What Is a Backdoor Roth IRA? Best 2026 Guide

Range chart of 2026 Roth IRA direct contribution phase-out: single filers $153k-$168k, married filing jointly $242k-$252k

Direct Roth IRA contributions phase out once your income crosses a set line, but the backdoor Roth IRA gives high earners a legal way around that limit — contribute to a traditional IRA with after-tax money, then convert it to a Roth, with no income cap involved in the conversion step itself. It’s written into … Read more