Backdoor Roth IRA Calculator — 2024 Contribution Limits & Tax

Check if you qualify for a direct Roth contribution, and if not, calculate the tax impact of the backdoor Roth using the pro-rata rule.

Your Situation (2024)

Filing Status

Modified AGI ($)

Age (you)

Pre-tax IRA Balance ($)

Non-deductible (after-tax) IRA basis ($)

Marginal Tax Rate (%)

2024 Contribution Analysis

—

Max Contribution

—

Direct Roth Limit

—

Tax on Conversion

2024 IRA contribution limit—

Direct Roth phase-out starts—

Direct Roth phase-out ends—

Your direct Roth max—

Backdoor Roth available—

Pro-rata rule: If you have any pre-tax IRA money (traditional, SEP, or SIMPLE IRA), the IRS treats all your IRAs as one pool when converting. You can't just convert the after-tax portion tax-free. To avoid the pro-rata rule, roll pre-tax IRA funds into your 401(k) before doing the backdoor Roth.