Tax for Back Door Roth Contribution

Forum|Forum|3 months ago
March 14, 2026
1 reply
14 views

Hello all,

I am planning to do after tax contribution to traditional IRA and immediately transfer those contributions to Roth IRA for both of us. But my tax is going up when I specify that. What should I do?

Thanks in advance.

Best answer by MaryK4

Expert Reviewed

If you have not done the step to indicate the traditional IRA contributions were nondeductible, TurboTax is treating it as a taxable event. Go to How do I enter a backdoor Roth IRA conversion? and enter the traditional IRA contributions so the 8606 is created and your tax will be re-calculated.

MaryK4Answer

Level 15

Expert Reviewed

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tnanaihsojAuthor

Level 2

Thank you very much for quick reply and link to the article.

Now I have a different issue. Since I haven't yet contributed to traditional IRA and transferred to Roth, I don't have 1099-R forms.

Any idea how I can navigate through this?

TIA

AnnetteB6

Level 15

Yes, you need to report the non-deductible Traditional IRA contributions on your 2025 tax return, if you intend the contribution to be for the 2025 tax year. Doing so will report the basis of the Traditional IRA on Form 8606.

Then, when you convert the Traditional IRA to the Roth IRA, it will actually be done in 2026. Therefore, you will receive a Form 1099-R for 2026 in early 2027 that is reporting the Traditional IRA distribution. When that Form 1099-R is entered into your 2026 tax return, it should not be taxable since the basis was reported on your 2025 Form 8606. Conversions can be done at any time and are only associated with the year in which it is done, unlike IRA contributions which are tied to a particular tax year.

Or, if you intend for the Traditional IRA contributions to be made for the 2026 tax year, then nothing is reported on your 2025 tax return.

@tnanaihsoj

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