Retirement accounts

Retirement accounts, handled.

401(k), 403(b), 457, HSA, IRA and Roth IRA. Contributions tracked against every limit, the pro rata rule figured for you, and a reminder when a backdoor Roth makes sense.

Every account, one view

Workplace plans, IRAs and your HSA, with what you’ve put in so far and the room left under each limit, catch-up contributions included.

401(k), pretax From your payslips$18,400 of $24,500
HSA Self-only coverage$3,100 of $4,400
Traditional IRA Nondeductible$7,500 of $7,500
Roth IRA Funded by conversion$7,500 converted

The pro rata rule, figured for you

Converting to a Roth is only tax-free if you have no other pretax IRA money. Pfifi does the Form 8606 math and tells you how to fix it before the year ends.

Roth conversion · Form 8606Example

Nondeductible contributions (your basis)	$7,500
Other pretax IRA money on Dec 31	$42,500
Converted to Roth	$7,500
Taxable part of the conversion	$6,375

Roll the $42,500 into your 401(k) before Dec 31 and the whole conversion becomes tax-free.

Backdoor and mega-backdoor reminders

When your income is over the Roth limit, or your plan allows after-tax contributions, you get a reminder with the amount and the steps.

Backdoor RothJan 6
Your income is over the Roth IRA limit. Contribute $7,500 to a traditional IRA, then convert it.
Mega-backdoor RothMar 2
Your plan allows after-tax contributions and in-plan conversions: up to $40,150 more this year.
Convert soonMar 9
Growth on after-tax money is taxed when you convert, so the sooner the better.

Also included

Every eligible plan. 401(k), 403(b), 457(b), SEP and SIMPLE IRAs, HSAs, traditional and Roth IRAs.
Limits and catch-ups. Age 50+ and the larger age 60–63 catch-up, with excess contributions flagged.
Employer match. Counted toward the total limit, so the mega-backdoor room is right.
Form 8606 ready. Basis carried from year to year, so a conversion is never taxed twice.

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