Tools

Backdoor Roth calculator

2026 MAGI bands, the $7,500 / $8,600 IRA cap, and the aggregation rule. Read the backdoor Roth guide if pro-rata is new. This does not file Form 8606 for you.

Quick answer: This calculator checks whether MAGI still allows a direct Roth IRA for the year the page labels, how much phase-out room is left, and how much of a backdoor conversion is taxable under the pro-rata rule using the IRA balances you type.

Filing status Modified AGI (MAGI) Age Intended IRA contribution

Pre-tax traditional / SEP / SIMPLE IRA balance Existing after-tax IRA basis (Form 8606 line 14) Ordinary tax rate on a conversion % Can a current 401(k) take an incoming IRA rollover?

2026 result

Educational estimate. 2026 direct Roth phase-out is single / head of household $153,000–$168,000, married filing jointly $242,000–$252,000, married filing separately $0–$10,000 (IRS Notice 2025-67). The IRA cap is $7,500, or $8,600 at age 50+. A reduced limit rounds up to the next $10; if that result is more than $0 but less than $200, Pub. 590-A allows $200. 401(k) balances are not in the IRA pro-rata fraction. After-tax 401(k) room is the mega backdoor. Sequence if the file is messy: PayPal playbook.

What this means for you

What this means for you: a workplace plan does not erase a pre-tax IRA. Pro-rata tax uses the pre-tax balance versus basis. The phase-out numbers are the ones printed on the page and were not changed in this review.

How to use this calculator

Open the Backdoor Roth calculator and keep the sample numbers or replace them with your own. The result updates as you type.
Read the headline figure first, then the breakdown or chart under it.
Use Copy share link if you want those inputs in the URL. The page is an educational estimate, not a filing, approval, or recommendation.

FAQ

What is a backdoor Roth here?

A nondeductible traditional IRA contribution that you convert. The taxable slice depends on other pre-tax IRA money.

What is the pro-rata rule in this calculator?

The conversion is taxable in proportion to pre-tax IRA balances versus after-tax basis, using the amounts you type.

Does a 401(k) balance count in pro-rata?

Not in this model. The page asks for traditional, SEP, and SIMPLE IRA balances.

Educational, not financial advice. Page updated October 24, 2026 — no tax, limit, or rate figure was changed in this review.