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Backdoor Roth IRA Calculator 2026

Calculate the pro-rata rule tax impact when converting a traditional IRA to Roth — avoid surprises at tax time.

🚪 Your IRA Conversion Details

🧮 Backdoor Roth Conversion Analysis

Tax-Free Portion
Taxable Portion
Tax Owed
Net Roth Amount

🚪 Open your Roth IRA today

Fidelity has no minimums, no account fees, and commission-free index funds — the easiest place to execute a backdoor Roth conversion.

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📋 How the Pro-Rata Rule Works

The IRS treats all your traditional IRA funds as one pool. If you have pre-tax money mixed with after-tax contributions, you can't choose which dollars to convert — each conversion is proportionally taxable.

Tax-free % = After-Tax Contributions ÷ Total IRA Balance
Taxable Amount = Conversion Amount × (1 − Tax-Free %)

Tip: Roll pre-tax IRA funds into your employer 401(k) first to make the backdoor Roth 100% tax-free.

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⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.