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Level 1
posted Feb 26, 2022 11:46:38 AM

Back Door Roth - "Choose Not to Deduct Ira Contributions"

I followed what I am fairly certain is the correct process for entering all the relevant information for my back door ROTH contribution.  I followed the steps here: https://thefinancebuff.com/how-to-report-backdoor-roth-in-turbotax.html

 

I entered separate 1099-R information for myself and my spouse.  When I entered my information, I got the expected "you don't qualify for an IRA deduction" message. However, when I enter my wife's information I don't get the same message, instead I get a screen asking if I want to deduct my IRA Contributions.  

 

I'm not sure what to do with this.  I pulled up form 1040 on TurboTax and box 4A has the right total amount (my contributions), but 4B has a figure in it (but I think it is supposed to be zero).  Do I fix this by just selecting that I do not want to deduct my IRA contributions (which turns box 4B to zero)? 

 

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1 Replies
Expert Alumni
Feb 26, 2022 12:04:38 PM

Yes, you should make sure that neither of your Traditional IRA contributions is being deducted on your return.  Having them both be non-deductible is what makes the process not taxable on your return.

 

For another resource to follow with regard to entering the information into TurboTax, take a look at the following TurboTax help article:

 

How do I enter a backdoor Roth IRA conversion?