TurboTax

File with experts
File your taxes
Experts at your fingertips

An expert helps with your taxes, or does them for you
TurboTax Expert Full Service

TurboTax Expert Assist

TurboTax Self-Employed
Prior year taxes
File myself
File myself
Do it yourself

We'll guide you step-by-step
TurboTax Do It Yourself

TurboTax Self-Employed

TurboTax Desktop
TurboTax Free

Activate your product

Prior year taxes
Business
Business
Business taxes

Get your T2 corporate return done right, your way
TurboTax Business

TurboTax Business Desktop
Tax situations
Tax situations
Tax situations

Find extra guidance for your big life moves
For investors

For 25 and younger

For self-employed

For new to Canada

For life changes
Resources
Resources
Resources

Explore tax tools, get tips, and read reviews
Personal income tax calculator

RRSP savings calculator

Learning hub

TurboTax support (FAQ)

TurboTax community
Pricing

Community

Question

Converting traditional 401K to Roth 401K vs traditional 401K to Roth IRA, is one path better over the other?

Forum|Forum|10 months ago
May 25, 2025
1 reply
0 views

Is there any difference when it comes to how taxes are handled and what tax forms are generated from the custodian whether you convert from a traditional 401K to Roth 401k and then roll over to a Roth IRA, vs converting directly from a traditional 401K to a Roth IRA?

Employee

I don't think there is any difference in taxes by converting traditional 401k

accounts to Roth's IRA whichever way you do it. However, it seems to me that it would be simpler to just convert the 401k to Roth IRA directly rather than making 2 conversions to get the same result. Less paperwork and confusion.

@rk38 the tax impact is the same.

However, you must first determine if the Plan even permits these conversions out of a Trad 401k. If you are under 59.5 years old, they may not.

rk38Author

Thank you for your responses!