I finally got it to work. Not sure how I did it, may be back with more questions later. Thanks so much. Bob
<http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail> Virus-free.www.avg.com <http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail> <#DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2> On Thu, Jun 4, 2026 at 2:30 PM <[email protected]> wrote: > Send gnucash-user mailing list submissions to > [email protected] > > To subscribe or unsubscribe via the World Wide Web, visit > https://lists.gnucash.org/mailman/listinfo/gnucash-user > or, via email, send a message with subject or body 'help' to > [email protected] > > You can reach the person managing the list at > [email protected] > > When replying, please edit your Subject line so it is more specific > than "Re: Contents of gnucash-user digest..." > > > Today's Topics: > > 1. Re: GnuCash and Roth 401(k)/IRAs (David Warren) > 2. Re: GnuCash and Roth 401(k)/IRAs (Stephen M. Butler) > 3. Re: GnuCash and Roth 401(k)/IRAs (David T.) > 4. Re: gnucash-user Digest, Vol 279, Issue 8 (Robert Putman) > > > ---------------------------------------------------------------------- > > Message: 1 > Date: Thu, 4 Jun 2026 12:02:24 -0400 > From: David Warren <[email protected]> > To: Clint Chaplin <[email protected]> > Cc: "David T." <[email protected]>, Gnucash Users > <[email protected]> > Subject: Re: [GNC] GnuCash and Roth 401(k)/IRAs > Message-ID: > < > cad5z54dc3xqgokzkyunnjwf7i59pelpb1y889eshfxdobin...@mail.gmail.com> > Content-Type: text/plain; charset="UTF-8" > > If you want rules-based "keeping track", I don't think GC is the place for > that. Of course, depending on the complexity you are comfortable with, you > could elect to track an individual Roth IRA with multiple sub-accounts, > including Contributions, or even two accounts for Contributions older than > 5 years, more recent Contributions, or even year by year contributions, and > then at the end of each year time period, credit and debit multiple > sub-accounts. I won't do that, but you certainly could. > > On Thu, Jun 4, 2026 at 11:58?AM Clint Chaplin <[email protected]> wrote: > > > Roth distributions MAY be taxable under certain conditions. > Contributions > > are always non-taxable when distributed. Roll-overs and conversions when > > distributed may be taxable. And earnings when distributed may also be > > taxable. The taxability depends on age of the contributor (59 1/2 or > > more), age of the contribution (5-year rule) > > > > The IRS has rules about where distributions come from: contributions > > first, then rollovers and conversions, and then earnings. > > > > Thus my question about keeping track of contributions vs. > > rollover/conversions vs. earnings in GnuCash, and if so, how. > > > > On Thu, Jun 4, 2026 at 3:46?AM David Warren <[email protected]> wrote: > > > >> I track Roth IRAs and my Roth 401(k) the same way I do all of my other > >> broad investment / brokerage accounts: > >> > >> Contributions credit the bank account and debit the Roth IRA. > >> At some periodicity (could be every 3, 6, or 12 mos), I change the > >> investment balances, which in a rising stock market has typically meant > >> debit the Roth IRA, credit Income:Nontaxable Investment Income. (I > >> understand other people may prefer a different credit account; this > works > >> for me for tracking. David T says below "earnings are tracked in > separate > >> income accounts for tax tracking purposes. Note that *nothing *on Roth > >> IRAs needs to be 'tracked' or reported in the USA, but perhaps David T > >> means "separate" from his/my *other *income accounts that do need to be > >> reported.) > >> > >> When I eventually take distributions, no, I won't make "extra" entries > to > >> track for the IRS, I will simply credit the Roth IRA account and debit > the > >> asset account where I have sent the distribution. > >> > >> Note that this is less involved than what I would do if I had REGULAR > >> IRAs or 401(k)s, as there I would be tracking eventual tax liabilities > on > >> growth in those accounts, and then when I eventually take Required > >> Distributions, then the portion of the distribution that is taxable I > would > >> track into a taxable income account. Here's an example for a REGULAR > IRA. > >> Say the account balance was $500,000 at 2029-12-31 and I was required to > >> withdraw 5% of it per the tax code in 2032. When I take that $25,000 > >> required withdrawal, I would record it as: > >> > >> Credit Regular IRA $25,000 > >> Debit Brokerage Account $25,000 [these two record the transfer of > assets] > >> Credit Income:Taxable:IRA withdrawal $20,000 [this presumes a > calculation > >> that my tax basis in the IRA as of the withdrawal date was 100,000, or > 20% > >> of the balance] > >> Debit Income:Nontaxable:IRA Deferred Growth $20,000 > >> Credit Liabilities:Taxes Due this year $8,000 [at 40% tax rate] > >> Debit Liabilities:Deferred Taxes on IRAs $8,000 (this account would have > >> been credited every year as the IRA grew from investment earnings) > >> > >> > >> On Thu, Jun 4, 2026 at 2:29?AM David T. via gnucash-user < > >> [email protected]> wrote: > >> > >>> Clint, > >>> > >>> I don't see any other replies, so... > >>> > >>> Our family has four Roth accounts-- one each for an IRA and an employer > >>> retirement plan. I track all the contributions and earnings for those > >>> accounts* (we haven't yet taken distributions **). That way, I can see > >>> generally what our retirement savings look like. > >>> > >>> Tracking actual daily value for these accounts is, frankly, more > trouble > >>> than it's worth. Our retirement plans mask the investment details, and > only > >>> provide generalized data, which