Dirty Roth Conversion

JYM89 — Sat, 12 Apr 2025 21:40:37 GMT

Hi all,

I contributed to my Roth IRA in 2024 without realizing I would not be eligible when Married Filing Separately.

I ended up recharacterizing this money to a Traditional IRA in early 2025.

Because it was done before tax day, is this a reportable recharacterization? Or would it be treated as if the money was always in the Traditional IRA?

I then did a backdoor Roth conversion in 2025 for 2024 but waiting for my 1099-R to come next year to report the conversion.

Thank you in advance

Re: Dirty Roth Conversion

fanfare — Sun, 13 Apr 2025 03:26:13 GMT

recharacterization: the original amount to the first IRA you report as contribution to the second IRA, earnings move but that is ignored.
You must use a trustee-to-trustee transfer before the due date April 15,2025 ( or Oct 15, 2025 if 1040 was timely filed or extended).
You will instruct trustee to calculate the allocable earnings.

report this on your tax return for the year during which the contribution was made.
Treat the contribution as having been made to the second IRA on the date that it was actually made to the first IRA.
@JYM89

to report a non-deductible contribution, Form 8606 must be attached.
-

topic Re: Dirty Roth Conversion in Retirement tax questions

Dirty Roth Conversion

Re: Dirty Roth Conversion