{"id":45374,"date":"2019-06-05T15:27:21","date_gmt":"2019-06-05T20:27:21","guid":{"rendered":"https:\/\/www.hrblock.com\/tax-center\/?p=45374"},"modified":"2021-07-08T15:39:47","modified_gmt":"2021-07-08T20:39:47","slug":"traditional-to-roth-ira-conversion","status":"publish","type":"post","link":"https:\/\/www.hrblock.com\/tax-center\/income\/retirement-income\/traditional-to-roth-ira-conversion\/","title":{"rendered":"I Converted From a Traditional IRA to a Roth. How Do I Report It?"},"content":{"rendered":"<p>When you convert a traditional IRA to a Roth IRA, the timing of the reporting is different than when you make IRA contributions.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/p>\n<ul>\n<li><strong>IRA Conversions<\/strong> \u2014 You must complete&nbsp;IRA conversions (from a traditional to a Roth)&nbsp;by Dec. 31 of the calendar year.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/li>\n<li><b>IRA Contributions&nbsp;<\/b>\u2014 You can make IRA contributions until your return is due. You can do this for both&nbsp;<a href=\"https:\/\/www.hrblock.com\/tax-center\/income\/retirement-income\/traditional-and-roth-ira\/\">traditional and Roth IRAs.<\/a><\/li>\n<\/ul>\n<p>Ex: You could make a traditional IRA contribution on April 1, 2026 and designate it as a contribution for your 2025 taxes. On April 5, you could convert your traditional IRA to a Roth IRA. However, the conversion can\u2019t be reported on your 2025 taxes. Because IRA conversions are only reported during the calendar year, you should report it in 2026.<\/p>\n<h2>IRA Contribution and IRA Conversion Taxability<\/h2>\n<p>If you\u2019re able to make a deductible IRA contribution, you\u2019ll receive a tax benefit on your 2025 return. However, you&#8217;ll owe tax on the conversion when you do your 2026 return.<\/p>\n<p>If the contribution to your traditional IRA wasn&#8217;t deductible, you&#8217;ll only pay tax on the earnings, if any, at the time of the IRA conversion. If you convert your traditional IRA contribution to a Roth IRA quickly, you\u2019ll have less time to accumulate earnings.<\/p>\n<p>Want to know more about IRAs? Review details about IRA conversions and <a href=\"https:\/\/www.hrblock.com\/tax-center\/irs\/tax-responsibilities\/early-withdrawal-penalties\/\">traditional and Roth IRA withdrawal rules and early withdrawal penalties<\/a>.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/p>\n<p>If you need to check in with an expert, our tax pros can help. Simply <a href=\"https:\/\/www.hrblock.com\/tax-offices\/local-offices\/\">schedule an appointment<\/a> and we\u2019ll be happy to help.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you convert a traditional IRA to a Roth IRA, the timing of the reporting is different than when you make IRA contributions.&nbsp; IRA Conversions \u2014 You must complete&nbsp;IRA conversions (from a traditional to a Roth)&nbsp;by Dec. 31 of the calendar year.&nbsp; IRA Contributions&nbsp;\u2014 You can make IRA contributions until your return is due. You [&hellip;]<\/p>\n","protected":false},"author":658,"featured_media":45428,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24,48],"tags":[],"class_list":["post-45374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-income","category-retirement-income"],"acf":[],"yoast_head":"<title>Converting a Traditional IRA to a Roth IRA | H&amp;R Block<\/title>\n<meta name=\"description\" content=\"Contributing to an IRA is beneficial, but what if you\u2019ve converted a traditional IRA to a Roth IRA? How should that be reported on your taxes? 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