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Earn too much for a Roth? There’s a back door.

Check whether a backdoor Roth works for you this year — and whether the pro-rata rule would tax it.

Your situation

01 / YOU
Single
$

Existing IRAs

02 / PRE-TAX
$
%

401(k) and 403(b) balances do not count for the pro-rata rule — only Traditional, SEP, and SIMPLE IRAs.

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Is the back door open for you?

Enter your income, age, and any pre-tax IRA balances to find out.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.