Backdoor Roth IRA Calculator

It is a strategy for high earners (above Roth income limits) to contribute to a Roth IRA indirectly by making a non-deductible traditional IRA contribution and then converting it.

The IRS treats all your traditional IRA balances as one pool. If you have pre-tax funds, a portion of any conversion is taxable proportionally.

Roll your pre-tax IRA funds into a 401(k) before year-end. With no pre-tax IRA balance, the entire non-deductible contribution converts tax-free.