IRS · United States

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Form 8606: Nondeductible IRAs

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Quick answer

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.

Form
Form 8606
Issued by
IRS
Country
United States
Cost to fill
Free

What is Form 8606?

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.

Download the Form 8606 form PDF — free

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 IRS

Who fills out Form 8606?

  • Anyone who made nondeductible contributions to a traditional IRA
  • Backdoor Roth users converting a traditional IRA to a Roth
  • People taking distributions from an IRA that holds after-tax basis
  • Taxpayers who inherited an IRA with basis and take distributions

Field-by-field breakdown

What 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.

Part I — Nondeductible contributions

This year's nondeductible traditional-IRA contributions and your total basis carried from prior years.

Part I — Distributions/value

Distributions taken and the year-end total value of your traditional/SEP/SIMPLE IRAs, used to figure the taxable portion.

Part II — Roth conversions

Amount converted from a traditional IRA to a Roth this year (the backdoor Roth step).

Part III — Roth distributions

Nonqualified Roth IRA distributions, if any.

Common mistakes to avoid

  • 1Skipping the form in years you made a nondeductible contribution — you lose the basis record and get taxed twice later.
  • 2Forgetting the year-end IRA value, which is required to compute the taxable fraction of a conversion (the pro-rata rule).
  • 3Filing a separate 8606 for each spouse is required — basis is tracked per individual.

How JustFill helps you complete Form 8606

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Related forms

Internal Revenue Service (IRS), U.S. Department of the Treasury

Form 1040

Form 1040, U.S. Individual Income Tax Return

Internal Revenue Service (IRS)

Form 1040-X

Form 1040-X, Amended U.S. Individual Income Tax Return

Internal Revenue Service (IRS)

Form 8889

Form 8889, Health Savings Accounts (HSAs)

Frequently asked questions

You file it for any year you make a nondeductible traditional-IRA contribution, do a Roth conversion, or take a distribution from an IRA that holds basis. In years none of those happen, you usually do not.
Yes. Upload the official IRS PDF to JustFill — the AI detects each line and you type your figures, then download the completed form to attach to your return. No Adobe needed.
It reports the nondeductible contribution to the traditional IRA (Part I) and the conversion to the Roth (Part II), so the IRS knows the conversion was funded with already-taxed money.
Your basis is not on record, so distributions and conversions can be taxed a second time. You can usually file late 8606s for prior years to establish the basis; the IRS may charge a small penalty.

Official source: Form 8606 on IRS’s website

JustFill is an independent product and is not affiliated with, endorsed by, or sponsored by IRS or any government agency. Always verify your completed form on the official version before signing or submitting.