Not tax, legal, or investment advice
MegaBackdoorCheck provides general educational information about the Mega Backdoor Roth strategy. It is not tax advice, legal advice, or investment advice for your specific situation, and using this site does not create any advisory relationship.
Plan rules are plan-specific
Whether your 401(k) supports after-tax contributions and a conversion path is determined by your plan's governing documents, not by this site. The SPD decoder reflects the answers you provide; it cannot read your plan. Always confirm your plan's features with your benefits administrator before acting.
Figures change
IRS dollar limits change annually. We transcribe them from the official IRS COLA notice and date each one, but you must confirm the current-year figure for your filing year. Calculator output is an estimate based on the inputs you provide.
Consult a professional
Consult a Certified Financial Planner, CPA, or Enrolled Agent before acting on any Mega Backdoor Roth conversion. Mistakes in execution — over-contributing, mishandling basis, or misreporting forms — can have real tax consequences.
Employer registry
The employer plan registry ships as illustrative archetypes, not verified claims about any specific named company. See the methodology for how entries are sourced and verified.