Backdoor roth

Forum|Forum|1 year ago
March 19, 2025
1 reply
3 views

Can I contribute to an IRA just to do a backdoor Roth without triggering ratios since I have a sizable rollover IrA from previous jobs (it is all pre tax money)

Ask the Experts - Changes II - Mar 2025

MarilynG

Level 15

Yes, if you make a non-deductible contribution to an IRA, then a backdoor Roth conversion, this will trigger Form 8606 in your return. You'll be asked about any IRA basis you have. If you had no other non-deductible IRA contributions, your beginning basis would be $0.

Here's detailed instructions on How to Enter a Back-Door Roth Conversion, which is a two-step process.

@mmdannunzio

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mmdannunzioAuthor

Level 2

Oh. Since all my other IRAS are pre tax, this won’t trigger the form. Do I need to include this information (contribution and backdoor) with my tax filing 1040 or is it separate ?

MaryK4

Level 15

You will follow the steps Marilyn provided to enter the backdoor IRA, and you may have the 1099-Rs for the rollover- if it was a direct rollover, you may not receive the 1099-R or it will be coded in Box 7 but if you got a check then added as a rollover, you will the 1099-R and will have to indicate in TurboTax that you rolled over. @mmdannunzio

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