Mega Backdoor Roth
The Mega Backdoor Roth is an advanced strategy that lets you contribute significantly more to a Roth account through your 401(k). It involves making after-tax (non-Roth) contributions to your 401(k) and then converting them to Roth, either within the plan or by rolling out to a Roth IRA.
2026 IRS Contribution Limits
Key Details
Not all 401(k) plans support after-tax contributions or in-service conversions - check with your plan administrator.
The maximum after-tax amount is $70,000 minus your employee contributions and employer match.
Convert after-tax contributions to Roth as quickly as possible to minimize taxable gains.
This is one of the most powerful ways to accelerate Roth savings for high earners.
Some plans allow automatic in-plan Roth conversions of after-tax contributions.
After leaving an employer, you can roll after-tax 401(k) contributions to a Roth IRA.