Frequently Asked Questions
What is a mega backdoor Roth?
It is a strategy that lets you contribute large after-tax dollars to a workplace 401(k) and then convert them to Roth, on top of normal contribution limits, using leftover room under the section 415(c) total additions limit.
What does my plan need to allow?
Your 401(k) must permit after-tax contributions beyond the standard deferral limit and allow either in-plan Roth conversions or in-service withdrawals to a Roth IRA. Without both, the strategy is unavailable.
Is the default contribution limit accurate?
The default is an estimate. IRS limits change annually, so confirm the current figure for your tax year and consult a qualified advisor before executing this strategy.
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This calculator provides estimates for informational purposes only. Results are based on assumptions and may not reflect actual outcomes. Consult qualified professionals in relevant fields before making important decisions based on these results.