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Mega backdoor Roth room

2026 figures · nothing you type leaves your browser

Your 401(k) deferrals this year Employer match and profit sharing Years until retirement

How it works

Everything that goes into a 401(k) for one person — your deferrals, your employer's money and after-tax contributions — shares one 2026 limit of $72,000 (§415(c); catch-up contributions sit on top). Whatever room is left can go in as after-tax contributions and be converted to Roth straight away, if your plan allows both. The value shown compares that Roth money with investing the same amount in a taxable account at 6.5% a year, with a 1.5% dividend yield taxed yearly and gains taxed at the end.