Track IRA contributions against annual limits with income phase-out ranges, backdoor Roth guidance, and multi-year history.
Put the year's IRA deposits beside the cap that applies to that contribution year, then keep the same comparison visible across several years. The tracker separates traditional and Roth entries, adds them for the shared IRA limit, and supplies income phase-out context plus backdoor Roth guidance. The frequent mistake is treating the traditional and Roth columns as two independent allowances. They are not: regular contributions to both generally share one annual IRA ceiling. Because income and contribution records are sensitive, the page's browser-only operation keeps them from being uploaded.
Record each IRA contribution under its tax year and identify whether it went to a traditional or Roth IRA. The tracker adds the entries for that year and compares their combined amount with that year's annual IRA limit. Its history view keeps prior years separate, which helps expose a missed entry or an amount accidentally assigned to the wrong contribution year.
The income section relates the chosen tax year, filing situation, and income figure to the displayed phase-out range. Treat the Roth contribution result and traditional IRA deduction result as separate tests. If direct Roth eligibility is limited, the backdoor Roth section explains the contribution-and-conversion route while keeping that guidance distinct from the regular contribution-limit tally.
No. The regular annual IRA limit generally applies to the combined amount contributed to all of your traditional and Roth IRAs. You may divide an eligible contribution between the two types, but the split does not create a second limit. The tracker should therefore be read using the combined yearly total, not either account-type subtotal alone.
No. Contribution room and conversion taxation are different questions. The taxable portion of a conversion can depend on deductible contributions, nondeductible basis, and balances across traditional, SEP, and SIMPLE IRAs. Form 8606 is used to report relevant nondeductible contributions and conversions. The tracker can frame the route, but it is not a complete conversion tax calculation.
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