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New Member
posted Jun 6, 2019 5:41:07 AM

Can I convert money from a traditional IRA to a Roth IRA if I did not work this year? can I still be claimed as an adult dependent by my mother?

Would I need to limit the amount of the conversion, so I could be claimed my mother.  Would we both need to file

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1 Best answer
Level 15
Jun 6, 2019 5:41:08 AM

You can convert  (but not contribute) any time, but it is taxable. For Federal, your Mom can still claim you if your total income is less than $4,050 assuming the other dependent requirements are met. State taxes may be different.

Your situation may be different if you are a full time college student under age 24 at 12/31/2017. 

11 Replies
Level 15
Jun 6, 2019 5:41:08 AM

You can convert  (but not contribute) any time, but it is taxable. For Federal, your Mom can still claim you if your total income is less than $4,050 assuming the other dependent requirements are met. State taxes may be different.

Your situation may be different if you are a full time college student under age 24 at 12/31/2017. 

Level 15
Jun 6, 2019 5:41:09 AM

Three years ago, you asked about a dependent of your own. Is that still the case?  You cannot be Mom's dependent and still claim your own dependent.

New Member
Jun 6, 2019 5:41:10 AM

I don't remember asking about my dependent. I have no dependents.  I am my parent's dependent.

New Member
Jun 6, 2019 5:41:12 AM

If I convert the 4050, would I need to file or would mom just file with me as dependent

Level 15
Jun 6, 2019 5:41:13 AM
Level 15
Jun 6, 2019 5:41:15 AM

Do you have any other type of 2017 income, such as unemployment comp? What is you resident state?

New Member
Jun 6, 2019 5:41:16 AM

I have no other income and I live in IL

Level 15
Jun 6, 2019 5:41:18 AM
Level 15
Jun 6, 2019 5:41:19 AM

If you want to be your mom's dependent, you cannot convert more than $4049.

New Member
Jun 6, 2019 5:41:21 AM

if I do the conversion and then my mother claims me as a dependent, do I still need to file my own taxes as well as be claimed on hers

Level 15
Jun 6, 2019 5:41:22 AM

Yes, you will have to file a tax return, for the conversion, even though you are claimed as a dependent, on someone else's return. You will pay about $300 federal income tax on $4049 conversion