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fin.backdoor-roth-ira Calculator
Calculates the pro-rata tax on a backdoor Roth IRA conversion from pre-tax and after-tax IRA balances. High-income earners who exceed the direct Roth contribution limit use the backdoor method — the pro-rata rule applies if any pre-tax IRA money exists.
Inputs
Traditional Ira Pretax
Reference formula or conversion factor shown for context.
Non Deductible Contribution
Reference formula or conversion factor shown for context.
Converted Amount
Reference formula or conversion factor shown for context.
Marginal Rate Pct
Percentage paid as tax. After-tax return = pre-tax return × (1 − tax rate). Enter as a percentage (e.g. 25 for 25%).
Results
tax due on conversion
Sample size or count used in the calculation.
taxable ratio (pro-rata rule)
The proportional relationship between two quantities.
clean backdoor (no pre-tax IRA)
Sample size or count used in the calculation.
pro-rata trap
The value at the specified point or condition.
solution
Sample size or count used in the calculation.
2024 Roth IRA limit
Reference formula or conversion factor shown for context.