Mega Backdoor Roth Calculator Guide

The Mega Backdoor Roth strategy allows high earners to contribute up to the maximum IRS Section 415(c) limit (currently $69,000 for 2024). To calculate your Mega Backdoor limit, you take the $69,000 total limit, subtract your standard 401(k) contribution ($23,000), and subtract any employer match. The remaining amount is what you can contribute as after-tax dollars and immediately convert to a Roth IRA. Our Mega Backdoor Roth Calculator guide helps you avoid the pro-rata rule and ensure your plan documents support in-service distributions.