أمريكامحدث لعام 2026retirementMega Backdoor Roth 401(k) Contribution Calculator 2026
Calculate your maximum after-tax non-Roth 401(k) contribution room for execution of a Mega Backdoor Roth strategy up to the statutory $70,000 / $77,500 IRC § 415(c) limit.
Maximum Mega Backdoor After-Tax Capacity
بيانات ومدخلات الحساب
Maximum Mega Backdoor After-Tax Capacity
Total Annual Roth Savings Capacity
Monthly After-Tax Contribution Target
Total Statutory IRC § 415(c) Limit
The Mega Backdoor Roth requires your employer's 401(k) plan to permit voluntary after-tax contributions and in-service distributions or in-plan Roth conversions (IRC § 402A(c)(4)).
آلية ومعادلة الحساب القانونية
Total 415(c) Plan Limit = $70,000 (plus $7,500 Catch-up if age 50+). Mega Backdoor After-Tax Capacity = max(0, Plan Limit - Regular Employee Deferral ($23,500) - Employer Match & Profit Sharing). Future Tax-Free Value = Compound interest on converted Roth assets.
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