topic Re: Help with Split-Year Backdoor Roth IRA Filing in Retirement tax questions

Help with Split-Year Backdoor Roth IRA Filing

madams135 — Wed, 11 Feb 2026 09:12:31 GMT

When filing 2022 taxes last April( 2023), I noticed that I exceeded the Roth income limits. I opened a tIRA and recharacterized the 2022 $6k, and then converted back to Roth to complete the backdoor Roth. On my form 8606, I had the following: Line1:6000, Line3:6000, Line14:6000. This is correct for a split-year to the best of my knowledge.

Fast forward to 2024 and I received two form 1099-R’s for 2023, one with distribution code 2 and one with code R. I have entered both in the tax software, and appear to not be getting taxed on that backdoor roth. I did not have an income phaseout for 2023, so i only contributed $6500 to my Roth, and should be able to do so moving forward without needing to utilize backdoor method. I noticed that no form 8606 was populated for this tax year. Is this correct, should I have an 8606 this year? Will this cause a possible audit issue due to the prior year split-year backdoor roth? Should I have only needed to enter the 1099-Rs, even both of them? Appreciate any help or guidance that can be given.

Re: Help with Split-Year Backdoor Roth IRA Filing

madams135 — Thu, 04 Apr 2024 17:20:04 GMT

Is there anybody out there?

Re: Help with Split-Year Backdoor Roth IRA Filing

DanaB27 — Sun, 07 Apr 2024 16:24:41 GMT

No, you should have Form 8606 if you entered the conversion correctly for Form 1099-R code 2. Please review the instructions Step 2: How do I enter a backdoor Roth IRA conversion?

Also, make sure you click continue after entering all Form 1099-Rs and enter your basis from your 2022 Form 8606 line 14 when TurboTax asks " Any nondeductible Contributions to your IRA? "