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New Member
posted Feb 16, 2026 5:31:40 PM

Back door Roth IRA Form 1040 line 4B

I followed the instructions found at "How do I enter a backdoor Roth IRA conversion?" in the F1 Help.  But when I checked the results of the backdoor Roth IRA conversion (as it says to below) on Form 1040, Line 4B Taxable amount was showing as $8000 instead of zero, as it should have been.   Why ?  What did I possibly enter incorrectly?

 

To check the results of your backdoor Roth IRA conversion, see your Form 1040:

  • Select Forms from the menu.

  • Select Form 1040 from the menu.

  • Use the scroll bar to find:

    • Line 4a IRA Distributions. Your backdoor Roth IRA amount should be listed.

    • Line 4b Taxable amount should be zero, unless you had earnings between the time you contributed to your Traditional IRA and the time you converted it to a Roth IRA.

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1 Replies
Employee Tax Expert
Feb 17, 2026 6:00:32 AM

Try reviewing your entries in the Traditional IRA contribution section.  If the conversion is showing as taxable, then the Traditional IRA contribution may not have been non-deductible.  

 

You can also take a look at your Schedule 1 line 20 to see if it has a value there or if it is blank.  If there is a value, then the Traditional IRA contribution is being deducted when it shouldn't be.

 

Review the instructions again, paying close attention to step 1 of the process:

 

How do I enter a backdoor Roth IRA conversion?