topic Re: Backdoor Roth Next Year in Retirement tax questions

Backdoor Roth Next Year

dbo12 — Mon, 23 Feb 2026 11:16:53 GMT

Due to timing, my $4,000 non deductible contribution into my traditional IRA was still in my Traditional IRA as of 12/31/22 and comprised the full balance. I want to convert this to a Roth.
To avoid being taxed again as distribution when I convert to Roth in 2023, would filing form 8606 for the non deductible contribution in 2022 make this work as intended when converting the $4,000 to Roth in 2023?

Re: Backdoor Roth Next Year

Anonymous_ — Mon, 02 Jan 2023 15:40:00 GMT

@dmertz

Re: Backdoor Roth Next Year

dbo12 — Mon, 02 Jan 2023 15:49:30 GMT

For clarity, the $4,000 is my full IRA balance.

Re: Backdoor Roth Next Year

Hal_Al — Mon, 02 Jan 2023 16:37:28 GMT

Q. To avoid being taxed again as distribution when I convert to Roth in 2023, would filing form 8606 for the non deductible contribution in 2022 make this work?

A. Yes. The filing of form 8606 for a non deductible 2022 contribution is mandatory, whether or not you plan to convert it in 2023. TurboTax will generate form 8606 automatically, when you designate, in the interview, that the 2022 contribution is a non deductible Traditional IRA contribution.