回复 6楼 2wawa 的帖子 我也遇到这个问题，多出来2块多的利息。问了GPT，应该是利息交税就行。税表填起来更麻烦一点点，因为那个pro rata rule. Income limit restricts direct Roth IRA contributions, which is why you’re using the backdoor Roth IRA process. However, the $7,000 limit applies only to the initial contribution to your Traditional IRA (the first step of the backdoor process), not the conversion itself. Let me explain clearly why moving the $2.45 does not violate any limits: Why There is No Limit on Roth ConversionsThe $7,000 Contribution Limit:This limit applies to new contributions made to a Traditional IRA (as part of the backdoor process) or directly to a Roth IRA.For 2024, your income is too high to contribute directly to a Roth IRA, so you contribute $7,000 to a Traditional IRA first.Roth IRA Conversions Have No Limit:The second step of the backdoor process is to convert the funds in your Traditional IRA to a Roth IRA. There is no IRS-imposed limit on the amount you can convert.Whether you convert $7,000, $10,000, or $2.45 (in this case), it doesn’t count as a “contribution” and is not subject to the $7,000 contribution limit.How the $2.45 Fits Into This The $2.45 dividend earned in your Traditional IRA is not a contribution. It is: Earnings on your already-contributed funds. Taxable pre-tax money when converted to the Roth IRA. When you move this $2.45 to the Roth IRA, it is part of the Roth conversion process, which is completely separate from the $7,000 contribution limit. Backdoor Roth IRA Contributions Explained Here’s how the backdoor process aligns with IRS rules: Step 1: Contribute $7,000 to a Traditional IRA. This is subject to the annual contribution limit.Step 2: Convert the $7,000 to a Roth IRA. This is not subject to any limit.Any additional earnings (like the $2.45) in the Traditional IRA can also be converted to the Roth IRA as part of the same process or separately.Clarifying the $7,000 Limit The “max allowed for backdoor” you mentioned refers to the $7,000 contribution limit for IRAs. However: The conversion step does not have a cap. The $2.45 dividend is part of your Traditional IRA balance and does not represent a new contribution, so moving it to the Roth IRA does not violate the contribution limit. Summary The $7,000 limit applies only to your contribution to the Traditional IRA. Moving the $2.45 dividend to your Roth IRA is part of the conversion process and is not subject to the contribution limit or income restrictions. You’re within IRS rules to convert this small amount as part of cleaning up your backdoor Roth IRA.
Impact of Pro-Rata Rule for 2024Pro-Rata Rule Applies:Even though the $7,000 you contributed to your Traditional IRA in 2024 was post-tax (non-deductible), the $2.45 dividend is considered pre-tax earnings.The IRS uses the pro-rata rule to determine how much of your Roth IRA conversion is taxable. Formula for Taxable Portion: Taxable Amount=(Pre-Tax IRA Balance at Year-EndTotal IRA Balance at Year-End)×Amount Converted\text{Taxable Amount} = \left( \frac{\text{Pre-Tax IRA Balance at Year-End}}{\text{Total IRA Balance at Year-End}} \right) \times \text{Amount Converted} For 2024:Pre-Tax Balance: $2.45 (the dividend)Total Balance: $7,002.45 ($7,000 post-tax + $2.45 pre-tax)Converted Amount: $7,000 Taxable Portion: 2.457,002.45×7,000≈2.45\frac{2.45}{7,002.45} \times 7,000 \approx 2.45 This means about $2.45 of your 2024 Roth conversion will be taxable.Minimal Tax Impact:Since only the $2.45 is taxable, the actual tax liability will be very small. For example, if your tax rate is 24%, the tax owed on $2.45 is: 2.45 \times 0.24 = 0.588 \text{ (about $0.59)}What to Do for 2024 FilingFile Form 8606:You’ll need to include Form 8606 with your 2024 tax return to report: The $7,000 non-deductible contribution to your Traditional IRA.The $7,000 conversion to your Roth IRA.The $2.45 taxable portion of the conversion. Key Sections on Form 8606:Part I: Report the $7,000 non-deductible contribution.Part II: Report the $7,000 Roth conversion and calculate the taxable portion (about $2.45).Expect Form 1099-R from Your Broker:Your broker will issue a Form 1099-R for 2024, showing the total amount converted ($7,000) and the distribution code for the conversion (likely Code 2 or Code 7).Future Steps for 2025 Convert the $2.45 to your Roth IRA in early 2025 to clean out your Traditional IRA, ensuring no pro-rata complications for future backdoor Roth IRA contributions. Summary For 2024, the pro-rata rule will cause a small portion of your Roth conversion (the $2.45 dividend) to be taxable. This is manageable and has minimal tax impact. File Form 8606 to report this properly, and convert the $2.45 early in 2025 to keep your Traditional IRA balance at $0 for future years. Let me know if you’d like help with the forms or any calculations!