makes tracking difficult. So, I mostly > >>> check that the share balances are correct from year to year. This > gives me > >>> a broad sense of our progress toward the long term goals. > >>> > >>> HTH, > >>> David T. > >>> > >>> * - Contributions are handled as standard transactions between asset > >>> accounts, while earnings are tracked in separate income accounts for > tax > >>> tracking purposes. > >>> > >>> ** - IANAA, but I understand that when distributions are made, extra > >>> entries must be made in GnuCash to allow you to track the distribution > as > >>> income for IRS tracking. > >>> > >>> > >>> > >>> On June 3, 2026 9:22:21 PM GMT+05:30, Clint Chaplin <[email protected] > > > >>> wrote: > >>> >For those of you using GnuCash and having Roth accounts, do you use > >>> GnuCash > >>> >to keep track of contributions vs. rollover/conversions vs. earnings, > >>> and > >>> >if so, how? > >>> > > >>> >-- > >>> >Clint (JOATMON) Chaplin > >>> >_______________________________________________ > >>> >gnucash-user mailing list > >>> >[email protected] > >>> >To update your subscription preferences or to unsubscribe: > >>> >https://lists.gnucash.org/mailman/listinfo/gnucash-user > >>> >----- > >>> >Please remember to CC this list on all your replies. > >>> >You can do this by using Reply-To-List or Reply-All. > >>> _______________________________________________ > >>> gnucash-user mailing list > >>> [email protected] > >>> To update your subscription preferences or to unsubscribe: > >>> https://lists.gnucash.org/mailman/listinfo/gnucash-user > >>> ----- > >>> Please remember to CC this list on all your replies. > >>> You can do this by using Reply-To-List or Reply-All. > >>> > >> > > > > -- > > Clint (JOATMON) Chaplin > > > > > ------------------------------ > > Message: 2 > Date: Thu, 4 Jun 2026 09:04:08 -0700 > From: "Stephen M. Butler" <[email protected]> > To: [email protected] > Subject: Re: [GNC] GnuCash and Roth 401(k)/IRAs > Message-ID: <[email protected]> > Content-Type: text/plain; charset=UTF-8; format=flowed > > Make the Roth account a parent/placeholder and create sub-accounts for > the various conditions you want to track. > > > > On 6/4/26 08:58, Clint Chaplin wrote: > > Roth distributions MAY be taxable under certain conditions. > Contributions > > are always non-taxable when distributed. Roll-overs and conversions when > > distributed may be taxable. And earnings when distributed may also be > > taxable. The taxability depends on age of the contributor (59 1/2 or > > more), age of the contribution (5-year rule) > > > > The IRS has rules about where distributions come from: contributions > first, > > then rollovers and conversions, and then earnings. > > > > Thus my question about keeping track of contributions vs. > > rollover/conversions vs. earnings in GnuCash, and if so, how. > > > > On Thu, Jun 4, 2026 at 3:46?AM David Warren <[email protected]> wrote: > > > >> I track Roth IRAs and my Roth 401(k) the same way I do all of my other > >> broad investment / brokerage accounts: > >> > >> Contributions credit the bank account and debit the Roth IRA. > >> At some periodicity (could be every 3, 6, or 12 mos), I change the > >> investment balances, which in a rising stock market has typically meant > >> debit the Roth IRA, credit Income:Nontaxable Investment Income. (I > >> understand other people may prefer a different credit account; this > works > >> for me for tracking. David T says below "earnings are tracked in > separate > >> income accounts for tax tracking purposes. Note that *nothing *on Roth > >> IRAs needs to be 'tracked' or reported in the USA, but perhaps David T > >> means "separate" from his/my *other *income accounts that do need to be > >> reported.) > >> > >> When I eventually take distributions, no, I won't make "extra" entries > to > >> track for the IRS, I will simply credit the Roth IRA account and debit > the > >> asset account where I have sent the distribution. > >> > >> Note that this is less involved than what I would do if I had REGULAR > IRAs > >> or 401(k)s, as there I would be tracking eventual tax liabilities on > growth > >> in those accounts, and then when I eventually take Required > Distributions, > >> then the portion of the distribution that is taxable I would track into > a > >> taxable income account. Here's an example for a REGULAR IRA. Say the > >> account balance was $500,000 at 2029-12-31 and I was required to > withdraw > >> 5% of it per the tax code in 2032. When I take that $25,000 required > >> withdrawal, I would record it as: > >> > >> Credit Regular IRA $25,000 > >> Debit Brokerage Account $25,000 [these two record the transfer of > assets] > >> Credit Income:Taxable:IRA withdrawal $20,000 [this presumes a > calculation > >> that my tax basis in the IRA as of the withdrawal date was 100,000, or > 20% > >> of the balance] > >> Debit Income:Nontaxable:IRA Deferred Growth $20,000 > >> Credit Liabilities:Taxes Due this year $8,000 [at 40% tax rate] > >> Debit Liabilities:Deferred Taxes on IRAs $8,000 (this account would have > >> been credited every year as the IRA grew from investment earnings) > >> > >> > >> On Thu, Jun 4, 2026 at 2:29?AM David T. via gnucash-user < > >> [email protected]> wrote: > >> > >>> Clint, > >>> > >>> I don't see any other replies, so... > >>> > >>> Our family has four Roth accounts-- one each for an IRA and an employer > >>> retirement plan. I track all the contributions and earnings for those > >>> accounts* (we haven't yet taken distributions **). That way, I can see > >>> generally what our retirement savings look like. > >>> > >>> Tracking actual daily value for these accounts is, frankly, more > trouble > >>> than it's worth. Our retirement plans