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Level 2
posted Mar 19, 2025 10:05:30 AM

Backdoor roth

Can I contribute to an IRA just to do a backdoor Roth without triggering ratios since I have a sizable rollover IrA from previous jobs (it is all pre tax money)

0 7 1130
7 Replies
Expert Alumni
Mar 19, 2025 10:14:09 AM

Yes, if you make a non-deductible contribution to an IRA, then a backdoor Roth conversion, this will trigger Form 8606 in your return.  You'll be asked about any IRA basis you have.  If you had no other non-deductible IRA contributions, your beginning basis would be $0.

 

Here's detailed instructions on How to Enter a Back-Door Roth Conversion, which is a two-step process.

 

@mmdannunzio 

 

 

Level 2
Mar 19, 2025 10:17:17 AM

Oh. Since all my other IRAS are pre tax, this won’t trigger the form.  Do I need to include this information (contribution and backdoor) with my tax filing 1040 or is it separate ?

Expert Alumni
Mar 19, 2025 10:22:45 AM

You will follow the steps Marilyn provided to enter the backdoor IRA, and you may have the 1099-Rs for the rollover- if it was a direct rollover, you may not receive the 1099-R or it will be coded in Box 7 but if you got a check then added as a rollover, you will the 1099-R and will have to indicate in TurboTax that you rolled over.  @mmdannunzio 

Level 2
Mar 19, 2025 11:36:23 AM

I see. So whatever I do before April 15 gets reported on next years taxes. Meaning if I establish a new non deductible Ira then do backdoor, I report that on next years taxes ?

Expert Alumni
Mar 19, 2025 11:42:47 AM

No, you can do the backdoor IRA in 2025, before April 15 for this tax season, and have it reflected on your 2024 tax return.

Level 2
Mar 19, 2025 11:47:31 AM

I was thinking of doing 16k all at once.  8 for 2024 and 8 for 2025   I wouldn’t have any forms from broker to report anything 

Expert Alumni
Mar 19, 2025 12:16:06 PM

You can do that as long as the broker qualifies them as two separate transactions.  

 

You'll create a substitute 1099-R for this year to reflect the $8000 for 2024.  Then, when you receive the 1099R showing 16000 for 2025 you will change it to 8000 before you enter it into next year's taxes.

 

@mmdannunzio