Backdoor Roth and Rollover from 401k to Trad IRA

[MillionaireMentality]

Hi all -

I completed a backdoor Roth conversion of $7,000 on January 1st this year.

It turns out that my income this year will likely be under the MAGI limit for Roth IRA contributions.

I was thinking about taking up Robinhood on their 2% bonus promo for rolling in an old 401k to a Trad IRA which ends on 4/15.

But I don't want to get into an issue with the pro rata rule, which to my understanding means my Trad IRA balance must be $0 on December 31, 2025.

Since my MAGI will likely be below the limit this year, but I have already done a backdoor Roth conversion, does this rule still apply to me? If so, I will need to wait until next year to entertain any 401k rollovers and see how my income is looking for 2026.

Thank you

[Ostrich]

You are not allowed to undo a Roth Conversion, so I think you are stuck for this year.

[EnjoyIt]

looking to do something similar and want to see other responses.

Thanks for posting

[toddthebod]

Hi all -

I completed a backdoor Roth conversion of $7,000 on January 1st this year.

It turns out that my income this year will likely be under the MAGI limit for Roth IRA contributions.

I was thinking about taking up Robinhood on their 2% bonus promo for rolling in an old 401k to a Trad IRA which ends on 4/15.

But I don't want to get into an issue with the pro rata rule, which to my understanding means my Trad IRA balance must be $0 on December 31, 2025.

Since my MAGI will likely be below the limit this year, but I have already done a backdoor Roth conversion, does this rule still apply to me? If so, I will need to wait until next year to entertain any 401k rollovers and see how my income is looking for 2026.

Thank you

Sorry, a Roth conversion cannot be reversed. In addition, Robinhood requires you to leave the funds there for 5 years, which would preclude you from backdoor Roths for those years as well, should your income increase.