mask the investment details, and > only > >>> provide generalized data, which makes tracking difficult. So, I mostly > >>> check that the share balances are correct from year to year. This > gives me > >>> a broad sense of our progress toward the long term goals. > >>> > >>> HTH, > >>> David T. > >>> > >>> * - Contributions are handled as standard transactions between asset > >>> accounts, while earnings are tracked in separate income accounts for > tax > >>> tracking purposes. > >>> > >>> ** - IANAA, but I understand that when distributions are made, extra > >>> entries must be made in GnuCash to allow you to track the distribution > as > >>> income for IRS tracking. > >>> > >>> > >>> > >>> On June 3, 2026 9:22:21 PM GMT+05:30, Clint Chaplin <[email protected] > > > >>> wrote: > >>>> For those of you using GnuCash and having Roth accounts, do you use > >>> GnuCash > >>>> to keep track of contributions vs. rollover/conversions vs. earnings, > and > >>>> if so, how? > >>>> > >>>> -- > >>>> Clint (JOATMON) Chaplin > >>>> _______________________________________________ > >>>> gnucash-user mailing list > >>>> [email protected] > >>>> To update your subscription preferences or to unsubscribe: > >>>> https://lists.gnucash.org/mailman/listinfo/gnucash-user > >>>> ----- > >>>> Please remember to CC this list on all your replies. > >>>> You can do this by using Reply-To-List or Reply-All. > >>> _______________________________________________ > >>> gnucash-user mailing list > >>> [email protected] > >>> To update your subscription preferences or to unsubscribe: > >>> https://lists.gnucash.org/mailman/listinfo/gnucash-user > >>> ----- > >>> Please remember to CC this list on all your replies. > >>> You can do this by using Reply-To-List or Reply-All. > >>> > > > > ------------------------------ > > Message: 3 > Date: Thu, 04 Jun 2026 23:18:44 +0530 > From: "David T." <[email protected]> > To: David Warren <[email protected]>, Clint Chaplin > <[email protected]> > Cc: Gnucash Users <[email protected]> > Subject: Re: [GNC] GnuCash and Roth 401(k)/IRAs > Message-ID: <[email protected]> > Content-Type: text/plain; charset=utf-8 > > I agree with David W. here. I don't think that GnuCash is the right tool > for this, and IMHO it's more trouble than it's worth. When it comes time to > receive distributions, I'm pretty sure the financial institution will let > you know what's what. Aside from the satisfaction of being able to say "I > tracked it right," I'm not sure there's much point. > > And yes, DW, my note regarding separating income was to keep it apart from > other (taxable) income. My CoA has separate income account trees for each > brokerage account (to match 1099 forms), and one single set for all > nontaxable income (Income:Untaxed:LT Gains, Income:Untaxed:ST Gains, etc.). > > David T. > > On June 4, 2026 9:32:24 PM GMT+05:30, David Warren <[email protected]> > wrote: > >If you want rules-based "keeping track", I don't think GC is the place for > >that. Of course, depending on the complexity you are comfortable with, > you > >could elect to track an individual Roth IRA with multiple sub-accounts, > >including Contributions, or even two accounts for Contributions older than > >5 years, more recent Contributions, or even year by year contributions, > and > >then at the end of each year time period, credit and debit multiple > >sub-accounts. I won't do that, but you certainly could. > > > >On Thu, Jun 4, 2026 at 11:58?AM Clint Chaplin <[email protected]> wrote: > > > >> Roth distributions MAY be taxable under certain conditions. > Contributions > >> are always non-taxable when distributed. Roll-overs and conversions > when > >> distributed may be taxable. And earnings when distributed may also be > >> taxable. The taxability depends on age of the contributor (59 1/2 or > >> more), age of the contribution (5-year rule) > >> > >> The IRS has rules about where distributions come from: contributions > >> first, then rollovers and conversions, and then earnings. > >> > >> Thus my question about keeping track of contributions vs. > >> rollover/conversions vs. earnings in GnuCash, and if so, how. > >> > >> On Thu, Jun 4, 2026 at 3:46?AM David Warren <[email protected]> wrote: > >> > >>> I track Roth IRAs and my Roth 401(k) the same way I do all of my other > >>> broad investment / brokerage accounts: > >>> > >>> Contributions credit the bank account and debit the Roth IRA. > >>> At some periodicity (could be every 3, 6, or 12 mos), I change the > >>> investment balances, which in a rising stock market has typically meant > >>> debit the Roth IRA, credit Income:Nontaxable Investment Income. (I > >>> understand other people may prefer a different credit account; this > works > >>> for me for tracking. David T says below "earnings are tracked in > separate > >>> income accounts for tax tracking purposes. Note that *nothing *on Roth > >>> IRAs needs to be 'tracked' or reported in the USA, but perhaps David T > >>> means "separate" from his/my *other *income accounts that do need to be > >>> reported.) > >>> > >>> When I eventually take distributions, no, I won't make "extra" entries > to > >>> track for the IRS, I will simply credit the Roth IRA account and debit > the > >>> asset account where I have sent the distribution. > >>> > >>> Note that this is less involved than what I would do if I had REGULAR > >>> IRAs or 401(k)s, as there I would be tracking eventual tax liabilities > on > >>> growth in those accounts, and then when I eventually take Required > >>> Distributions, then the portion of the distribution that is taxable I > would > >>> track into a taxable income account. Here's an example for a REGULAR > IRA. > >>> Say the account balance was $500,000 at 2029-12-31 and I was required > to > >>> withdraw 5% of it per the tax code in 2032. When I take that $25,000 > >>> required withdrawal, I would record it as: > >>> > >>> Credit Regular IRA $25,000 > >>> Debit Brokerage Account $25,000 [these two record the transfer of > assets] > >>> Credit Income:Taxable:IRA withdrawal $20,000 [this presumes a > calculation > >>> that my tax basis in the IRA as of the withdrawal date was 100,000, or > 20% > >>> of the balance] > >>> Debit Income:Nontaxable:IRA Deferred Growth $20,000 > >>> Credit Liabilities:Taxes Due this year $8,000 [at 40% tax rate] > >>> Debit Liabilities:Deferred Taxes on IRAs $8,000 (this account would > have > >>> been credited every year as the IRA grew from investment earnings) > >>> > >>> > >>> On Thu, Jun 4, 2026 at 2:29?AM David T. via gnucash-user < > >>> [email protected]> wrote: > >>> > >>>> Clint, > >>>> > >>>> I don't see any other replies, so... > >>>> > >>>> Our family has four Roth accounts-- one each for an IRA and an > employer > >>>> retirement plan. I track all the contributions and earnings for those > >>>> accounts* (we haven't yet taken distributions **). That way, I can see > >>>> generally what our retirement savings look like. > >>>> > >>>> Tracking actual daily value for these accounts is, frankly, more > trouble > >>>> than it's worth. Our retirement plans mask the investment details, > and only > >>>> provide generalized data, which makes tracking difficult. So, I mostly > >>>> check that the share balances are correct from year to year. This > gives me > >>>> a broad sense of our progress toward the long term goals. > >>>> > >>>> HTH, > >>>> David T. > >>>> > >>>> * - Contributions are handled as standard transactions between asset > >>>> accounts, while earnings are tracked in separate income accounts for > tax > >>>> tracking purposes. > >>>> > >>>> ** - IANAA, but I understand that when distributions are made, extra > >>>> entries must be made in GnuCash to allow you to track the > distribution as > >>>> income for IRS tracking. > >>>> > >>>> > >>>> > >>>> On June 3, 2026 9:22:21 PM GMT+05:30, Clint Chaplin < > [email protected]> > >>>> wrote: > >>>> >For those of you using GnuCash and having Roth accounts, do you use > >>>> GnuCash > >>>> >to keep track of contributions vs. rollover/conversions vs. earnings, > >>>> and > >>>> >if so, how? > >>>> > > >>>> >-- > >>>> >Clint (JOATMON) Chaplin > >>>> >_______________________________________________ > >>>> >gnucash-user mailing list > >>>> >[email protected] > >>>> >To update your subscription preferences or to unsubscribe: > >>>> >https://lists.gnucash.org/mailman/listinfo/gnucash-user > >>>> >----- > >>>> >Please remember to CC this list on all your replies. > >>>> >You can do this by using Reply-To-List or Reply-All. > >>>> _______________________________________________ > >>>> gnucash-user mailing list > >>>> [email protected] > >>>> To update your subscription preferences or to unsubscribe: > >>>> https://lists.gnucash.org/mailman/listinfo/gnucash-user > >>>> ----- > >>>> Please remember to CC this list on all your replies. > >>>> You can do this by using Reply-To-List or Reply-All. > >>>> > >>> > >> > >> -- > >> Clint (JOATMON) Chaplin > >> > > > ------------------------------ > > Message: 4 > Date: Thu, 4 Jun 2026 14:27:40 -0400 > From: Robert Putman <[email protected]> > To: [email protected] > Subject: Re: [GNC] gnucash-user Digest, Vol 279, Issue 8 > Message-ID: > < > cagonetd5fgoxhg4dxt2cernvmjjypksorfuhfovu9uzjoxx...@mail.gmail.com> > Content-Type: text/plain; charset="UTF-8" > > I tried to create the stock in Security Editor and as soon as I type the > first character in the first box (Full Name) the OK button grays out and > remains gray so it cannot be saved. > > < > http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail > > > Virus-free.www.avg.com > < > http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail > > > <#DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2> > > On Thu, Jun 4, 2026 at 12:01?PM <[email protected]> wrote: > > > Send gnucash-user mailing list submissions to > > [email protected] > > > > To subscribe or unsubscribe via the World Wide Web, visit > > https://lists.gnucash.org/mailman/listinfo/gnucash-user > > or, via email, send a message with subject or body 'help' to > > [email protected] > > > > You can reach the person managing the list at > > [email protected] > > > > When replying, please edit your Subject line so it is more specific > > than "Re: Contents of gnucash-user digest..." > > > > > > Today's Topics: > > > > 1. Re: Help with column widths (David T.) > > 2. Re: GnuCash and Roth 401(k)/IRAs (David T.) > > 3. Re: GnuCash and Roth 401(k)/IRAs (David Warren) > > 4. New User--Entering a stock in investments Version 5.15 > > (Robert Putman) > > 5. Re: New User--Entering a stock in investments Version 5.15 > > (Murugan Mariappan) > > 6. Re: New User--Entering a stock in investments Version 5.15 > > (David T.) > > 7. Re: GnuCash and Roth 401(k)/IRAs (Clint Chaplin) > > > > > > ---------------------------------------------------------------------- > > > > Message: 1 > > Date: Thu, 04 Jun 2026 11:21:49 +0530 > > From: "David T." <[email protected]> > > To: [email protected], Liz <[email protected]> > > Subject: Re: [GNC] Help with column widths > > Message-ID: <[email protected]> > > Content-Type: text/plain; charset=utf-8 > > > > The advice offered by Liz and Jim should address the problem generally. > It > > will certainly cover the issue of the Description column. > > > > I'll note that it sounds like Rhonda has been dragging the wrong border, > > which is a normal mistake. As another user has noted in the past, to > adjust > > the