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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I’m interested in this too, but don’t quite understand OP’s question. The money that went into the traditional IRA was before-tax, so no taxes have been paid on the contributions. Same thing for any investment gains. When the never-taxed contributions and investment gains are converted to a Roth, it’s my understanding that one pays tax on the full rollover amount. If that’s not correct, please correct me. [/quote]

OP's money she deposited in the traditional IRA was post-tax.[/quote]

Thank you! I see that now. But, why would OP do that? If one’s not going to get a deduction for the traditional IRA contribution, why not put the money directly into a Roth?[/quote]

The income limits for directly contributing to a Roth IRA for 2022 were 214k if married filing jointly and 144k if single. If you make over that amount, you would want to instead do what OP did, which is termed a "backdoor Roth IRA" (contributing post-tax money to a traditional IRA and then doing a conversion to a Roth IRA).[/quote]

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