Mega Backdoor Roth Contribution Estimator (2025 Edition)
"See how much extra you can save for retirement, tax-free, using the 2025 Mega Backdoor Roth strategy."
2025 limit: $22,500
Standard limit: $69,000
Ready to Maximize Your Tax-Free Retirement Savings?
Enter your 401(k) details to discover how much you could save with the Mega Backdoor Roth strategy.
How much can I contribute to a Mega Backdoor Roth in 2025?
You can contribute up to the 401(k) total limit ($69,000 under 50, $76,500 over 50) minus your employee contributions and employer match. This could be $30,000+ in after-tax contributions.
Is a Mega Backdoor Roth legal?
Yes, the Mega Backdoor Roth is a legitimate IRS-approved strategy. However, not all 401(k) plans support after-tax contributions or in-plan rollovers.
How do after-tax 401(k) rollovers work?
You contribute after-tax money to your 401(k), then either roll it to a Roth IRA (via distribution) or convert it to Roth 401(k) within your plan (if supported).
What's the difference between Backdoor and Mega Backdoor Roth?
A regular Backdoor Roth involves IRA contributions ($6,000-$7,000 annually), while a Mega Backdoor Roth uses 401(k) after-tax contributions, potentially allowing $30,000+ in annual tax-free contributions.