Traditional to Roth Rollover?

Forum|Forum|3 months ago
March 29, 2026
2 replies
29 views

In February, I contributed 3500 to a traditional IRA-then in March converted it or rolled it over to my Roth ira.

Just today, I contributed another 8k to my Roth IRA. I am over the limit, right?

It didn't show up as being over the limit on my financial institutions' website-maybe it doesn't register that it was coming from a traditional IRA?

Best answer by VolvoGirl

Expert Reviewed

Right. The limit is for Traditional and ROTH combined. The FI only saw that is was converted to the ROTH. They don't know when you originally contributed to the Traditional IRA.

VolvoGirlAnswer

Level 15

Expert Reviewed

Right. The limit is for Traditional and ROTH combined. The FI only saw that is was converted to the ROTH. They don't know when you originally contributed to the Traditional IRA.

dmertz

Level 15

Expert Reviewed

Depends on the year for which each contribution was made. If both were made for the same year, you are over the limit. If your financial institution did not flag an excess contribution, it seems likely that the contributions were made for different years, but you need to check that with the financial institution.