High earners are blocked from putting money into a Roth IRA directly. The backdoor is a simple, legal two-step that gets you in anyway.
See how it works through one simple example.
You put money into a Traditional IRA, which has no income limit, then convert it to a Roth.
Once in the Roth, it grows tax-free and comes out tax-free in retirement.
It is two steps that take a few minutes at your brokerage.
See how much tax-free growth a yearly backdoor Roth could build.
This is a rough guess. Connect your account to see your real number, down to the dollar.
A simple federal estimate to show the idea, not a tax filing. Real numbers depend on your full situation and current limits, which we confirm before you act.
Connect your account and we check for pitfalls like the pro-rata rule, then guide the two steps.
Free to check. Nothing happens until you say so.
The honest version.
Yes. It is a well-established move the IRS recognizes.
If you hold other pre-tax IRA money, part of the conversion may be taxed. We check first.
A few minutes online, in two steps.
Connect an account or upload last year's return. No card to get your number.
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