Backdoor Roth IRA Calculator

Check your direct Roth eligibility and see the real pro-rata tax math before you convert.

Filing status

Your MAGI ($)

Age

Existing pre-tax IRA balance ($)

Traditional, SEP, or SIMPLE IRA — Rollover 401(k)s don't count here.

Direct Roth IRA eligibility (2026 limits)

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Backdoor contribution room this year

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Pro-rata taxable portion of the conversion

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Educational estimate, not tax advice — verify current-year MAGI phase-outs at IRS.gov before filing, and note the pro-rata rule counts every traditional/SEP/SIMPLE IRA you own as of Dec 31, even ones unrelated to this conversion.