Form 8606

[garrettbuck512]

I did my first backdoor roth conversion in 2025, and am struggling with how to file this as the questions online all seem to ask about 2024 and prior year's 8606, which I don't have because this is my first year doing this.

Specifically, I

1) Selected Traditional IRA checkbox 

2) Is this a repayment of a retirement distribution you received? 

I put "No.

3) Enter the total amount of contributions you put into a traditional IRA for 2025, even if you later transferred some or all of it to a Roth IRA. 

Box 1 I put 7000.  Box 2 didn't apply to me.

4) Did you recharacterize any of the traditional IRA contributions for 2025 over to a Roth IRA contribution? 

I put "No.

5) Did you contribute more money to this IRA than was allowed in 2024 or any previous year?

I put "No."

6) Did you have any nondeductible IRA contributions to your traditional IRA from 2024 or prior years?

Nondeductible contributions are tracked on Form 8606 in your prior year returns.

I put "No." 

7) Value of Traditional IRA on Dec. 31, 2025.  

I put $1, because the rest of it was moved to a Roth IRA.

That's all the options I get.  The one question thaat asked me about this being a nondeductible IRA was asking about 2024... not 2025.

How are the forms for new Roth IRA conversions for 2025 having these Form 8606s created?  

Thanks.

[baldietax]

see here for the instructions on backdoor Roth entry.  if you don't qualify for a deductible contribution then Turbotax may assume it's non-deductible so you're not getting a question to elect it

you also need to input the 1099-R and answer the questions that come after that entry to specify it was a Roth conversion.

https://ttlc.intuit.com/turbotax-support/en-us/help-article/retirement-benefits/enter-backdoor-roth-...

I don't understand what you mean by "How are the forms for new Roth IRA conversions for 2025 having these Form 8606s created?" - but hopefully the above helps.

If you are on desktop you can check the outcome on Form 8606 and Line 4b of your 1040, in Online you will need to have paid and review 8606 in the PDF with all forms and worksheets.

If you did have $1 left in the IRA at year-end you may end up with $6999 converted tax-free with $1 basis carryover on Form 8606 and tax owed on $1 income 🙂