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Mega Backdoor Roth Calculator

FREE

Maximize your retirement savings beyond standard 401(k) limits

Investment & Retirement

Inputs

Enter your information

How It Works

1Enter your current 401(k) contributions and employer match
2Indicate if your plan allows after-tax contributions
3See how much additional tax-free savings you can accumulate
4Get strategy recommendations for implementing the mega backdoor

Assumptions

•2025 IRS limits: $23,500 employee + $7,500 catch-up (50+)
•Total 415(c) limit: $70,000 ($77,500 with catch-up)
•After-tax contributions convert to Roth immediately
•No earnings on after-tax funds before conversion

⚡Pro Features

✓Multi-year contribution planning with income projections
✓Tax impact analysis of conversion timing
✓Comparison with taxable investment alternatives

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

1Enter your current 401(k) contributions and employer match
2Indicate if your plan allows after-tax contributions
3See how much additional tax-free savings you can accumulate
4Get strategy recommendations for implementing the mega backdoor

⚡Unlock Pro Features

✓Multi-year contribution planning with income projections
✓Tax impact analysis of conversion timing
✓Comparison with taxable investment alternatives

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