Backdoor Roth IRA Calculator
See if the Backdoor Roth strategy works for you — including the critical pro rata rule that could trigger unexpected taxes.
✓ 2026 IRS Data
✓ Pro Rata Rule Analysis
Your Information
Roth IRA contribution limit for 2026. Includes catch-up for 50+.
Traditional IRA, SEP-IRA, or SIMPLE IRA balances. This triggers the pro rata rule.
Your current federal marginal tax bracket.
Your Backdoor Roth Analysis
Tax-Free Growth Advantage
$0
Roth Value at Retirement
$0
Taxable Equivalent
$0
Tax on Conversion
$0
Your Backdoor Roth Process (Each Year)
Roth vs. Taxable Growth
How the Backdoor Roth's tax-free growth compounds over time
Year-by-Year Growth Projection
| Year | Age | Contribution | Roth Balance | Taxable Equivalent | Tax-Free Advantage |
|---|