US 2028 Mega Backdoor Roth

Mega backdoor 2028: $24,500 elective + $46,500 after-tax up to $73,500 total. Convert after-tax to Roth in-plan or via in-service distribution. Plan must allow.

Salary ($)

Employer match ($)

Your elective deferral ($)

After-Tax Room

—

Total 401k

—

Elective deferral	—
Employer match	—
After-tax room for mega backdoor	—
Total 2028 401(k) max	—

Mega backdoor Roth: after-tax 401(k) contributions up to $73,500 total cap (2028 projected) minus elective deferral + employer match = available room. Convert via in-plan Roth conversion (best) or in-service distribution to Roth IRA. Requires plan support — only ~40% of plans allow.

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Last updated May 2026. Sources: IRS Sec 401k.