---
title: Can I Make a Backdoor Roth IRA Contribution?
description: Wealthy Street Academy - Free flowcharts and checklists to help you navigate life's toughest financial planning scenarios.
---

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# Can I Make a Backdoor Roth IRA Contribution?

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Once your income reaches a certain point, you lose eligibility to make a regular contribution to a Roth IRA. But, there is a workaround called the Backdoor Roth Contribution. There are many factors and rules that must be considered, and complicated steps to take in order to properly implement this strategy, without penalty.

 

This flowchart addresses key considerations, including:

 

- Multiple retirement accounts
- Pro-rata and aggregation rules
- Step transaction doctrine
- Step-by-step process for making a Backdoor Roth Contribution

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