ClearYear/Calculators

Retirement

Backdoor Roth Pro-Rata Calculator

Estimate the taxable portion of a Roth conversion when pre-tax IRA dollars exist.

Use this for

  • backdoor Roth users
  • rollover IRA cleanup
  • CPA prep
Non-taxable conversion part$608
Taxable conversion part$6,892
Non-taxable ratio8.11%
Total IRA balance counted$92,500

This simplified pro-rata view looks at IRA balances, not 401(k) balances.

What changes the result

Small input changes can move the answer quickly.

The pro-rata rule looks across IRA balances.

Existing pre-tax IRA money can make a conversion taxable.

401(k) balances are not part of this simplified IRA ratio.

Next tools

Useful follow-ups

RetirementRoth phaseoutRetirementIRA contributionRetirementSolo 401(k)