Note: If your TurboTax navigation looks different from what’s described here, learn more.
Step 1: Enter the Non-Deductible Contribution to a Traditional IRA
- Sign in to your TurboTax account.
- Open your return if it’s not already open.
- Select Federal from the menu, then Deductions & Credits.
- Locate the Retirement and Investments section and select Show more.
- Select Start or Revisit next to Traditional and Roth IRA Contributions.
- Check the Traditional IRA box and select Continue.
- Answer Yes to the question, Did you Contribute To a Traditional IRA?
- Answer No to the question, Is This a Repayment of a Retirement Distribution?
- On the screen, Tell Us How Much You Contributed, enter the amount contributed and select Continue.
- Answer No on the screen Did You Change Your Mind?, then answer the questions on the following screens.
- When you reach the Choose Not to Deduct IRA Contributions screen, select Yes, make part of my IRA contribution nondeductible, enter the amount you contributed, then select Continue. If none of your contribution can be deducted, you won't see the option to make part of it nondeductible. Instead, the full amount of your contribution will automatically be nondeductible.
- Select Continue on Your IRA Deduction Summary.
Step 2: Enter the Conversion from a Traditional IRA to a Roth IRA
- Select Wages & Income.
- Locate the Retirement Plans and Social Security section and select Show more, then select Start or Revisit next to IRA, 401(k), Pension Plan Withdrawals (1099-R).
- Answer Yes to Did you get a 1099-R in 2023?, then Continue.
- If you land on the screen, Your 1099-R Entries, select Add Another 1099-R.
- Select how you want to enter your 1099-R (import or type it in yourself) and follow the instructions.
- Answer the questions on the following screens, until you reach Tell us if you moved the money through a rollover or conversion.
- Select I converted some or all of it to a Roth IRA and Continue.
- Next, choose Yes, all of this money was converted to a Roth IRA.
- Continue answering questions until you come to the screen, Your 1099-R Entries.
To check the results of your backdoor Roth IRA conversion, see your Form 1040:
- From the menu, select Tax Tools, then Tools (If you're currently using the TurboTax Mobile app, you'll need to sign in to the web browser version).
- Under Tools Center, select View Tax Summary.
- From the side menu, select Preview my 1040.
- Your backdoor Roth IRA amount should be listed on Form 1040, Line 4a as IRA distributions.
- Taxable amount should be zero unless you had earnings between the time you contributed to your Traditional IRA and the time you converted it to Roth IRA, in which case the earnings would be taxable.
- Schedule 1, Line 20, IRA deduction should be blank.
- Select Back to return to where you left off in TurboTax.