Retirement tax questions

@SyrianF16 

 

Upon reporting a Trad IRA contribution (non-deductible) on your tax return, you can then also report a Roth conversion of the contributed amount for net tax of zero, unless your IRA previously had value exceeding basis.

In that case, it can't be done tax free.

to report a non-deductible  contribution for 2024 , 2024 Form 8606 must be filed.

The conversion happened in 2025. You report it on your 2025 tax return.