Backdoor Roth

A strategy concept involving nondeductible IRA contributions and Roth conversion.

Backdoor Roth is a common name for a strategy where a person makes a nondeductible traditional IRA contribution and then converts to Roth. The pro-rata rule, basis records, and Form 8606 reporting are central considerations.

Related terms

Pro-Rata Rule After-Tax Basis Form 8606

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Open the Roth Conversion Calculator to see how this term appears in educational scenario modeling.

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This Roth Conversion Calculator is for educational and illustrative purposes only. It does NOT constitute tax, financial, legal, or investment advice. The calculation results are based on the information you provide and the latest IRS tax rules, which are subject to change. We do not guarantee the accuracy of the results. Please consult a licensed Certified Public Accountant (CPA), financial advisor, or tax professional before making any financial decisions.