topic Backdoor Roth IRA conversion in Get your taxes done using TurboTax

Backdoor Roth IRA conversion

bikjen19 — Wed, 11 Mar 2026 16:11:30 GMT

I contributed in Traditional IRA and then I did a backdoor Roth IRA conversion. Will I be taxed on that conversion? If so how does that work?

Re: Backdoor Roth IRA conversion

MarilynG1 — Wed, 11 Mar 2026 16:16:22 GMT

A properly executed Backdoor Roth IRA (non-deductible Traditional contribution + immediate conversion) should not result in taxes, provided you correctly report the transaction in TurboTax to establish a "basis." The conversion is only taxable if you have other pre-tax Traditional IRA balances or if the contribution grew before conversion (earnings).

Here's more info on How to Enter a Back-Door Roth Conversion.

@bikjen19

Re: Backdoor Roth IRA conversion

garyl888 — Thu, 12 Mar 2026 00:44:51 GMT

I have a traditional IRA for over 5 years and it had a high value of $15000. In 2025, I learned about conversion to Roth IRA and the value was down to $11,000. I received a 1099-R showing my $11,000 withdraw. Are you saying I won't get taxed on this? Isn't $11,000 added to my overall income and increases the taxes I have to pay??

Re: Backdoor Roth IRA conversion

RobertB4444 — Thu, 12 Mar 2026 13:41:20 GMT

No, that is not a backdoor Roth conversion, that is just a conversion from a traditional IRA to a Roth. For that conversion you will be taxed and it will add to your income.

Here is some more information on backdoor Roth conversions. It's really just a long way around to contributing to your Roth when you make too much money to be allowed to do so otherwise.