Backdoor Roth Pro-Rata Calculator
Calculate the tax implications of converting traditional IRA funds to Roth IRA when you have existing traditional IRA balances.
Input Values
Enter your IRA balances and conversion amount
Results
Tax implications of your conversion
Enter values and click Calculate to see results
How It Works
The pro-rata rule applies when you have both pre-tax and after-tax money in traditional IRAs and want to convert to a Roth IRA.
You cannot selectively convert only your non-deductible (after-tax) contributions. Instead, the IRS requires you to convert a proportional mix of pre-tax and after-tax funds based on your total IRA basis.
Formula: Pro-Rata Ratio = Non-Deductible Contributions ÷ (Traditional IRA Balance + Non-Deductible Contributions)
The taxable amount is calculated as: Conversion Amount × (1 - Pro-Rata Ratio)