Why sign in to the Community?

  • Submit a question
  • Check your notifications
Sign in to the Community or Sign in to TurboTax and start working on your taxes
New Member
posted Dec 31, 2023 2:33:46 PM

Form 8606 line 2 Backdoor Roth IRA

I recently discovered the idea of backdoor Roth IRA, and decided to move forward with it. I have been contributing to a traditional IRA for a few years now. Following all the rules correctly. The money that I have in my traditional IRA, I have always paid taxes on.

 

So this is my first year ever doing a conversion. I converted the full $23,000 that was in my traditional IRA into a Roth. l've never filled this form before because l've never done a conversion before. I paid all the taxes on $23,000 that was in my traditional IRA because I forced to due to income limits.


Now, what do I put on line 2? How do I go about not having to pay taxes on the $23,000 again?

 

 

0 3 415
1 Best answer
Level 15
Jan 1, 2024 6:37:38 AM

If you made no nondeductible traditional IRA contributions prior to 2023 (contributions which would have been required to be reported on line 1 of Forms 8606 for tax years prior to 2023), nothing goes on line 2 of your 2023 Form 8606 (unless you did a rollover to a traditional IRA of some amount of after-tax funds in an employer plan which you have not mentioned).

3 Replies
Level 15
Dec 31, 2023 2:45:54 PM

Read the instructions for Part 1. Seems to me you don’t fill out anything in that part. Part 2 has you calculate your basis and exempts you from tax by having you subtract your basis ($23,000) from your amount converted ($23,000).

 

Level 15
Jan 1, 2024 6:37:38 AM

If you made no nondeductible traditional IRA contributions prior to 2023 (contributions which would have been required to be reported on line 1 of Forms 8606 for tax years prior to 2023), nothing goes on line 2 of your 2023 Form 8606 (unless you did a rollover to a traditional IRA of some amount of after-tax funds in an employer plan which you have not mentioned).

Level 15
Jan 1, 2024 6:54:22 AM

If you have a basis and convert, a portion is non-taxable. (See Form 8606)

The basis comes from the earlier contributions that you paid tax on.

Form 8606 is required for each year you make a non-deductible contribution.

 

@Cjb36