applesoda205 发表于 2025-01-03 09:53 roll over也有limit吗，我的理解走backdoor的话每年7000是对于contribute to traditional ira的限制吧，traditional ira里面本身多出来的interest只要交税就行了， roth conversion本身没有limit
applesoda205 发表于 2025-01-03 09:53 roll over也有limit吗，我的理解走backdoor的话每年7000是对于contribute to traditional ira的限制吧，traditional ira里面本身多出来的interest只要交税就行了， roth conversion本身没有limit
applesoda205 发表于 2025-01-03 09:53 roll over也有limit吗，我的理解走backdoor的话每年7000是对于contribute to traditional ira的限制吧，traditional ira里面本身多出来的interest只要交税就行了， roth conversion本身没有limit
我是vanguard，也是第一时间转也有后续利息。我问过会计师，说是只要利息部分缴税就行
IRS发神经病才查你这几毛钱的税
我胆小，选全部怕超过$7000 IRS 找我麻烦.
我也遇到这个问题，多出来2块多的利息。问了GPT，应该是利息交税就行。税表填起来更麻烦一点点，因为那个pro rata rule.
Income limit restricts direct Roth IRA contributions, which is why you’re using the backdoor Roth IRA process. However, the $7,000 limit applies only to the initial contribution to your Traditional IRA (the first step of the backdoor process), not the conversion itself. Let me explain clearly why moving the $2.45 does not violate any limits: Why There is No Limit on Roth Conversions The $7,000 Contribution Limit: This limit applies to new contributions made to a Traditional IRA (as part of the backdoor process) or directly to a Roth IRA. For 2024, your income is too high to contribute directly to a Roth IRA, so you contribute $7,000 to a Traditional IRA first. Roth IRA Conversions Have No Limit: The second step of the backdoor process is to convert the funds in your Traditional IRA to a Roth IRA. There is no IRS-imposed limit on the amount you can convert. Whether you convert $7,000, $10,000, or $2.45 (in this case), it doesn’t count as a “contribution” and is not subject to the $7,000 contribution limit. How the $2.45 Fits Into This The $2.45 dividend earned in your Traditional IRA is not a contribution. It is: Earnings on your already-contributed funds. Taxable pre-tax money when converted to the Roth IRA. When you move this $2.45 to the Roth IRA, it is part of the Roth conversion process, which is completely separate from the $7,000 contribution limit. Backdoor Roth IRA Contributions Explained Here’s how the backdoor process aligns with IRS rules: Step 1: Contribute $7,000 to a Traditional IRA. This is subject to the annual contribution limit. Step 2: Convert the $7,000 to a Roth IRA. This is not subject to any limit. Any additional earnings (like the $2.45) in the Traditional IRA can also be converted to the Roth IRA as part of the same process or separately. Clarifying the $7,000 Limit The “max allowed for backdoor” you mentioned refers to the $7,000 contribution limit for IRAs. However: The conversion step does not have a cap. The $2.45 dividend is part of your Traditional IRA balance and does not represent a new contribution, so moving it to the Roth IRA does not violate the contribution limit. Summary The $7,000 limit applies only to your contribution to the Traditional IRA. Moving the $2.45 dividend to your Roth IRA is part of the conversion process and is not subject to the contribution limit or income restrictions. You’re within IRS rules to convert this small amount as part of cleaning up your backdoor Roth IRA.
