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Backdoor Roth IRA 2026: Complete Step-by-Step Guide

FinWise Editorial TeamMarch 13, 20269 min read

Table of Contents

Mega Backdoor
Conclusion

The backdoor Roth funds a non-deductible Traditional IRA contribution, then converts to Roth. IRS pro-rata rules blend all Traditional IRA balances—avoid surprises.


Mega Backdoor


Some 401(k) plans allow after-tax contributions rolled to Roth—separate strategy with higher limits.


Conclusion


Use Form 8606 and consult a CPA if you have existing IRA balances.

backdoor RothRoth IRAconversionpro rata

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