No, she cannot do that. She was able to find the code "FTS" and I took it from there. I think there is one person deep within the bowels of the software room who "mostly" understands the rule. That person, however, failed to understand that penalties and interest (form 1040, line 23) are not to be added to the amount of tax paid. So if you have, say, a 10% penalty for early 1099R withdrawals, those penalties, which are on line 23 and add to line 22 to make line 24, are not part of the subtraction. (I had a client yesterday for which the FTS included the interest and penalties on his early 1099R withdrawal.) Interestingly, the software person correctly excluded SE tax, which also goes on line 23, but failed to exclude penalties and interest. But as long as I know that person inside the software room made the error, I am not going to worry about it. I know how to override it.