Planning workspace · reviewed October 10, 2026

Backdoor Roth decision assistant

The assistant helps choose a next step, not an investment or tax recommendation. Missing information should lead to a records task rather than a confident answer.

2025 standard rules · 2026 form projections

This educational decision tree suggests topics to investigate. It cannot determine eligibility, pick your tax strategy or replace a complete return review.

My prior nondeductible IRA basis is reconciledI expect applicable pre-tax IRA holdings at year endI have already completed a Roth conversionI have access to an employer or eligible Solo 401(k) planA SIMPLE IRA may be within its initial two-year periodDecember 31 of the conversion year has already passed

Based on your answers, investigate these next steps

Reconcile documents

Confirm transaction year, IRA ownership and custodian records before acting.

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Establish basis first

Review filed Forms 8606 and reconstruct missing records with a tax professional.

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Model pro-rata exposure

Applicable IRA balances share one allocation. Compare partial and full conversions and account for tax cost.

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Reviewed October 10, 2026. IRS reference. 2026 Form 8606 output is a planning estimate based on the 2025 structure.

Follow the evidence

Start by checking documented basis and relevant IRA balances. If these are unknown, gather them before comparing strategies. If a reverse rollover is being considered, confirm the plan's policy first.

Keep a review list

Write down account restrictions, required distributions and unusual reporting questions. Use the output to organize a professional review instead of treating it as permission to act.

Sources and next steps

Reviewed October 10, 2026. This independent educational website is not affiliated with the IRS. Special transactions need professional review.

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