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Retirement tax questions
Only conversions to a Roth IRA are excludible from MAGI for the purpose of determining Roth IRA contribution limits. In-plan Roth Rollovers are not excludible from this MAGI. (As the terms are defined in the tax code, an In-plan Roth Rollover is not a Roth conversion.)
To eliminate the excess contribution for 2025, you'll either need to obtain an explicit return of the excess Roth IRA contribution or you'll need to request that the Roth IRA custodian recharacterize the excess to be a traditional IRA contribution instead.
‎December 2, 2025
7:41 AM