Form 5329 reports additional taxes on IRAs, other qualified retirement plans, modified endowment contracts, Coverdell ESAs, QTPs, Archer MSAs, or HSAs, according to the IRS. It is filed with your return in most cases. RepeatForm reuses your name, social security number and address year to year; amounts never carry. Upload last year's form and a blank, then review.
Tested with the irs.gov edition dated 2025
Plainly: Form 5329 is one person's form for one year, so the benefit of reuse is mostly the identity block that repeats every year. If you and your spouse both have to file it, the IRS instructions say "complete a separate form for each of you," so the same approach works for each spouse's own copy.
irs.gov says "Use Form 5329 to report additional taxes on IRAs, other qualified retirement plans, modified endowment contracts, Coverdell ESAs, QTPs, Archer MSAs, or HSAs." The form is organized in parts, for example Part I, "Additional Tax on Early Distributions," Part III, "Additional Tax on Excess Contributions to Traditional IRAs," and Part IV, "Additional Tax on Excess Contributions to Roth IRAs." RepeatForm does not work out any amount on it.
The IRS instructions say "You must file Form 5329 if any of the following apply" and then list the cases. The form itself notes that if you only owe the additional 10% tax on the full amount of early distributions "you may be able to report this tax directly on Schedule 2 (Form 1040), line 8, without filing Form 5329." Whether either applies to you depends on your facts: read the instructions or ask a qualified adviser.
The instructions say "File Form 5329 with your 2025 Form 1040, 1040-SR,1040-NR, or 1041 by the due date, including extensions, of your tax return." If you do not have to file an income tax return, they say to file it by itself, and that "If you file Form 5329 by itself, then it can't be filed electronically." In that case the form has its own signature and date lines on page 3.
Upload the Form 5329 you completed and this year's blank; RepeatForm carries the matching answers across; you review them, then preview the PDF before you export. The form is year-specific, so line 9 asks you to "Enter your excess contributions from line 16 of your 2024 Form 5329": check any line that points back to a prior year against that year's form yourself.
The IRS publishes a Form 5329 for each tax year. Carrying a prior year's copy into the new one works for many answers, but some fields are renamed or moved and match only partly, so check every line on the new year's form in Review before you export.
Upload the two versions, check what matched, then inspect the finished PDF before paying.
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The IRS says to file Form 5329 with your Form 1040, 1040-SR, 1040-NR or 1041 by the due date, including extensions, and that "If you file Form 5329 by itself, then it can't be filed electronically." Filed with a return, it goes with the return in the way your return is filed. RepeatForm does not file for you.
Form 5329 has a part for each kind: Part III is "Additional Tax on Excess Contributions to Traditional IRAs" and Part IV is "Additional Tax on Excess Contributions to Roth IRAs." The IRS instructions explain the rules for each part. RepeatForm does not work out whether you have an excess or what you owe.
RepeatForm cannot advise on that. The form says Part I is where you "indicate that you qualify for an exception to the additional tax on early distributions," by entering "the appropriate exception number from the instructions" on line 2. The IRS instructions list the exceptions; a qualified adviser can say whether one fits you.
You can reuse your name, social security number and address, where they match. Every amount and choice describes one year, so enter them again and check every line on the new form in Review. Lines that point to last year's form, such as line 9, should be checked against that year's form yourself.
