Backdoor Roth Conversions
What You Need To Know
The benefits of a Roth IRA are unmistakable—tax-free growth, tax-free withdrawals, and the potential to save you or your beneficiaries thousands of dollars over time. Unfortunately, income and contribution limits can make it difficult for higher-earning households to put meaningful amounts into a Roth IRA. In 2026, married filers earning over $252,000 (or $168,000 for single filers) cannot contribute directly to a Roth IRA.
However, through a backdoor Roth conversion, you can still get money into a Roth—even at higher income levels....