How should report backdoor Roth IRA on TurboTax

Forum|Forum|3 months ago
March 7, 2026
1 reply
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Hi, I have been using turboTax for years. I can not be sure about a few questions this year. I did backdoor Roth IRA, basically I contribute $7000 to my traditional IRA and when the money is cleared by the institute, I moved all directly to Roth IRA in the same institute. What confuses me is I entered some questions regarding this during income section and in deduction section, it asked again. And especially, these few questions confused me?

1 "Did you recharacterize any of the traditional IRA contributions for 2025 over to a Roth IRA contribution?"
-- Is what I did a recharacterization or conversion. I remember it should be conversion, right?
2 "Did you make any nondeductible IRA contributions to your traditional IRA from 2024 or prior years?"

Note: Nondeductible contributions are tracked on Form 8606 in your prior year returns.
-- I do have Form 8606 from previous year. I guess these was due to the income generated during the time the money in traditional IRA before moved to Roth IRA, is it? Should I answer yes to this question?
3 "Did you convert a traditional IRA to a Roth IRA before 2025?"
-- I think I should answer "yes", right?

TurboTax Premier Online

ReneV4

Level 6

It sounds like you took the correct steps for your backdoor Roth, so here are the answers to your three questions:

1. Since you intentionally contributed to a Traditional IRA and then performed a conversion, you should answer "No" to the recharacterization question.

2. The "nondeductible IRA contributions" question is asked to determine your IRA basis (the after-tax dollars you have previously contributed to the Traditional IRA that was never deducted). Therefore, check your most recent Form 8606 and look for the total basis line (Line 14). That is the amount you input as your basis.

Note: If that line is zero, then you should answer "No" to "Did you make any nondeductible...?"

3. "Did you convert a traditional IRA...?" is asked to determine if you have any conversion from a previous year that need to be accounted for. Since your conversion took place as part of your 2025 activity, you should answer "No" to this question as well.

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