Form 8606 Generator by Jotform
If you made nondeductible IRA contributions, converted to a Roth IRA, or took certain IRA distributions, you may need Form 8606. Fill it out online for free with Jotform and download a completed PDF for your tax return.
Retirement account info kept safe
Form 8606 includes your SSN and IRA values. Jotform secures your entries with 256-bit SSL encryption and GDPR and CCPA friendly features. You can also use encrypted forms for extra protection.
Complete it on any device
Fill out Form 8606 on your laptop, tablet, or phone. The form fits your screen, so you can enter contribution and conversion amounts from wherever you keep your IRA statements.
Straightforward fields, fast PDF
Jotform walks you through each part of Form 8606 with clear, labeled fields. When you're done, download the completed form as a PDF to attach to your return or share with your tax preparer.
The layout the IRS expects
Your answers are converted back into the original Form 8606 layout, line for line. The downloaded PDF looks just like the official IRS form.
FAQ
What is Form 8606?
Form 8606, Nondeductible IRAs, tracks your basis in traditional IRAs, meaning money you contributed after tax. It's used to figure how much of a distribution or Roth conversion is taxable, so you don't pay tax twice on the same dollars.
Who needs to file Form 8606?
You generally file it if you made nondeductible contributions to a traditional IRA, took distributions from a traditional, SEP, or SIMPLE IRA while you have basis, converted any of those accounts to a Roth IRA, or took certain distributions from a Roth IRA. If you're married, each spouse files a separate Form 8606 for their own IRAs.
Do I need Form 8606 for a backdoor Roth IRA?
Yes. A backdoor Roth usually involves a nondeductible contribution to a traditional IRA, reported in Part I, followed by a conversion to a Roth IRA, reported in Part II. If you have other pretax money in traditional, SEP, or SIMPLE IRAs, the pro-rata rule can make part of the conversion taxable, and Form 8606 is where that math happens.
What happens if I forget to file Form 8606?
If you don't file it when you're required to report a nondeductible contribution, the IRS can charge a $50 penalty unless you have reasonable cause. The bigger risk is losing track of your basis, which can mean paying tax again on money that was already taxed. You can file Form 8606 for an earlier year to correct the record.
How do I fill out Form 8606?
At the top, enter your name and SSN, and your address if you're filing the form by itself. Part I covers nondeductible contributions for the year, your basis from earlier years, and the value of all your traditional, SEP, and SIMPLE IRAs at year-end. Those numbers are used to split distributions and conversions into taxable and nontaxable amounts.
Part II reports conversions from traditional, SEP, or SIMPLE IRAs to Roth IRAs, and Part III covers distributions from Roth IRAs. Sign the form only if you're filing it separately from your tax return.
Can I download my Form 8606 as a PDF?
Yes. Fill out the form online for free and download the completed PDF in the IRS layout. Jotform doesn't file your return, so include the form with your Form 1040 when you file.
If you see any incorrect, incomplete or inaccurate information, please request correction by filling out the form below.
Request Correction