width of a given column, one must drag the *right* border to adjust > the > > column directly to the *left*. This trips up many users. > > > > The rightmost column, containing the register balance, presents a special > > problem, since that right border aligns with the app window, and grabbing > > it can be... difficult. For that column, the best option is to double > click > > the header itself to resize the column. (For the record, that approach > can > > be used on other columns as well, although it is of limited use with > > Description and Transfer columns.) > > > > If Rhonda has actually sized columns so small that they can't be seen on > > screen, it is possible to reset the app's displays by deleting the gcm > > file. But that is a to for another day. > > > > David T. > > > > On June 4, 2026 3:08:56 AM GMT+05:30, Liz <[email protected]> wrote: > > >On Wed, 3 Jun 2026 13:29:40 -0600 > > >Rhonda Anderson <[email protected]> wrote: > > > > > >> Hello, > > >> > > >> I really need help. I have effectively shrunk my right hand columns > > >> to where they have disappeared and I cannot stretch them out again. > > >> I can't for the life of me understand how you shrink the columns. I > > >> wanted to shrink the description column but it just kept getting > > >> bigger and shrinking my other right hand columns to the point where I > > >> cannot read them or stretch them out anymore. > > >> > > >> Anything you can suggest would be greatly appreciated! I tried, I > > >> really tried to follow the directions, but the description column > > >> kept getting bigger. Is there any way to go back to default column > > >> lengths? > > >> > > >> Thank you, > > >> Rhonda Anderson > > >> _______________________________________________ > > > > > > > > >Rhonda > > > > > >Try this from the FAQ > > > > > > https://www.wiki.gnucash.org/wiki/FAQ#Q:_How_do_I_resize_my_register_columns.3F_Why_can_I_not_shrink_the_description_column.3F > > > > > >Make sure you get all of the link copied to find the place. > > > > > >Liz > > >_______________________________________________ > > >gnucash-user mailing list > > >[email protected] > > >To update your subscription preferences or to unsubscribe: > > >https://lists.gnucash.org/mailman/listinfo/gnucash-user > > >----- > > >Please remember to CC this list on all your replies. > > >You can do this by using Reply-To-List or Reply-All. > > > > > > ------------------------------ > > > > Message: 2 > > Date: Thu, 04 Jun 2026 11:57:41 +0530 > > From: "David T." <[email protected]> > > To: [email protected], Clint Chaplin <[email protected]>, > > Gnucash Users <[email protected]> > > Subject: Re: [GNC] GnuCash and Roth 401(k)/IRAs > > Message-ID: <[email protected]> > > Content-Type: text/plain; charset=utf-8 > > > > Clint, > > > > I don't see any other replies, so... > > > > Our family has four Roth accounts-- one each for an IRA and an employer > > retirement plan. I track all the contributions and earnings for those > > accounts* (we haven't yet taken distributions **). That way, I can see > > generally what our retirement savings look like. > > > > Tracking actual daily value for these accounts is, frankly, more trouble > > than it's worth. Our retirement plans mask the investment details, and > only > > provide generalized data, which makes tracking difficult. So, I mostly > > check that the share balances are correct from year to year. This gives > me > > a broad sense of our progress toward the long term goals. > > > > HTH, > > David T. > > > > * - Contributions are handled as standard transactions between asset > > accounts, while earnings are tracked in separate income accounts for tax > > tracking purposes. > > > > ** - IANAA, but I understand that when distributions are made, extra > > entries must be made in GnuCash to allow you to track the distribution as > > income for IRS tracking. > > > > > > > > On June 3, 2026 9:22:21 PM GMT+05:30, Clint Chaplin <[email protected]> > > wrote: > > >For those of you using GnuCash and having Roth accounts, do you use > > GnuCash > > >to keep track of contributions vs. rollover/conversions vs. earnings, > and > > >if so, how? > > > > > >-- > > >Clint (JOATMON) Chaplin > > >_______________________________________________ > > >gnucash-user mailing list > > >[email protected] > > >To update your subscription preferences or to unsubscribe: > > >https://lists.gnucash.org/mailman/listinfo/gnucash-user > > >----- > > >Please remember to CC this list on all your replies. > > >You can do this by using Reply-To-List or Reply-All. > > > > > > ------------------------------ > > > > Message: 3 > > Date: Thu, 4 Jun 2026 06:46:40 -0400 > > From: David Warren <[email protected]> > > To: "David T." <[email protected]> > > Cc: Clint Chaplin <[email protected]>, Gnucash Users > > <[email protected]> > > Subject: Re: [GNC] GnuCash and Roth 401(k)/IRAs > > Message-ID: > > <CAD5Z54f= > > [email protected]> > > Content-Type: text/plain; charset="UTF-8" > > > > I track Roth IRAs and my Roth 401(k) the same way I do all of my other > > broad investment / brokerage accounts: > > > > Contributions credit the bank account and debit the Roth IRA. > > At some periodicity (could be every 3, 6, or 12 mos), I change the > > investment balances, which in a rising stock market has typically meant > > debit the Roth IRA, credit Income:Nontaxable Investment Income. (I > > understand other people may prefer a different credit account; this works > > for me for tracking. David T says below "earnings are tracked in > separate > > income accounts for tax tracking purposes. Note that *nothing *on Roth > > IRAs needs to be 'tracked' or reported in the USA, but perhaps David T > > means "separate" from his/my *other *income