Depending on your income, you may be able to skip the backdoor method and contribute to a Roth account directly. For 2023 the income limits are as follows:
| Filing Status: | Modified AGI Amount: | Contribution Amount: |
|
Married Filing Joint or Qualifying Widow(er) |
Less than $218,000 | Up to your limit |
| Between $218,000 and $227,999 | A reduced amount | |
| $228,000 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 $138,000 | Up to your limit |
| Between $138,000 and $152,999 | A reduced amount | |
| $153,000 or higher | No Roth contribution allowed |
Instructions for calculating your reduced contribution amount can be found here.