Tax Playbook · Keep more of each paycheck
Mega backdoor Roth
Some 401(k) plans let you put in extra after-tax money — far more than the normal limit — and then slide it into the Roth side of the plan. In 2026 the total going into a 401(k) can reach $72,000 this way. It only works if your employer's plan allows it, so check with HR first.
Good for: Employees whose 401(k) lets them add after-tax money.
Learn the basics
Recent articles & guides
- Fidelity — mega backdoor Roth explainer
- Buck by Buck — setting it up at Fidelity
- IRS — 401(k) and profit-sharing contribution limits
On this site
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Educational summary, not tax advice. Limits and rules change — confirm current law with your tax adviser.