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posted Feb 4, 2026 2:12:02 PM

Turbotax not asking about backdoor conversion

I have followed all the steps on this article to report a backdoor Roth IRA conversion.  https://ttlc.intuit.com/turbotax-support/en-us/help-article/retirement-benefits/enter-backdoor-roth-ira-conversion/L7gGPjKVY_US_en_US#

 

I contributed post tax money to a Traditional IRA and then used the backdoor conversion. None of the contributions to my IRA are deductible. Step 1 confirms at the end that my contribution is not deductible.

 

However, when I move to step 2 and include the 1099 - R, I NEVER get asked about this being a backdoor conversion (or anything similar). I keep moving along in the process and I'm told I need to pay a penalty as the income is above the MAGI. 

 

How do I fix this?

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1 Replies
Employee Tax Expert
Feb 4, 2026 7:27:56 PM

"Backdoor" is not an official term, so you won't be asked that directly, you'll just report the 2 transactions as you've done. 

 

If you are not seeing the questions regarding rollovers or conversions, make sure you have checked the box on the 1099-R input that it is an IRA (Wages section). 

 

As well, you should not see any penalties about your income being too high.  Make sure you have marked the contribution as a traditional IRA, not a ROTH (deduction section). If your income is too high and you contributed to a traditional IRA, the system makes it automatically nondeductible.