The Backdoor Roth IRA Blueprint

Make too much for a Roth? The Backdoor Roth method is the fix. It's legal, and you can do it every year. I'll walk you through recharacterizing if you've already invested this year, and include the Pro-Rata and Form 8606 walkthrough.

5.0 (76)

33.99$24.95

About 10% of what one hour with a CPA costs.

This gets $7,500 into a Roth this year that the income limit says you can't have.

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This is for you:

Your income is over the 2026 Roth IRA limit
You already have a Roth IRA
You want to keep investing in your Roth IRA

This isn't for you:

You're under the income limit (just contribute directly, you don't need this)

The strategy is simple. The mistakes aren't. Pro-rata, Form 8606, timing, withholding. Get one wrong and a $0 tax bill turns into a real one, and you won't find out until you file. This guide walks you around all of them.

The Backdoor Roth IRA Blueprint

SAMPLE PAGES

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What's inside

Have You Made Too Much Money?
Before You Start
The Pro-Rata Rule
Recharacterization
The Backdoor Method
The 6-Step Walkthrough
IRS Form 8606 Walkthrough
Common Mistakes To Avoid
Frequent Asked Questions
The One-Page Cheat Sheet
The 10-Year Action Tracker

Reader Reviews

"I completed my first backdoor Roth last month and it was great to know I was doing it correctly. The cheat sheet will be great to reference in the future."

"The backdoor walkthrough alone saved me hours of research and probably a few thousand in taxes over the next decade."

"I used the Backdoor before but this was a good reminder. Thanks"

"It's helpful having everything explained in one place. Solid guide!"

"It explained everything I needed to do. Worth the buy."

"I appreciated the detail that was put into the information. It felt like there wasn't anything missing and it answered all of my questions I didn't know I had"