If your 401(k) plan allows it, the mega backdoor lets you move a large amount of extra money into a Roth each year, far beyond the normal limits.
See how it works through one simple example.
You make extra after-tax contributions to your 401(k), then move them into a Roth.
This can be tens of thousands a year of tax-free growth, on top of normal contributions.
The only catch is that your specific plan has to allow it.
See how much tax-free growth the mega backdoor could build.
This is a rough guess. Connect your account to see your real number, down to the dollar.
A simple federal estimate to show the idea, not a tax filing. Real numbers depend on your full situation and current limits, which we confirm before you act.
Connect your account and we help confirm your plan allows it, then size the opportunity.
Free to check. Nothing happens until you say so.
The honest version.
Ask HR or your plan provider about after-tax contributions and in-plan Roth conversions.
Often tens of thousands a year, depending on your plan and other contributions.
For high savers, the tax-free growth can be very large.
Connect an account or upload last year's return. No card to get your number.
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