topic Claiming a backdoor roth conversion in Retirement tax questions

Claiming a backdoor roth conversion

Kevin1970 — Fri, 13 Feb 2026 22:30:43 GMT

I made a non deductible backdoor Roth IRA contribution total of 6700$ in 2025. I made an additional contribution of 300$ in January of this year 2026 for year 2025 to max my total 7000$ allowed by irs. I only received a 1099r for 6700$ from Schwab and they’re telling me I won’t get a 1099 for the 300$ until January of 2027. Is this correct? What do I claim on my 2025 taxes for the 8606 form 6700$ or the total of 7000$?? This is first year filing having done the backdoor method.

Re: Claiming a backdoor roth conversion

baldietax — Sat, 14 Feb 2026 00:16:58 GMT

that's correct, think of backdoor Roth as 2 separate transactions - (1) the non-deductible contribution; (2) a Roth conversion. You can backdate the contribution to prior tax year, but the conversion will apply to the current calendar year - so you'll get a 1099-R next year for the $300.

when you file for 2025 you would put in a $7000 contribution and also follow the questions about how much of it was contributed this year for 2025. your 1099-R will show a conversion for $6700 on the 8606, the end result should be a tax-free conversion of $6700 and you will have a basis carryover of $300 which will apply for your 2026 taxes.

the contributions are limited but the conversions are not, so say you do a backdoor this year for $7500 and do it all this year, then on your 8606 for 2026 you will have a basis carryover of $300 plus the $7500 contribution, for a total basis of $7800, and your 1099-R(s) will reflect a total Roth conversion of $7800 also.

Re: Claiming a backdoor roth conversion

Kevin1970 — Sat, 14 Feb 2026 18:37:53 GMT

Thank you for that detailed answer. I assume if I contribute all 7500$ for 2026 plus the 300$ carry over the irs won’t say I’m over the limit? I assume they’ll recognize 300$ of it was from a late contribution for 2025. I did look at an 8606 online and saw there’s a line dedicated to “how much of this contribution from line 1 was made between january1- April 15” so I should be ok I’m hoping. I also assume turbo tax will auto create the 8606 and fill it in for me? I’ll have to see a cpa if not lol.

Re: Claiming a backdoor roth conversion

baldietax — Sat, 14 Feb 2026 18:45:34 GMT

yes Turbotax will fill in the 8606, the questions on non-deductible contributions, basis carryover, value of IRAs as of 12/31/25, and Roth conversion amounts etc all flow into 8606. But do review the outcome on this form and your 1040 line 4b. Hopefully no CPA required, 8606 is fairly straightforward to follow.

and yes to your assumption - the $300 does NOT affect your contribution for 2026 as you would have already recorded that against 2025 (make sure in your brokerage account it was designated as a 2025 contribution also otherwise your Form 5498s will be off - those usually come in May).

Re: Claiming a backdoor roth conversion

Kevin1970 — Wed, 18 Feb 2026 17:10:25 GMT

I appreciate your knowledge can I ask another question? I entered my numbers this morning for the trad ira/roth section. I don’t think form 8606 was automatically created so I used the tools tab and searched for 8606 and it prompted information to be completed. I checked off all four boxes for traditional and Roth IRA‘s owned for me and my wife, and followed the prompts. Am I supposed to enter contributions for traditional IRA and a Roth IRA because when I did that and went to the end it said I had exceeded my contributions and needed to pull out our 7000 and $8000 contributions that we had exceeded the limits. I did max out my account and converted the entire amount, when I went back in and deleted the Roth contributions. It seemed to be OK. It just told me this time that I wouldn’t get the deductions because we’re over the income limit. Did I fill this out correctly? I dont remember seeing anything that asked me specifically “were these contributions converted to an Roth” per se. does this sound right and Is there a way to view and confirm it created an 8606 before I pay for it and file? I used the tools tab print and view but it prompts me to pay first. Thanks so much!

Re: Claiming a backdoor roth conversion

baldietax — Wed, 18 Feb 2026 22:49:12 GMT

Hey sorry missed your reply inbetween all the other chaos here

so you need to enter it in 2 parts... the IRA part under Deductions & Credits all you are entering is the non-deductible contribution, and it sounds correct at the end when it says you are not getting the deduction as you want it to be non-deductible. you did not make a Roth contribution you did a Roth conversion so don't enter anything about Roth contribution here.

and then under Wages & Income you should have input the 1099-R from Schwab for the conversion from your Trad IRA to the Roth IRA, and after inputting that 1099-R there are a series of questions where you can specify that you converted that money to Roth.

here are the official steps to follow which should help:

https://ttlc.intuit.com/turbotax-support/en-us/help-article/retirement-benefits/enter-backdoor-roth-ira-conversion/L7gGPjKVY_US_en_US

as suggested on the page above you can do an initial check on lines 4a/4b of your 1040 which should be viewable even before you pay for TT Online. Once you've paid you will be able to view the 8606 in your PDF with all forms and worksheets.

Re: Claiming a backdoor roth conversion

Kevin1970 — Thu, 19 Feb 2026 03:41:52 GMT

Awesome I went back and looking in the wages and income where the 1099r is entered. I did see the questions “was all or part of this converted to a Roth”. I must’ve forgotten it was there or missed it I’m not sure. I’m pretty confident it’s correct now.

i greatly appreciate your help. Somehow I ended up with 1$ over my contribution limit. My last conversion in December was like $800.46. I converted the entire amount so my trad ira would have a zero balance to avoid a pro rata rule issue in the future. Well the .46 rounded up apparently now I have to remove it to my brokerage. Lesson learned. Thanks again.