Greetings, McGill83, and welcome. You asked:<<My wife has a traditional IRA, where $2300is/was non-deductable contributions.Can this be rolled over to a Rothtax impact free , while leaving the restof what was deductable in the traditional ?>>No, she cannot. All traditional IRA money, whether in one or multiple accounts, is aggregated to determine what part of a distribution is taxed. If you wife made $2,300 of nondeductible contributions to one or more IRAs now worth $11,500, then 20% ($2,300 divided by $11,500) of any transfer to a Roth IRA would not be taxed, but 80% (($11,500 minus $2,300) divided by $11,500) would. Thus, if she transferred $2,300 to a Roth, $1,840 of it in this example would be taxable.Regards….Pixy
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