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The basis of retirement income is reported in Box 9b of Form 1099-R.

If nothing is reported in Box 9b, check to see if the amount is the same in Box 1 and Box 2a. If so, then you have no basis (after-tax contributions), and your basis is zero.

If Box 2a is blank and Box 2b is checked, then you are going to rely on your memory and your records.

For a traditional IRA, you would have a basis if you made after-tax contributions. Those would be reported on form 8606. If you don't recall making any after-tax contributions, or if your IRA consists entirely of rollovers from 401k or 403b accounts, then your basis is zero.

If this was an annuity you purchased on your own, your basis is the amount you paid for it.

For all other circumstances, you will have to check your records to see if you made after-tax contributions to the plan.

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This is the simple answer I was looking for... Ironically it did not come up in my searches of TurboTax help... Thanks!

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For PA income tax purposes, the above is totally irrelevant it only applies to federal.

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Thanks re2boys for the quick response! So, if I didn't make any contributions in 2017, is it safe to assume my basis is $0 ?

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Are you referring to basis for PA income tax?If so, you include all contributions EVER made to the retirement account less any distributions EVER received in the past.

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Sorry -- just saw your other answer to this question... This is an IRA with one initial contribution and nothing since. So I take that original contribution amount and subtract any distributions I took prior to 2017, and that's my basis?

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