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Simply put, a backdoor Roth IRA is the act of rolling over a traditional IRA to a Roth IRA. While just about anyone with a traditional IRA can execute a backdoor Roth IRA conversion, it makes the most sense for high income earners. You see, the IRS establishes Roth IRA contribution limits based on your salary. Those who make over a certain salary are not eligible to contribute directly to a Roth IRA; however, they can fund a Roth IRA using this backdoor method.

2. Roth IRA Contribution Limits Dictate The Need for a Backdoor Roth IRA

*use IRS Worksheet 2-2 to determine your reduced Roth IRA contribution limit

Not everyone needs to fund their Roth IRA through the backdoor method. A backdoor Roth IRA is only necessary for high income earners according to the 2019 Roth IRA Contribution Limits table above. Anyone who has a Roth IRA contribution limit of $0 or a reduced amount can fund a Roth IRA via the backdoor method.

4. You Have Until April 15, 2024 to Make a 2023 IRA Contribution

Contrary to popular belief, the IRA contribution deadline is April 15th of every year, not December 31st. This means you can make 2023 IRA contributions until April 15, 2024. In other words, you have a total of 15.5 months between January 1, 2023 and April 15, 2024 to contribute to your IRA accounts.

Because there is an extra step of rolling over funds and since you want to avoid paying taxes on gains, it is recommend that you fund your traditional IRA in a lump sum sometime before the April tax deadline and quickly convert theses funds into a Roth IRA via the backdoor method.

5. You Must Have Earned Income to Fund a Backdoor Roth IRA

If you don’t earn any income during the year, you are not eligible to contribute to an IRA. Earned income does not include:

• Rental income
• Dividend or interest income
• Annuity or pension income
• Unemployment income
• Social Security payments

Additionally, if your income is less than the Roth IRA contribution limit, you can only contribute as much as you earn. For example, the Roth IRA contribution limit in 2023 is $7,500. If you only earn $3,500 in 2023, you can contribute at most $6,000 to an IRA.

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