on the appropriate line of the 1040NR with an explanation statement attached to the return.
Thank you all so much for these incredibly helpful responses! I had no idea there were so many nuances to Au Pair tax filing. After reading through everything, I think I'm going to start by checking her 1099 to make sure it doesn't incorrectly include room and board value like Ethan mentioned - that could make a huge difference. She's from Sweden, so I'll need to look into the US-Sweden tax treaty provisions. It sounds like using one of the specialized tools like Sprintax or taxr.ai might be the way to go rather than trying to muddle through it manually. The Claimyr option for getting direct IRS guidance also sounds promising if I run into any roadblocks. I really appreciate everyone taking the time to share their experiences. This community is amazing! I'll update once we get everything sorted out in case it helps other families in similar situations.
How can I get copies of my tax return documents from previous years after losing them?
I'm in a bit of a panic here. I recently moved apartments and somehow managed to lose all my scanned copies of tax returns from the last few years. I was organizing my files for this year's taxes and realized they're completely gone. I think they might have been on an external hard drive that died or maybe in a folder that got tossed during the move. Either way, I'm freaking out a little because I need some of that information for a mortgage application I'm working on. Is there a way to retrieve copies of these tax documents from somewhere? Does the IRS keep records I can access? I filed electronically for the past 5 years if that helps. Any advice would be super appreciated!
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One thing nobody mentioned - if you're getting tax transcripts for a mortgage, make sure to ask your loan officer EXACTLY which transcripts they need! I got the wrong kind first (tax account transcript instead of tax return transcript) and it delayed my closing by a week. Some lenders also require the Record of Account transcript which is different. Save yourself time and get the right one first!
This is solid advice! My lender needed specifically the "Wage and Income Transcript" to verify my 1099 income, but the loan processor didn't tell me that until after I'd already ordered the Return Transcript. Such a headache that could have been avoided.
I went through this exact same situation last year when I lost all my tax documents in a basement flood. Here's what worked for me: First, definitely try logging into your old tax software accounts - TurboTax, H&R Block, FreeTaxUSA, etc. I was able to recover 3 years worth of returns this way even though I thought they were gone forever. For the IRS route, I'd recommend starting with the free transcripts online first since you need them quickly for your mortgage application. The Tax Return Transcript shows most of what lenders need, and you can get it instantly if you can verify your identity online. If that doesn't work, you can request them by mail using Form 4506-T (which is free, unlike the full return copies). One tip that saved me time - call your mortgage lender first and ask them exactly which years they need and what specific information they're looking for. Some lenders are fine with just the AGI and tax liability amounts, while others need more detailed breakdowns. This helped me avoid requesting more than I actually needed. Also, don't panic too much - this happens to more people than you'd think, and lenders are usually pretty understanding about the process taking a little time to get the documents together.
Yes, if you can verify your identity online through the IRS website, the transcripts are available immediately as PDFs you can download right away. The key is having the right information to pass their identity verification - they'll ask for things like your SSN, filing status, exact refund amount from a recent return, etc. If you can't verify online, you'd have to request by mail which takes 5-10 business days. Two weeks should be plenty of time even if you have to go the mail route, but definitely try the online option first since it's instant. Also, some lenders will accept a "4506-T transcript request confirmation" as temporary proof that you've requested the documents while you wait for them to arrive.
Yes, if you can successfully verify your identity online through the IRS website, the transcripts are available for immediate download as PDFs. The verification process asks for information from your most recent tax return, your SSN, filing status, etc. If that works, you'll have them within minutes. However, if the online verification fails for any reason (which happens sometimes), you'll need to request them by mail using Form 4506-T, which takes 5-10 business days. Two weeks should be plenty of time for either method, but I'd definitely start with the online option first since it's instant. One backup tip - if you're really pressed for time and the IRS route has any hiccups, you might want to call your mortgage lender and ask if they can work with a signed statement explaining the situation while you're waiting for the official transcripts. Some lenders are flexible about this, especially if you can provide other supporting documents like W-2s or 1099s in the meantime.
Processing Date 03/16 on Transcript (PATH Act) - When to Expect DDD?
So my transcript has a processing by date of 03/16 (I'm on PATH) does that mean it should update with a DDD? Filed early and accepted into test batch. Transcript first updated last week to every cycle code except the 846. Trying to understand the significance of this processing date and if I should expect movement soon.
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Based on community tracking of hundreds of PATH returns this season: • Processing date = when IRS plans to finish review (not when you get paid) • Test batch filers typically see longer waits (2-3 extra days) • Missing 846 code means refund not yet scheduled • Weekly updates happen Wednesday night/Thursday morning • Daily updates can happen any day • Most PATH filers with early March processing dates are getting paid next week Check your Account transcript, not just Return transcript. Sometimes 846 appears there first.
I'm dealing with the same processing date of 03/16! Filed on 1/29, accepted same day, and transcript updated last Wednesday with everything except the 846 code. The waiting is brutal when you're counting on this refund. From what I've been reading here and other forums, it sounds like we're in a normal timeline for PATH Act returns. Really hoping to see that DDD this week - fingers crossed for both of us! Have you been checking daily or just waiting for the weekly updates?
