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REDDIT

Back door Roth IRA conversion question

K
Jan 7, 2026 · 00:05

I want to help my sister do a backdoor Roth IRA conversion to help start and fill up her Roth IRA for 2025. I’ve been contributing to my personal Roth since 2024 and was able to back fill 2023 due starting in Feb 2024. Similarly I want to do the same for my sister and back fill 2025 before she proceeds to fill 2026. My question is there any problem with doing a backdoor Roth IRA conversion for a 2025 Roth IRA while we are in 2026? Is it too late? Or is it allowed until tax day like the regular Roth IRA contribution limit?