topic Re: Does Roth IRA Conversion impact Modified AGI?? in Retirement tax questions

Does Roth IRA Conversion impact Modified AGI??

catherinerust — Tue, 10 Feb 2026 11:09:23 GMT

Does the amount converted from a traditional IRA to a Roth IRA impact the "Modified" AGI? Financial experts have revealed that it may or may not impact the Modified AGI. Which financial expert is accurate?

It is clear the impact to AGI and the tax implication, but unclear if it bumps me out of making additional roth IRA contribution which may cause an excess in contributions. Please help.

Re: Does Roth IRA Conversion impact Modified AGI??

MinhT1 — Fri, 06 Dec 2024 19:03:44 GMT

The conversion of a traditional IRA to a Roth IRA is a taxable event which increases your AGI (line 11 of Form 1040), but doesn't increase your Modified AGI for Roth IRA purposes, as any income resulting from the conversion is subtracted from your AGI.

See this worksheet 2-1 on page 40 of IRS Publication 590-A.

Re: Does Roth IRA Conversion impact Modified AGI??

catherinerust — Sat, 24 Feb 2024 14:50:04 GMT

Thank you. This was very helpful.