dmertz
Level 15

Retirement tax questions

Your second table seems to imply that you do two Roth conversions in 2022, one for $6,000 and the other for $19,918.  With only $19,918 of basis to apply to $25,918 of Roth conversions, $6,000 would be taxable.  The taxable amount is the pre-tax money that was not rolled over to the 401(k) but instead converted to Roth.