Two years of backdoor Roth IRA contributions showing on single 1099-R form - how to properly file?
I just got super confused with my taxes because I made backdoor Roth IRA contributions for two different tax years but they're all showing up on one form. In 2021, I made separate $7.5k backdoor Roth contributions - one for 2020 and another for 2021 tax years. But now I've received a single 1099-R form showing a total of $15k (combining both years' contributions). How do I properly report this in TurboTax so I don't end up getting taxed on the full $15k as if it was all income for one year? I need to make sure the IRS understands that this represents backdoor Roth contributions for two separate tax years (2020 and 2021). I'm worried about getting hit with unnecessary taxes or penalties if I don't file this correctly! Any advice on how to handle this in TurboTax would be really appreciated. I've tried looking through their help section but couldn't find anything specifically about reporting multi-year backdoor Roth contributions that appear on a single 1099-R. Thanks in advance!
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Has anyone actually gotten audited over backdoor Roth contributions? I'm in the same boat with multiple years showing on one 1099-R and now I'm worried. Should I be concerned about red flags if I report this as described above?
I'm a tax preparer and while I can't speak to individual audit risk, backdoor Roth conversions themselves aren't audit triggers when properly documented. The key is consistency between your Form 8606 history and what you report. The most common issue I see is people forgetting they need to file Form 8606 in the year they make the non-deductible traditional IRA contribution, even if they don't convert it to a Roth until the following year. As long as you've been filing Form 8606 each year and can show the paper trail, you should be fine.
I went through this exact same situation last year and want to share what worked for me. The key thing to understand is that the 1099-R is just reporting the total distribution amount - it's not determining your taxable income. Here's what I did in TurboTax step by step: 1. Enter the 1099-R as a Roth conversion (not a regular distribution) 2. When TurboTax asks about your basis, you'll need your Form 8606 from 2020 AND the one you'll file for 2021 3. The 2021 Form 8606 will show your total basis from both years ($15k in your case) 4. This should result in zero or minimal taxable income since you're converting non-deductible contributions The critical part is making sure you filed Form 8606 for 2020 when you made that contribution. If you didn't file it, you might need to amend your 2020 return first. Also, keep excellent records - bank statements showing the contributions, conversion confirmations, and all your Form 8606s. The IRS wants to see a clear paper trail that these were legitimate backdoor Roth strategies, not attempts to avoid taxes on deductible IRA contributions. Don't stress too much about the single 1099-R - this is actually pretty common when conversions happen across calendar years but get processed together.
You can check if you filed Form 8606 for 2020 by looking at your tax return from that year - it would be included with your other forms. If you used tax software, you can usually log back into your account and view your filed return. You can also request a transcript from the IRS online at irs.gov which will show what forms were filed. If you didn't file Form 8606 for 2020, you'll need to amend that return using Form 1040X. It's not super complicated, but it does add some time to the process. The good news is that if you made a non-deductible traditional IRA contribution, filing the missing Form 8606 usually doesn't change your tax liability - it just establishes your basis for future conversions. I'd recommend handling the 2020 amendment first before dealing with your current year's return, since you need that basis information to properly report your 2021 conversion. A tax professional might be worth consulting if you're feeling overwhelmed - they can help ensure everything gets filed correctly and in the right order.
You can check if you filed Form 8606 for 2020 by looking at your tax return copy or accessing your IRS transcript online through the IRS website. If you used tax software, you can also log back into your 2020 return to see what forms were included. If you didn't file Form 8606 for 2020, you'll need to amend that return using Form 1040X. It's not overly complicated, but it does add some steps. The good news is that if your 2020 contribution was non-deductible (which it should be for a backdoor Roth), amending probably won't change your tax owed - you're just adding documentation. Many people miss Form 8606 their first time doing backdoor Roth contributions, so don't stress too much about it. The important thing is getting it corrected so your 2021 return will be accurate. If you're uncomfortable doing the amendment yourself, this might be worth consulting with a tax professional to make sure everything is handled correctly.
Paolo Bianchi
I've been tracking IRS deposit patterns for exactly 3 years now, and I've noticed that the 846 date is accurate for 97.2% of direct deposits. The only exceptions I've seen were during holidays or weekends. Since March 14th is a Thursday, you should receive your deposit either on that exact date or potentially 1 day earlier if your bank processes government deposits early (like Chime or Capital One sometimes do). The WMR tool updates exactly 24-72 hours after transcript changes in most cases.
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Alina Rosenthal
Congratulations on getting your 846 code! That's definitely the confirmation you've been waiting for. I went through this exact same situation about 6 weeks ago - transcript showed 846 with my DDD, but WMR was stuck on "still processing" for almost 4 days after. It's frustrating because you want that final confirmation, but everyone here is right that the transcript is your most reliable source. My refund hit my account exactly on the DDD as promised. Since you're working remotely and planning finances, you can pretty confidently count on that 3/14 date. Just maybe don't schedule any major payments for that exact day in case your bank takes an extra business day to post it.
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