Skip to main content
Personal Finance & Money

Return to Question

Tweeted twitter.com/#!/StackFinance/status/442293703789789184
expanded acronym in title
Link
Dilip Sarwate
Dilip Sarwate
  • 31.7k
  • 4
  • 55
  • 122

Do I include a spouse's TIRATraditional IRA when converting my non-deductible TIRATraditional IRA into a Roth IRA?

edited tags
Link
Chris W. Rea
Chris W. Rea
  • 31.8k
  • 17
  • 103
  • 190
Source Link
Spig
Spig
  • 779
  • 1
  • 6
  • 14

Do I include a spouse's TIRA when converting my non-deductible TIRA into a Roth IRA?

I have a Traditional IRA funded with non-deductible funds (in addition to a Roth IRA) and my spouse has a Traditional IRA funded 100% with deductible funds. I'm interested in converting 100% of my TIRA into my Roth IRA (a.k.a. backdoor Roth IRA) and wondering:

Do I need to include my spouse's TIRA in any pro-rata tax computation on the rollover or are my IRA actions unaffected by my spouse's IRA accounts?

We file jointly and my spouse is not covered by any workplace 401(k) or such.