ROTH IRA Contribution Limit Worksheet

Forum|Forum|7 months ago
February 17, 2026
11 replies
95 views

I don't think TT is calculating the MAGI on line 1 of this worksheet correctly.

The MAGI (for Roth contribution purposes) should subtract both IRA to Roth Conversions and 401(k) to Roth Conversions from the AGI. I had substantial Roth conversions in 2025 that should have reduced my Roth MAGI below the $246k joint threshold. These Roth Conversions show up on line 4b and line 5b on Form 1040. However, the MAGI on line 1 of the ROTH IRA Contribution Limit Worksheet only reduces the AGI by the amount of the IRA conversion. It does not seem to subtract the 401(k) conversion that increases my AGI on Form 1040 line 5b.

Thanks for your help on this.

AnnetteB6

Employee Tax Expert

In order to take a closer look at the situation you described, it would be useful to have a diagnostic copy of your tax data file. The diagnostic file will not contain personally identifiable information, only numbers related to your tax forms.

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