Assuming you are working on your 2025 return:
A backdoor Roth IRA allows you to get around income limits by converting a traditional IRA into a Roth IRA. You'll get a Form 1099-R the year you make the conversion. Contributing directly to a Roth IRA is restricted if your income is beyond certain limits, but there are no income limits for conversions.
Your 1099-R from the distribution of the traditional IRA funds will say code 2 in box 7 (or code 7 if your age is over 59 ½) .
You should report your conversion for the year you receive this 1099-R:
- If you received a 2025 1099-R in 2026, complete both steps below to report it on your 2025 taxes.
- If you'll receive a 2026 1099-R in 2026, wait to report it on your 2026 taxes. In this case, only complete Step 1 below for your 2025 taxes. You’ll complete the second step next year when filing your taxes for 2026.
Reporting a backdoor Roth conversion is a two-step process. Please see this help article for the steps to complete for both TurboTax Online and TurboTax Desktop.
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