Form 8606: Nondeductible IRAs
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JustFill is not affiliated with IRS. This is an independent third-party tool to help you complete Form 8606. Always download the current blank form from the official source and verify your completed copy before signing or submitting. Official Form 8606 from IRS
Form 8606, Nondeductible IRAs, is the IRS form that tracks the after-tax (nondeductible) money in your traditional IRAs so it is not taxed again when you withdraw it. You file it to report nondeductible traditional-IRA contributions, conversions to a Roth IRA (including backdoor Roth), and distributions from IRAs that hold basis. It attaches to your Form 1040. With JustFill you upload the blank IRS 8606 PDF, the AI maps each line, and you complete and download it free.
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Form 8606 keeps a running record of your IRA basis — the contributions you made with already-taxed dollars — across three situations: nondeductible contributions to a traditional IRA, conversions from a traditional/SEP/SIMPLE IRA to a Roth (the backdoor Roth), and distributions when your IRAs contain basis. Filing it each relevant year prevents the IRS from taxing that money twice. It is filed with your annual Form 1040. JustFill lets you complete the 8606 online so the basis figures carry forward correctly.
The official Form 8606 PDF and its instructions are free to download from the IRS at irs.gov/forms-pubs/about-form-8606. Open the blank PDF in JustFill to type your contribution, conversion, and basis figures, then download the completed form to attach to your Form 1040.
Get the official Form 8606 PDF from IRSWhat each section of Form 8606 asks for. JustFill’s AI will detect these fields automatically when you upload the PDF — review the breakdown below so you know what to enter.
This year's nondeductible traditional-IRA contributions and your total basis carried from prior years.
Distributions taken and the year-end total value of your traditional/SEP/SIMPLE IRAs, used to figure the taxable portion.
Amount converted from a traditional IRA to a Roth this year (the backdoor Roth step).
Nonqualified Roth IRA distributions, if any.
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Official source: Form 8606 on IRS’s website
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