Backdoor Roth IRA Pro-Rata Calculator (Fomu 8606)

Jinsi ya kufanya

1. 1
   Hatua ya 1: fungua Backdoor Roth IRA Pro-Rata Calculator (Fomu 8606) na uweke taarifa zako

   Andika namba au maandishi yako, ongeza faili, au chagua chaguo unazohitaji. Hakuna kinachopakiwa: kila kitu kinabaki kwenye kivinjari chako.

2. 2
   Hatua ya 2: Backdoor Roth IRA Pro-Rata Calculator (Fomu 8606) hufanya nini

   Kazi nje sehemu ya kodi ya nyuma Roth kubadilisha chini ya kanuni pro-rata.

3. 3
   Hatua ya 3: soma matokeo na ulinganishe

   Matokeo huonekana mara moja. Badilisha thamani moja uone jinsi jibu linavyobadilika, kisha ubaki na namba inayofaa kesi yako.

4. 4
   Hatua ya 4: nakili au hifadhi

   Nakili matokeo au yapakue. Kwa uamuzi muhimu, yathibitishe kwa chanzo rasmi au mshauri.

Kuhusu zana hii

Kuingia mchango wako non-kuondoa IRA, yoyote baada ya kodi msingi kutoka miaka iliyopita, thamani mwisho wa mwaka wa nyingine yako jadi, SEP na SIMPLE IRAs na kiasi wewe kubadilisha. chombo hutumia Fomu 8606 pro rata sheria na inaonyesha ni kiasi gani cha ubadilishaji ni taxable.

Sheria ya uwiano

All yako ya jadi, SEP na SIMPLE IRAs ni kutibiwa kama akaunti moja. sehemu ya akaunti hiyo ambayo ni baada ya kodi fedha (msingi) ni sehemu ya ubadilishaji yoyote kwamba ni bure kwa kodi. thamani kutumika ni salio Desemba 31 pamoja na kiasi kubadilishwa mwaka huo.

Mfano wa athari

With a $7,500 non-deductible contribution and $93,000 of pre-tax IRA money, only 7.46% of the conversion is tax free; the rest is taxed. If your other IRAs are empty, the whole conversion is tax free. Some people roll pre-tax IRA money into a workplace 401(k) before December 31 to avoid this.

Mipaka

The 2026 IRA contribution limit is $7,500 ($8,600 at age 50 or older); for 2025 it is $7,000 ($8,000). Enter the value after the conversion in the "other IRAs" box. Form 8606 is required every year you make a non-deductible contribution or convert.

Mfano uliotatuliwa

A $7,500 non-deductible contribution converted right away with $93,000 left in a traditional IRA: total value $100,500, tax-free share 7.46%, so $560 of the conversion is tax free and $6,940 is taxable, which costs about $1,666 at a 24% rate. The remaining basis of $6,940 stays in the IRA.

Vidokezo vya matokeo bora

Angalia kila kisanduku kabla ya kuamini matokeo, kwa sababu nambari moja isiyo sahihi hubadilisha jibu zima. Tumia nambari kamili kutoka kwenye hati ya mshahara, ankara, cheti au mkataba na uandike tarehe uliyohesabu. Viwango, vizingiti na sheria hubadilika mara kwa mara, kwa hivyo kwa kodi, ada na masuala ya kisheria chukulia matokeo kuwa makadirio na uyathibitishe na chanzo rasmi kilichotajwa kwenye ukurasa huu. Unaweza kujaribu hali nyingi unavyotaka; hakuna kinachohifadhiwa wala kutumwa na kupakia upya ukurasa husafisha visanduku.