accounts that do need to be > > reported.) > > > > When I eventually take distributions, no, I won't make "extra" entries to > > track for the IRS, I will simply credit the Roth IRA account and debit > the > > asset account where I have sent the distribution. > > > > Note that this is less involved than what I would do if I had REGULAR > IRAs > > or 401(k)s, as there I would be tracking eventual tax liabilities on > growth > > in those accounts, and then when I eventually take Required > Distributions, > > then the portion of the distribution that is taxable I would track into a > > taxable income account. Here's an example for a REGULAR IRA. Say the > > account balance was $500,000 at 2029-12-31 and I was required to withdraw > > 5% of it per the tax code in 2032. When I take that $25,000 required > > withdrawal, I would record it as: > > > > Credit Regular IRA $25,000 > > Debit Brokerage Account $25,000 [these two record the transfer of assets] > > Credit Income:Taxable:IRA withdrawal $20,000 [this presumes a calculation > > that my tax basis in the IRA as of the withdrawal date was 100,000, or > 20% > > of the balance] > > Debit Income:Nontaxable:IRA Deferred Growth $20,000 > > Credit Liabilities:Taxes Due this year $8,000 [at 40% tax rate] > > Debit Liabilities:Deferred Taxes on IRAs $8,000 (this account would have > > been credited every year as the IRA grew from investment earnings) > > > > > > On Thu, Jun 4, 2026 at 2:29?AM David T. via gnucash-user < > > [email protected]> wrote: > > > > > Clint, > > > > > > I don't see any other replies, so... > > > > > > Our family has four Roth accounts-- one each for an IRA and an employer > > > retirement plan. I track all the contributions and earnings for those > > > accounts* (we haven't yet taken distributions **). That way, I can see > > > generally what our retirement savings look like. > > > > > > Tracking actual daily value for these accounts is, frankly, more > trouble > > > than it's worth. Our retirement plans mask the investment details, and > > only > > > provide generalized data, which makes tracking difficult. So, I mostly > > > check that the share balances are correct from year to year. This gives > > me > > > a broad sense of our progress toward the long term goals. > > > > > > HTH, > > > David T. > > > > > > * - Contributions are handled as standard transactions between asset > > > accounts, while earnings are tracked in separate income accounts for > tax > > > tracking purposes. > > > > > > ** - IANAA, but I understand that when distributions are made, extra > > > entries must be made in GnuCash to allow you to track the distribution > as > > > income for IRS tracking. > > > > > > > > > > > > On June 3, 2026 9:22:21 PM GMT+05:30, Clint Chaplin <[email protected] > > > > > wrote: > > > >For those of you using GnuCash and having Roth accounts, do you use > > > GnuCash > > > >to keep track of contributions vs. rollover/conversions vs. earnings, > > and > > > >if so, how? > > > > > > > >-- > > > >Clint (JOATMON) Chaplin > > > >_______________________________________________ > > > >gnucash-user mailing list > > > >[email protected] > > > >To update your subscription preferences or to unsubscribe: > > > >https://lists.gnucash.org/mailman/listinfo/gnucash-user > > > >----- > > > >Please remember to CC this list on all your replies. > > > >You can do this by using Reply-To-List or Reply-All. > > > _______________________________________________ > > > gnucash-user mailing list > > > [email protected] > > > To update your subscription preferences or to unsubscribe: > > > https://lists.gnucash.org/mailman/listinfo/gnucash-user > > > ----- > > > Please remember to CC this list on all your replies. > > > You can do this by using Reply-To-List or Reply-All. > > > > > > > > > ------------------------------ > > > > Message: 4 > > Date: Thu, 4 Jun 2026 07:01:32 -0400 > > From: Robert Putman <[email protected]> > > To: [email protected] > > Subject: [GNC] New User--Entering a stock in investments Version 5.15 > > Message-ID: > > <CAGoNETc= > > [email protected]> > > Content-Type: text/plain; charset="UTF-8" > > > > In the Account Tree > > Investments > > Charles Schwab > > Stock > > > > Press New - Enter Stock Symbol in Account Name -- Enter full name in > > Description -- Parent Account = Stock -- Account Type = Stock -- > > Security/Currency Press Select --> Select Security pop up - Namespace = > All > > Non-currency -- The help says to put where this stock is traded in this > box > > (Namespace) but when I enter the stock name in the Security box the > > Namespace box returns to All Non-Currency. Only options are New and > > Cancel. Click New and get New Account pop up. Whenever I enter anything > > in the Full Name box, the OK is grayed out and I cannot proceed. > > > > What am I doing wrong? > > > > Bob > > > > < > > > http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail > > > > > Virus-free.www.avg.com > > < > > > http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail > > > > > <#DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2> > > > > > > ------------------------------ > > > > Message: 5 > > Date: Thu, 4 Jun 2026 14:30:56 +0000 > > From: Murugan Mariappan <[email protected]> > > To: Robert Putman <[email protected]>, "[email protected]" > > <[email protected]> > > Subject: Re: [GNC] New User--Entering a stock in investments Version > > 5.15 > > Message-ID: > > < > > > ri1p284mb3795a8ef7e97aa4de12adb8a9c...