topic Re: IRA conversion in Get your taxes done using TurboTax

IRA conversion

akamrbill47 — Mon, 09 Mar 2026 06:10:45 GMT

Can a RMD , from a Traditional IRA be rolled over to a Roth IRA, via the back door rollover?

Re: IRA conversion

VolvoGirl — Sun, 13 Feb 2022 20:05:30 GMT

No. You have to take the RMD and pay tax on it. But You can use the money from the RMD to fund a new contribution if you have earned income to qualify to make a contribution.

Re: IRA conversion

DanaB27 — Sun, 13 Feb 2022 20:21:46 GMT

No, RMD cannot be rolled over or converted (IRS). The exception only applied to 2020.

Re: IRA conversion

akamrbill47 — Sun, 13 Feb 2022 22:19:09 GMT

I did report it as income and will pay tax on the RMD.

I am retired and have no "earned" income.

I thought a "backdoor" roll over was possible.

Re: IRA conversion

fanfare — Sun, 13 Feb 2022 22:58:38 GMT

for a backdoor to work your starting IRA balance must be zero.

That means your RMD had to draw down the entirety of all your IRAs to zero.

BUT

with no earned income, an IRA contribution is not allowed.