IRS · United States

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Form 5329: Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts

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Quick answer

IRS Form 5329, Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts, reports extra taxes on retirement and savings accounts — the 10% additional tax on early distributions (or the exception code that waives it), excess contributions to IRAs, HSAs, and similar accounts, and missed required minimum distributions. You file it with your Form 1040, or on its own if you are not otherwise required to file a return. With JustFill you upload the blank IRS Form 5329 PDF, the AI auto-detects every field, you type or dictate your answers, and you download the completed form free.

Form
Form 5329
Issued by
IRS
Country
United States
Cost to fill
Free

What is Form 5329?

Took money out of an IRA or 401(k) early, contributed too much, or missed a required minimum distribution? IRS Form 5329 is where those situations get reported. It calculates the 10% additional tax on early distributions — or documents the exception that waives it — plus the 6% excise tax on excess contributions to traditional IRAs, Roth IRAs, Coverdell ESAs, HSAs, and ABLE accounts, and the additional tax owed when you fail to take a required minimum distribution. JustFill turns the official IRS PDF into a fillable form in your browser: the AI auto-detects every line and checkbox, you type or dictate your numbers, and you download the finished Form 5329 free — no printing or installs.

Who fills out Form 5329?

  • Anyone who took an early distribution from an IRA, 401(k), or other retirement plan before age 59½ and owes the 10% additional tax or qualifies for an exception
  • Savers who contributed more than the annual limit to a traditional IRA, Roth IRA, HSA, Coverdell ESA, or ABLE account
  • Retirees who missed all or part of a required minimum distribution (RMD) and want to report the shortfall or request a waiver
  • People whose Form 1099-R distribution code does not reflect the penalty exception they are entitled to claim
  • Taxpayers filing Form 5329 by itself because they are not otherwise required to file a Form 1040

Field-by-field breakdown

What each section of Form 5329 asks for. JustFill’s AI will detect these fields automatically when you upload the PDF — review the breakdown below so you know what to enter.

Header — Name and SSN

Your name and Social Security Number. Married couples each file their own Form 5329 if both owe additional tax.

Part I, line 1 — Early distributions

The taxable amount of distributions taken before age 59½ that are subject to the 10% additional tax.

Part I, line 2 — Exception amount and number

The portion that qualifies for an exception (disability, certain medical expenses, first-home purchase from an IRA, etc.) plus the two-digit exception code from the instructions.

Parts III–IV — Excess traditional and Roth IRA contributions

Contributions over the annual limit, carried-over excess from prior years, and the 6% excise tax calculation.

Part VII — Excess HSA contributions

Health Savings Account contributions above the annual limit and the excise tax owed.

Part IX — Missed required minimum distributions

The RMD amount you should have taken, what you actually took, and the shortfall. This is also where you request a penalty waiver for reasonable error.

Common mistakes to avoid

  • 1Claiming a penalty exception without entering the correct two-digit exception number on Part I, line 2 — the IRS instructions list the codes, and a missing code can trigger a notice.
  • 2Paying the missed-RMD tax without requesting a waiver — if you missed an RMD due to reasonable error and have since taken it, you can ask the IRS to waive the additional tax in Part IX with an attached explanation.
  • 3Using the wrong year's form. Each tax year has its own Form 5329 with that year's contribution limits — always start from the version for the year you are reporting.

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Frequently asked questions

Yes. Form 5329 is issued by the IRS and is free to download and complete. JustFill provides a free fillable interface — there is no charge to complete the form.
Download the current blank Form 5329 PDF directly from the IRS at irs.gov/forms-pubs/about-form-5329 — it is free. Then upload that PDF into JustFill to complete it online without printing.
Often no. If the distribution code in box 7 of your Form 1099-R correctly reflects the exception, you generally do not need to file Form 5329 for that distribution. File it when the code is missing, wrong, or when you owe tax the payer did not report.
Yes. If the shortfall was due to reasonable error and you have taken steps to fix it, complete Part IX, follow the waiver instructions, and attach a brief explanation. The IRS regularly grants waivers for honest mistakes that were promptly corrected.
Usually you attach it to your Form 1040. If you are not required to file an income tax return, you can file Form 5329 by itself — sign it and mail it to the IRS at the address where you would normally file.

Official source: Form 5329 on IRS’s website

JustFill is an independent product and is not affiliated with, endorsed by, or sponsored by IRS or any government agency. Always verify your completed form on the official version before signing or submitting.