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Nondeductible IRAs: How they often become backdoor Roth conversions Bankrate 1/15/2021 James Royal © Yellow Dog Productions Inc/Getty Images A middle-aged Black couple holds one another laughing in front of a park A non-deductible IRA offers one of the two major tax-savings benefits of a traditional IRA: the ability to grow your money tax-deferred until you take it out in retirement. The benefit it lacks - and why it s called non-deductible - is that a worker s contribution is not made with pre-tax funds but rather with after-tax funds, meaning it does not receive a tax break on contributions. Popular Searches How a non-deductible IRA works

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