Backdoor Roth IRA Calculator 2026
Check Roth IRA eligibility, phase-out limits, earned income limits, and Backdoor Roth Pro-Rata considerations.
Analyze Roth IRA Eligibility
Enter your filing status, age, MAGI, earned income, and whether you have pre-tax IRA balances.
How This Calculator Works
- Applies 2026 Roth IRA MAGI phase-out ranges by filing status.
- Applies age-based IRA contribution limits and your earned income cap.
- Flags when a Backdoor Roth may be available.
- Estimates Pro-Rata exposure when pre-tax IRA balances exist.
Example Scenario
A single filer with MAGI above the direct Roth IRA phase-out range may not be able to contribute directly. If they have no pre-tax Traditional, SEP, or SIMPLE IRA balances, a Backdoor Roth may be relatively straightforward. If pre-tax IRA balances exist, the Pro-Rata Rule may make part of the conversion taxable.
Educational disclaimer: Backdoor Roth conversions generally require careful tax reporting, including Form 8606. Consult a qualified tax professional for your situation.