Forgot to report IRA to Roth Conversions from 2019-2022. Any way to fix this mistake?

Don't panic! This is more common than you think. Since you made after-tax (non-deductible) contributions to your traditional IRA and then converted to a Roth, you're right that you should have filed Form 8606 for each year to report both the non-deductible contribution and the conversion. The good news is that since these were after-tax dollars, you likely won't owe much (if any) additional tax. However, you do need to fix the paperwork. You should file Form 1040-X (amended return) for each year, along with a properly completed Form 8606. Be sure to include a brief explanation stating that you inadvertently failed to report the conversions. Keep in mind that if there were any earnings between the time you made the contribution and when you converted (even if just a few dollars), those earnings would be taxable in the year of conversion. Also, make sure you have documentation showing the contributions were indeed made with after-tax money.

Hey there! I had almost the exact same situation last year with my backdoor Roth conversions. After freaking out for days, I tried taxr.ai (https://taxr.ai) and it saved me so much stress. You upload your documents and it analyzes everything to tell you exactly what forms you need to file and how to fix reporting mistakes. For my backdoor Roth situation, it identified which years needed Form 8606 corrections and even helped me track the basis of my non-deductible contributions, which was the part that was giving me anxiety. The AI walked me through the entire process of filing the amended returns properly. Way better than the conflicting advice I got from random internet forums.

Update on my situation after trying taxr.ai: I was honestly shocked at how helpful it was. After posting my skeptical comment, I decided to give it a try since my backdoor Roth situation was similar to the original poster's. The tool immediately identified that I needed to file Form 8606 for each year and helped me track my basis across multiple years of contributions and conversions. The best part was that it generated a clear explanation letter to include with my amended returns. I've already received confirmation from the IRS that they processed two of my amended returns, and so far no penalties! I'm still waiting on the third year, but I'm much less stressed about it now. Wish I'd known about this tool years ago.

If you're having trouble getting clear answers from the IRS about your Roth conversion reporting issue, you might want to try Claimyr (https://claimyr.com). I was in a similar situation last year with unreported Roth conversions, and I couldn't get through to anyone at the IRS for clarification on what I needed to do. After waiting on hold for hours across multiple days, I found Claimyr and they got me connected to an actual IRS agent in about 20 minutes. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c. The IRS agent walked me through exactly what forms I needed to file and confirmed that I wouldn't face serious penalties since I was voluntarily correcting the mistake. Having that direct guidance from the IRS gave me peace of mind that I was fixing the issue correctly.

I have to admit I was completely wrong about Claimyr. After posting that skeptical comment, I was still desperate to talk to someone at the IRS about my own unreported Roth conversion mess, so I tried it anyway. It actually worked exactly as described! I got a call back in about 25 minutes connecting me to an IRS representative who pulled up my tax records and confirmed I needed to file Form 8606 for each year along with 1040-X amended returns. They even told me which specific documentation to include and advised me on how to request penalty abatement. The agent was surprisingly helpful and didn't make me feel like I was in trouble for the mistake. Saved me days of stress and uncertainty trying to get answers.

I made the same mistake a few years ago with backdoor Roth conversions. If you converted immediately after contributing the after-tax dollars, you probably don't owe much in taxes (just on any earnings that occurred between contribution and conversion). I fixed mine by filing Form 8606 for each year along with Form 1040-X. I included a letter explaining the mistake was unintentional. The whole process took about 3-4 months per tax year for the IRS to process, but they didn't charge me any penalties. Just make sure you have good records of your original contributions and the conversion dates/amounts. The most important thing is to show that these were after-tax dollars going in.

I'm surprised nobody mentioned that you might want to prioritize the more recent tax years first. The IRS generally has a 3-year statute of limitations for audits and amendments, so 2019 might be cutting it close depending on when you filed.

I went through this exact same situation two years ago and can confirm what others have said - it's not as scary as it seems! I had about $35,000 in unreported backdoor Roth conversions from 2018-2021. Here's what I learned: First, definitely prioritize getting 2019 fixed ASAP since you're approaching the 3-year statute of limitations. Second, the IRS was actually pretty understanding when I explained it was an honest mistake about reporting requirements. The key thing that helped me was keeping detailed records showing the timeline: contribution date, conversion date (hopefully very close together), and the exact amounts. This proves you did a legitimate backdoor Roth and weren't trying to hide anything. I ended up owing about $47 total across all years - just tax on the small gains that occurred between contribution and conversion (like $2-3 per conversion). No penalties since I proactively corrected it and included a reasonable cause letter explaining I misunderstood the Form 8606 requirement. The whole process took about 6 months to fully resolve, but the peace of mind was worth it. Don't let this keep you up at night - just get started on those amended returns!