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tcmartin1964
Level 1
February 8, 2022
Question

Do direct contributions to a Roth IRA count separately than doing a conversion to a Roth?

  • February 8, 2022
  • 2 replies
  • 0 views
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2 replies

S
Alumni - Champ
SweetieJeanAlumni - Champ
Alumni - Champ
February 8, 2022

They are separate.  A Roth contribution is not deductible.  A conversion to a Roth is taxable.

D
DanaB27
Level 15
February 8, 2022

Yes, they are different.

 

Contributions to a Roth IRA are entered as contributions (they are nondeductible):

  1. Login to your TurboTax Account 
  2. Click on "Search" on the top right and type “IRA contributions”
  3. Click on “Jump to IRA contributions"
  4. Select “Roth IRA”

 

 

A Roth conversion is entered under the retirement section and is taxable (unless you had nondeductible contributions in the traditional IRA):

 

  1. Login to your TurboTax Account 
  2. Click on "Search" on the top right and type “1099-R”
  3. Click on “Jump to 1099-R”
  4. Click "Continue" and enter the information from your 1099-R
  5. Answer questions until you get to “Tell us if you moved the money through a rollover or conversion” and choose “I converted some or all of it to a Roth IRA”
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