Backdoor Roth IRA Screener
Filing Status
$
You Can Contribute Directly
No backdoor needed
Under 50$7,500
Age 50+$8,600
Phase-Out Range
Partial contribution allowed
Consider using the backdoor Roth IRA strategy to maximize your contribution.
Use the Backdoor Method
3 simple steps
1
Contribute to a Traditional IRA
Make a non-deductible contribution, up to $7,500 for 2026.
2
Wait a few days
Let the contribution settle in your account.
3
Convert to a Roth IRA
Convert the Traditional IRA balance to your Roth IRA.
This tool uses 2026 income limits and assumes current federal tax law. Tax rates and thresholds may change based on legislation. This is for educational purposes only and does not constitute tax, legal, or financial advice. Please consult a qualified tax professional for guidance specific to your situation.