topic Re: Back door Roth Question in Retirement tax questions

Back door Roth Question

bdavi1 — Mon, 13 Apr 2026 06:16:28 GMT

In March 2026, I did a late Backdoor Roth contribution and need to know if I need to report it on my 2025 taxes. If so, how do I do that if I didn't receive a 1099-R? I used my brokerage account to make the contribution first to a traditional IRA and then the funds were converted over to the Roth IRAs. Since this was done this year, is it still considered a contribution in 2025 for the traditional IRA and do I need to fill out the 8606 form?

Re: Back door Roth Question

NCperson — Mon, 13 Apr 2026 10:08:25 GMT

@bdavi1 the contribution goes on your 2025 tax return.

the conversion from the Trad to the Roth is a 2026 transaction and the 1099-R will be sent to you next year.

The 1099-R reports the conversion, not the contribution.

Re: Back door Roth Question

baldietax — Mon, 13 Apr 2026 12:21:03 GMT

see steps here - the contribution is backdated to prior tax year but the conversion is reported in the calendar year it is made once you have the 1099-R. The contribution will be reflected on Form 8606 Line 1 and 14 which will carry over to your 2026 8606 Line 2 as the basis for the conversion you would report in the 2026 tax year once you have the 1099-R

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