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Can I Make a Backdoor Roth IRA Contribution?

If your earned income is too high, you may be unable to make a regular contribution to a Roth IRA. But, there is a workaround called the Backdoor Roth Contribution. There are many factors and rules that must be considered, and complicated steps to take in order to properly implement this strategy, without penalty.

To help make the analysis easier, we have created the “Can I Make A Backdoor Roth IRA Contribution?” flowchart. It addresses key considerations, including:

  • Multiple retirement accounts
  • Pro-rata and aggregation rules
  • Step transaction doctrine
  • Step-by-step process for making a Backdoor Roth Contribution


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