u/Choice-Tumbleweed207

Hi everyone. Second year living abroad, but first year that my income is solely foreign earned. After filing my 2025 taxes back in April, I realized that claiming the FEIE caps the total amount I could contribute to my Roth and that I had gone over.

My plan is to submit a “Return of Excess Contribution” this week to transfer the over contribution back to my brokerage account. My question is how to I document this to the IRS. Do I have to file a 1040-X for my 2025 return? Or do I only need to report it when I file my 2026 return?

Thanks for your help! I have learned that I will be claiming the FTC in the future to avoid this mess 😅