今年第一年弄Backdoor Roth IRA，用 TurboTax报的，在是否contribute to traditional IRA 时写了$6000，这时联邦税没有变化，后面填了Switch $6000 from traditional to Roth, 这一步后就收了$300多的 federal tax. 我的理解是放进traditional IRA 的钱已经是税后的了，转成Roth, 为什么又收一遍？是我理解错误还是哪里填错了，有没有弄过的大牛帮我看一下，多谢啦。
回复 1楼Aprilsunshine的帖子 同病相怜。TurboTax后来的解释是家庭收入超过了200k 不可以Roth，否则就要每年交$360 penalty To avoid the $360 penalty, I need to withdraw the $6000 from Roth IRA. 一头雾水中，正在看怎么withdraw
Key points: - You "contributed" to the Traditional IRA. Enter the amount you contributed in the tax year when answering the Traditional IRA contribution question. - You DID NOT "contribute" to the Roth IRA. So any Roth IRA "contribution" amount should be 0. - The tax year end Traditional IRA value should be 0 (since you have rolled it over to Roth). Some notes: - Wages and Income: Keep the 1099-R input unchanged. Answer the "What Did You Do With The Money" question with it having been moved to another retirement account and converted all to Roth. However, this will not reduce the income from the fake distribution. - Deductions and Credits/Traditional and Roth IRA Contributions: This is the place to fix the Roth conversion income. - Rolling Traditional IRA to Roth IRA is not "Contribution", so make sure there are no Roth IRA "contributions". Also it is not "switched" or "recharacterized". It is a "conversion" (or rollover). - Any Nondeductible Contributions to IRA? Yes, but make sure you enter the actual values in your Traditional IRA account at the specified time (e.g. it should be 0 end of the tax year since you have rolled it all over to Roth). - There is a "Retirement Income Results" page in the end of Deductions & Credits which would tell the Taxable distributions. Make sure the numbers there are expected.
今年第一年弄Backdoor Roth IRA，用 TurboTax报的，在是否contribute to traditional IRA 时写了$6000，这时联邦税没有变化，后面填了Switch $6000 from traditional to Roth, 这一步后就收了$300多的 federal tax. 我的理解是放进traditional IRA 的钱已经是税后的了，转成Roth, 为什么又收一遍？是我理解错误还是哪里填错了，有没有弄过的大牛帮我看一下，多谢啦。 Aprilsunshine 发表于 2020-07-15 12:27
https://posts.careerengine.us/p/5d8ea33d874cd6550f6acabd 讲得挺清楚啦！ 最后我就是直接填了一张表8606. 没在turboTax里填的IRA的任何部分。I still efiled with TurboTax. But I will mail my Form 8606 separately to IRS. Hope it works
回复 1楼Aprilsunshine的帖子 同病相怜。TurboTax后来的解释是家庭收入超过了200k 不可以Roth，否则就要每年交$360 penalty To avoid the $360 penalty, I need to withdraw the $6000 from Roth IRA. 一头雾水中，正在看怎么withdraw blueshell 发表于 2020-07-15 12:31
同病相怜。TurboTax后来的解释是家庭收入超过了200k 不可以Roth，否则就要每年交$360 penalty To avoid the $360 penalty, I need to withdraw the $6000 from Roth IRA. 一头雾水中，正在看怎么withdraw
所以才要backdoor.... 先放nondeductible然后再转成roth
back door roth ira的原理讲解。 Back door roth ira在turbotax上的实战操作。 有详细截屏的。
周末搞完以后，神清气爽，也更加觉得灯塔国这个税务制度，有点八股腐，每人每年花那么多钱和精力去折腾。
感谢本版的高手们。今晚才报税deadline，我还在跟这个Rothbackdoor搏斗
感谢分享！
mark
多谢多谢！明年报税的时候好好研究一下！
mark
我记得放在traditional ira越久麻烦越多，钱放在traditional ira期间会有利息，你再转到roth的时候还要额外计算利息的税
还有这问题?不清楚了，回头问问CPA去。不过一年6000块我估计利息也很少？
Mark... 多谢
那是以前on the safe side
现在不用了
Markkk kkkkkk
我看的攻略也是说越早convert越好，另外，谢谢提供解决方案的mm, 我再研究一下
Nondeductible ira contribution是不交税的，你要让软件或者CPA搞清楚你做了nondeductible contribution
- You "contributed" to the Traditional IRA. Enter the amount you contributed in the tax year when answering the Traditional IRA contribution question.
- You DID NOT "contribute" to the Roth IRA. So any Roth IRA "contribution" amount should be 0.
- The tax year end Traditional IRA value should be 0 (since you have rolled it over to Roth).
Some notes:
- Wages and Income: Keep the 1099-R input unchanged. Answer the "What Did You Do With The Money" question with it having been moved to another retirement account and converted all to Roth. However, this will not reduce the income from the fake distribution.
- Deductions and Credits/Traditional and Roth IRA Contributions: This is the place to fix the Roth conversion income.
- Rolling Traditional IRA to Roth IRA is not "Contribution", so make sure there are no Roth IRA "contributions". Also it is not "switched" or "recharacterized". It is a "conversion" (or rollover).
- Any Nondeductible Contributions to IRA? Yes, but make sure you enter the actual values in your Traditional IRA account at the specified time (e.g. it should be 0 end of the tax year since you have rolled it all over to Roth).
- There is a "Retirement Income Results" page in the end of Deductions & Credits which would tell the Taxable distributions. Make sure the numbers there are expected.
MM看过来，这个网站有一步步的解释： https://thefinancebuff.com/how-to-report-backdoor-roth-in-turbotax.html
还是不明白，这么干的好处，因为 Roth 是 Cap 的，每年最多方 那些，无论从 传统 IRA，还是自己直接掏，都是那些钱，不能多，
不知我这样了解对不？
https://posts.careerengine.us/p/5d8ea33d874cd6550f6acabd 讲得挺清楚啦！ 最后我就是直接填了一张表8606. 没在turboTax里填的IRA的任何部分。I still efiled with TurboTax. But I will mail my Form 8606 separately to IRS. Hope it works
你这句话点明了本质，让我恍然大悟！ 本质就是劵商发了1099R给你，你就必须填8606表给IRS来自证清白，不然IRS就要收1099R上款额的税。
mark mark
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Mark