Backdoor Roth IRA Contribution Limit Calculator

Calculate your Backdoor Roth IRA eligibility, contribution limits, and tax implications. Navigate income limits with the Backdoor strategy.

Your MAGI for IRA contribution purposes

Amount you plan to contribute to Traditional IRA (max $7k, $8k if 50+)

Affects Traditional IRA deductibility, not Backdoor Roth

Backdoor Roth: Contribute to Traditional IRA (non-deductible) → Convert to Roth IRA. Contribution limit: $7,000 ($8,000 if 50+). No income limit on conversions.
Single, MAGI $170k (above $165k limit), age 40: Direct Roth = No. Backdoor recommended = Yes. Contribute $7,000 to Traditional IRA (non-deductible), convert to Roth tax-free.

What is the Backdoor Roth IRA?

The Backdoor Roth IRA allows high earners (above direct Roth contribution limits) to contribute indirectly: 1) Contribute to Traditional IRA (non-deductible), 2) Convert to Roth IRA. Since 2018, this loophole is permanent. No income limits on conversions. Taxed on pre-tax money in Traditional IRA at conversion.

What are the 2024/2025 Roth IRA income limits?

Direct Roth IRA contributions phase out at: Single: $146k-161k (2024), $150k-165k (2025). Married: $230k-240k (2024), $236k-246k (2025). Above these, you cannot contribute directly to Roth IRA - must use Backdoor method.

What is the Pro-Rata Rule?

The Pro-Rata Rule taxes conversions proportionally based on pre-tax balances in ALL Traditional IRAs. Formula: Taxable% = (Pre-tax IRAs / Total IRAs) × 100. If you have $50k pre-tax and $7k non-deductible, conversion is 88% taxable. To avoid: rollover pre-tax IRAs to 401k before Backdoor.

How much can I contribute to Backdoor Roth?

Contribution limit is $7,000/year ($8,000 if 50+). You can contribute this amount to Traditional IRA (non-deductible if high earner), then convert to Roth. This is NOT an additional contribution - it's a workaround for the income limit. Same $7k limit applies.