No, the amount you convert through a backdoor Roth IRA does not count toward your Modified Adjusted Gross Income (MAGI) for the purpose of determining eligibility to contribute to a traditional or Roth IRA.
For 2025, the income phase-out for filing jointly begins at $236,000 and ends at $246,000, single begins at $150000 and ends at $165000.
To contribute to an IRA, you must have earned income, such as Wages, Salaries, Self-employment income.
IRA conversions, dividends, interest, pensions, and Social Security do not count as earned income.
@eyanine Thanks for the question.
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