@ri1p284mb3795.brap284.prod.outlook.com > > > > > > > Content-Type: text/plain; charset="us-ascii" > > > > Did you create the Stock under security editor > > > > > > > > > > Saludos Cordiales > > > > > > Murugan > > > > ________________________________ > > From: gnucash-user <gnucash-user-bounces+m.muruganandam= > > [email protected]> on behalf of Robert Putman < > [email protected]> > > Sent: 04 June 2026 12:01 > > To: [email protected] <[email protected]> > > Subject: [GNC] New User--Entering a stock in investments Version 5.15 > > > > In the Account Tree > > Investments > > Charles Schwab > > Stock > > > > Press New - Enter Stock Symbol in Account Name -- Enter full name in > > Description -- Parent Account = Stock -- Account Type = Stock -- > > Security/Currency Press Select --> Select Security pop up - Namespace = > All > > Non-currency -- The help says to put where this stock is traded in this > box > > (Namespace) but when I enter the stock name in the Security box the > > Namespace box returns to All Non-Currency. Only options are New and > > Cancel. Click New and get New Account pop up. Whenever I enter anything > > in the Full Name box, the OK is grayed out and I cannot proceed. > > > > What am I doing wrong? > > > > Bob > > > > < > > > http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail > > > > > Virus-free.www.avg.com > > < > > > http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail > > > > > <#DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2> > > _______________________________________________ > > gnucash-user mailing list > > [email protected] > > To update your subscription preferences or to unsubscribe: > > https://lists.gnucash.org/mailman/listinfo/gnucash-user > > ----- > > Please remember to CC this list on all your replies. > > You can do this by using Reply-To-List or Reply-All. > > > > > > ------------------------------ > > > > Message: 6 > > Date: Thu, 04 Jun 2026 20:12:35 +0530 > > From: "David T." <[email protected]> > > To: [email protected], Robert Putman <[email protected]> > > Subject: Re: [GNC] New User--Entering a stock in investments Version > > 5.15 > > Message-ID: <[email protected]> > > Content-Type: text/plain; charset=utf-8 > > > > Before you can create an account for a particular security, you have to > > create the security. > > > > From the steps you describe, it sounds like you are getting to the new > > security window (not a new account). > > > > I do not recall exactly which fields are required in that window, but I > > believe at the very least you need a symbol and an exchange to save a > > security. I use a browser to search online for the stock ticker symbol > and > > the exchange it belongs to. Once you fill those in, you should be able to > > save the security, which can then be used to denominate your new account. > > > > GnuCash should take you back to the new account window you were working > > in. > > > > Correct me if I'm wrong. > > > > David T. > > > > On June 4, 2026 4:31:32 PM GMT+05:30, Robert Putman < > [email protected]> > > wrote: > > >In the Account Tree > > >Investments > > > Charles Schwab > > > Stock > > > > > >Press New - Enter Stock Symbol in Account Name -- Enter full name in > > >Description -- Parent Account = Stock -- Account Type = Stock -- > > >Security/Currency Press Select --> Select Security pop up - Namespace = > > All > > >Non-currency -- The help says to put where this stock is traded in this > > box > > >(Namespace) but when I enter the stock name in the Security box the > > >Namespace box returns to All Non-Currency. Only options are New and > > >Cancel. Click New and get New Account pop up. Whenever I enter > anything > > >in the Full Name box, the OK is grayed out and I cannot proceed. > > > > > >What am I doing wrong? > > > > > >Bob > > > > > >< > > > http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail > > > > > >Virus-free.www.avg.com > > >< > > > http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail > > > > > ><#DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2> > > >_______________________________________________ > > >gnucash-user mailing list > > >[email protected] > > >To update your subscription preferences or to unsubscribe: > > >https://lists.gnucash.org/mailman/listinfo/gnucash-user > > >----- > > >Please remember to CC this list on all your replies. > > >You can do this by using Reply-To-List or Reply-All. > > > > > > ------------------------------ > > > > Message: 7 > > Date: Thu, 4 Jun 2026 08:58:29 -0700 > > From: Clint Chaplin <[email protected]> > > To: David Warren <[email protected]> > > Cc: "David T." <[email protected]>, Gnucash Users > > <[email protected]> > > Subject: Re: [GNC] GnuCash and Roth 401(k)/IRAs > > Message-ID: > > <CAEf=QbBkV3dR8zJHbyMRQZwM9Bb9wdh4-6Ttf512mQhugj= > > [email protected]> > > Content-Type: text/plain; charset="UTF-8" > > > > Roth distributions MAY be taxable under certain conditions. > Contributions > > are always non-taxable when distributed. Roll-overs and conversions when > > distributed may be taxable. And earnings when distributed may also be > > taxable. The taxability depends on age of the contributor (59 1/2 or > > more), age of the contribution (5-year rule) > > > > The IRS has rules about where distributions come from: contributions > first, > > then rollovers and conversions, and then earnings. > > > > Thus my question about keeping track of contributions vs. > > rollover/conversions vs. earnings in GnuCash, and if so, how. > > > > On Thu, Jun 4, 2026 at 3:46?AM David Warren <[email protected]> wrote: > > > > > I track Roth IRAs and my Roth 401(k) the same way I do all of my other > > > broad investment / brokerage accounts: > > > > > > Contributions credit the bank account and debit the Roth IRA. > > > At some periodicity (could be every 3, 6, or 12 mos), I change the > > > investment balances, which in a rising stock market has typically meant > > > debit the Roth IRA, credit Income:Nontaxable