topic Backdoor Roth in Investing

Backdoor Roth

aznkk82 — Sat, 14 Mar 2026 21:06:40 GMT

So I did a backdoor roth of 7000 in 2025.

I filled in my numbers and I see IRA Distribution - taxable - 7000 .... Is this correct?

Re: Backdoor Roth

MindyB — Sat, 14 Mar 2026 22:00:37 GMT

No, that doesn't sound correct. To complete the backdoor Roth reporting correctly, you must complete two separate sections (income and deductions). You will need to enter the traditional IRA contribution you made in the deductions and credits section, ensuring you marked it as non-deductible if your income would otherwise allow you to take a deduction. You'll then enter the 1099-R you received to report the rollover- make sure you make the selection that you rolled all of it to a Roth.

To check if the Roth conversion worked as it should, here is how you can check: go to Tax Tools on the left of your screen, choose Tools, then View Tax Summary. On the left of the screen, select Preview my 1040, and check that line 4a show the full distribution and line 4b is either $0 or a small amount if you had earnings in excess of your contribution.

To review the steps in full to create a backdoor Roth conversion, here is a reference: How do I enter a backdoor Roth IRA conversion?

Re: Backdoor Roth

aznkk82 — Sat, 14 Mar 2026 23:50:24 GMT

thanks both 4a and 4b are 7000

Re: Backdoor Roth

aznkk82 — Sun, 15 Mar 2026 02:21:37 GMT

I followed the instructions and fixed it. Now my refund is more.
I'm assuming my original filling thought I was taking 7000 from IRA, so I got penalized on it.

Another question do I need to file a Form 8606?

Re: Backdoor Roth

Karis_F — Tue, 17 Mar 2026 13:49:24 GMT

Yes. Form 8606, Nondeductible IRAs is created when you enter the nondeductible IRA section of the Backdoor Roth IRA entry. This form will be filed with your tax return.