MedDebt
By Suhin Nallagatla

Backdoor Roth IRA for Doctors: What It Is and When You Actually Need It

Backdoor Roth IRA for medical residents and attendings: how to do it, why it matters, pro-rata rule pitfalls, and whether residents even need it.

SN

Suhin Nallagatla

Co-founder, MedDebt · UC Berkeley, Class of 2030 (premed)

Suhin built MedDebt to give medical students the loan modeling tools that financial planners charge $500+ to provide. He tracks federal student loan policy, IDR regulations, and physician personal finance so you don't have to.

Disclosure: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Loan program details change — always verify current rules on studentaid.gov. MedDebt may earn a referral commission if you refinance through links on this site.

See your payoff timeline.

Enter your specialty, residency, and loan details. Get a customized projection in seconds.

Calculate my payoff — free →