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401(k) & Retirement

Backdoor Roth IRA Eligibility Calculator

High income phasing you out of a Roth IRA? Check your eligibility, the pro-rata tax trap, and the steps to a clean backdoor Roth conversion.

Your details

Roth IRA eligibility

Direct contribution

$0

Use the backdoor Roth instead

Phase-out range (2025)$150,000 – $165,000
Your MAGI$200,000
Max contribution (your age)$7,000
Backdoor Roth — pro-rata check
No pre-tax IRA balance — you can do a clean backdoor Roth with no pro-rata tax.
Clean backdoor Roth checklist
  • Clear any pre-tax Traditional/SEP/SIMPLE IRA (roll into a 401(k))
  • Contribute (nondeductible) to a Traditional IRA
  • Convert to Roth soon after — keep the gap small
  • File Form 8606 to report the nondeductible basis
  • Avoid contributing to pre-tax IRAs later in the year

Uses 2025 IRS limits; 2026 figures adjust for inflation. The backdoor Roth is a legal strategy but the pro-rata rule and the step-transaction doctrine matter. Confirm with a tax professional.

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Educational estimate only. This calculator provides general estimates and is not financial, tax, legal, or immigration advice. Rules change and vary by state, visa status, and individual circumstance. Consult a qualified professional before acting. See our full disclaimer.

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