Can I Make a Mega Backdoor Roth IRA Contribution?

You may be eligible to make a Mega Backdoor Roth IRA contribution. At a high level, this involves making a non-Roth, after-tax contribution to your 401(k), then rolling it into a Roth IRA. Under the right circumstances, this can allow you to contribute tens of thousands of dollars into a Roth IRA. However, the rules are very restrictive and prohibitive for most individuals, and can be difficult to navigate.

Use the “Can I Make A Mega Backdoor Roth IRA Contribution?” flowchart to help you navigate the complexities of the Mega Roth. It addresses some of the most common issues that arise for individuals trying to make a Mega Backdoor Roth IRA contribution.