Investment Income. (I > > > understand other people may prefer a different credit account; this > works > > > for me for tracking. David T says below "earnings are tracked in > > separate > > > income accounts for tax tracking purposes. Note that *nothing *on Roth > > > IRAs needs to be 'tracked' or reported in the USA, but perhaps David T > > > means "separate" from his/my *other *income accounts that do need to be > > > reported.) > > > > > > When I eventually take distributions, no, I won't make "extra" entries > to > > > track for the IRS, I will simply credit the Roth IRA account and debit > > the > > > asset account where I have sent the distribution. > > > > > > Note that this is less involved than what I would do if I had REGULAR > > IRAs > > > or 401(k)s, as there I would be tracking eventual tax liabilities on > > growth > > > in those accounts, and then when I eventually take Required > > Distributions, > > > then the portion of the distribution that is taxable I would track > into a > > > taxable income account. Here's an example for a REGULAR IRA. Say the > > > account balance was $500,000 at 2029-12-31 and I was required to > withdraw > > > 5% of it per the tax code in 2032. When I take that $25,000 required > > > withdrawal, I would record it as: > > > > > > Credit Regular IRA $25,000 > > > Debit Brokerage Account $25,000 [these two record the transfer of > assets] > > > Credit Income:Taxable:IRA withdrawal $20,000 [this presumes a > calculation > > > that my tax basis in the IRA as of the withdrawal date was 100,000, or > > 20% > > > of the balance] > > > Debit Income:Nontaxable:IRA Deferred Growth $20,000 > > > Credit Liabilities:Taxes Due this year $8,000 [at 40% tax rate] > > > Debit Liabilities:Deferred Taxes on IRAs $8,000 (this account would > have > > > been credited every year as the IRA grew from investment earnings) > > > > > > > > > On Thu, Jun 4, 2026 at 2:29?AM David T. via gnucash-user < > > > [email protected]> wrote: > > > > > >> Clint, > > >> > > >> I don't see any other replies, so... > > >> > > >> Our family has four Roth accounts-- one each for an IRA and an > employer > > >> retirement plan. I track all the contributions and earnings for those > > >> accounts* (we haven't yet taken distributions **). That way, I can see > > >> generally what our retirement savings look like. > > >> > > >> Tracking actual daily value for these accounts is, frankly, more > trouble > > >> than it's worth. Our retirement plans mask the investment details, and > > only > > >> provide generalized data, which makes tracking difficult. So, I mostly > > >> check that the share balances are correct from year to year. This > gives > > me > > >> a broad sense of our progress toward the long term goals. > > >> > > >> HTH, > > >> David T. > > >> > > >> * - Contributions are handled as standard transactions between asset > > >> accounts, while earnings are tracked in separate income accounts for > tax > > >> tracking purposes. > > >> > > >> ** - IANAA, but I understand that when distributions are made, extra > > >> entries must be made in GnuCash to allow you to track the distribution > > as > > >> income for IRS tracking. > > >> > > >> > > >> > > >> On June 3, 2026 9:22:21 PM GMT+05:30, Clint Chaplin < > [email protected]> > > >> wrote: > > >> >For those of you using GnuCash and having Roth accounts, do you use > > >> GnuCash > > >> >to keep track of contributions vs. rollover/conversions vs. earnings, > > and > > >> >if so, how? > > >> > > > >> >-- > > >> >Clint (JOATMON) Chaplin > > >> >_______________________________________________ > > >> >gnucash-user mailing list > > >> >[email protected] > > >> >To update your subscription preferences or to unsubscribe: > > >> >https://lists.gnucash.org/mailman/listinfo/gnucash-user > > >> >----- > > >> >Please remember to CC this list on all your replies. > > >> >You can do this by using Reply-To-List or Reply-All. > > >> _______________________________________________ > > >> gnucash-user mailing list > > >> [email protected] > > >> To update your subscription preferences or to unsubscribe: > > >> https://lists.gnucash.org/mailman/listinfo/gnucash-user > > >> ----- > > >> Please remember to CC this list on all your replies. > > >> You can do this by using Reply-To-List or Reply-All. > > >> > > > > > > > -- > > Clint (JOATMON) Chaplin > > > > > > ------------------------------ > > > > Subject: Digest Footer > > > > _______________________________________________ > > > > gnucash-user mailing list > > [email protected] > > To update your subscription preferences or to unsubscribe: > > https://lists.gnucash.org/mailman/listinfo/gnucash-user > > ----- > > Please remember to CC this list on all your replies. > > You can do this by using Reply-To-List or Reply-All. > > > > > > ------------------------------ > > > > End of gnucash-user Digest, Vol 279, Issue 8 > > ******************************************** > > > > > ------------------------------ > > Subject: Digest Footer > > _______________________________________________ > > gnucash-user mailing list > [email protected] > To update your subscription preferences or to unsubscribe: > https://lists.gnucash.org/mailman/listinfo/gnucash-user > ----- > Please remember to CC this list on all your replies. > You can do this by using Reply-To-List or Reply-All. > > > ------------------------------ > > End of gnucash-user Digest, Vol 279, Issue 9 > ******************************************** > _______________________________________________ gnucash-user mailing list [email protected] To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user ----- Please remember to CC this list on all your replies. 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