Impact of Pro-Rata Rule for 2024 Pro-Rata Rule Applies: Even though the $7,000 you contributed to your Traditional IRA in 2024 was post-tax (non-deductible), the $2.45 dividend is considered pre-tax earnings. The IRS uses the pro-rata rule to determine how much of your Roth IRA conversion is taxable. Formula for Taxable Portion: Taxable Amount=(Pre-Tax IRA Balance at Year-EndTotal IRA Balance at Year-End)×Amount Converted\text{Taxable Amount} = \left( \frac{\text{Pre-Tax IRA Balance at Year-End}}{\text{Total IRA Balance at Year-End}} \right) \times \text{Amount Converted} For 2024: Pre-Tax Balance: $2.45 (the dividend) Total Balance: $7,002.45 ($7,000 post-tax + $2.45 pre-tax) Converted Amount: $7,000 Taxable Portion: 2.457,002.45×7,000≈2.45\frac{2.45}{7,002.45} \times 7,000 \approx 2.45 This means about $2.45 of your 2024 Roth conversion will be taxable. Minimal Tax Impact: Since only the $2.45 is taxable, the actual tax liability will be very small. For example, if your tax rate is 24%, the tax owed on $2.45 is: 2.45 \times 0.24 = 0.588 \text{ (about $0.59)} What to Do for 2024 Filing File Form 8606: You’ll need to include Form 8606 with your 2024 tax return to report: The $7,000 non-deductible contribution to your Traditional IRA. The $7,000 conversion to your Roth IRA. The $2.45 taxable portion of the conversion. Key Sections on Form 8606: Part I: Report the $7,000 non-deductible contribution. Part II: Report the $7,000 Roth conversion and calculate the taxable portion (about $2.45). Expect Form 1099-R from Your Broker: Your broker will issue a Form 1099-R for 2024, showing the total amount converted ($7,000) and the distribution code for the conversion (likely Code 2 or Code 7). Future Steps for 2025 Convert the $2.45 to your Roth IRA in early 2025 to clean out your Traditional IRA, ensuring no pro-rata complications for future backdoor Roth IRA contributions. Summary For 2024, the pro-rata rule will cause a small portion of your Roth conversion (the $2.45 dividend) to be taxable. This is manageable and has minimal tax impact. File Form 8606 to report this properly, and convert the $2.45 early in 2025 to keep your Traditional IRA balance at $0 for future years. Let me know if you’d like help with the forms or any calculations!
就是$7000+利息吗？我打算$6990+利息转。
是啊，合法合理的方法，不知道有啥好纠结的。一两块钱，交税也就几毛钱。
8刀还能交多少税？
转出超的部分，然后罚钱
谢谢. 不管了，我今年准备转$7000 + $2.xx. 让accountant deal with it.
主要是把每年可以roll over 的基数变小了。然后税越来越多
roll over也有limit吗，我的理解走backdoor的话每年7000是对于contribute to traditional ira的限制吧，traditional ira里面本身多出来的interest只要交税就行了， roth conversion本身没有limit
我觉得你的理解是对的。
对的
这个税是报税的时候,加到税单里一块交,对吧? 不过我问过FIDELITY, 这1两块钱,实际上是10块钱一下,他们都不发税单(1099 whatever...) 给客户和IRS... 这样的话,多加报那几块钱,和IRS那边收到的单子就对不上了,当然多一点估计IRS 没意见, 但是对不上会不会有问题?