Depending on your income, you may be able to skip the backdoor method and contribute to a Roth account directly. For 2024 the income limits are as follows:
Filing Status: | Modified AGI Amount: | Contribution Amount: |
Married Filing Joint or Qualifying Widow(er) |
Less than $228,000 | Up to your limit |
Between $228,000 and $240,000 | A reduced amount | |
$240,000 or higher | No Roth contribution allowed | |
Married Filing Separately (and lived with spouse)
|
Less than $10,000 | A reduced amount |
$10,000 or higher | No Roth contribution allowed | |
Single, Head of Household, or Married Filing Separately (did not live with spouse) | Less than $146,000 | Up to your limit |
Between $146,000 and $161,000 | A reduced amount | |
$161,000 or higher | No Roth contribution allowed |
Instructions for calculating your reduced contribution amount can be found here.