Mega backdoor Roth calculator

2026 415(c) cap $72,000, elective $24,500, catch-up outside that cap. Read the mega backdoor guide if after-tax vs Roth elective is new. This does not talk to your recordkeeper.

Age band Elective deferral this year (pre-tax + Roth 401(k), not catch-up) Catch-up this year Employer match + profit sharing After-tax you plan to add

Plan allows after-tax employee money? In-plan Roth conversion or in-service rollover to Roth IRA? After-tax basis already sitting in the plan Earnings in that after-tax source Ordinary tax rate on those earnings %

2026 result

Educational estimate. 415(c) $72,000 and elective $24,500 from IRS Notice 2025-67. Catch-up $8,000 / $11,250 is modeled outside 415(c). Sequence if payroll is messy: PayPal playbook.