High-Income Retirement Contribution Calculator

Disclaimer: This calculator provides estimates for educational purposes only. A mega backdoor Roth requires a regular 401(k) that allows non-Roth after-tax contributions and in-plan conversions or in-service distributions. Plan limits, ADP/ACP testing, forfeitures, other employer plans and payroll withholding may reduce the statutory room. Catch-ups must be elective deferrals, never extra non-Roth after-tax deposits; classification under the annual-additions limit must be confirmed with the administrator. Employee funding comes from payroll, not outside cash. Wages mean gross eligible pay before elective deferrals, not W-2 Box 1. Other income does not supply IRA compensation. Joint IRA allocation reserves your maximum first, then allocates remaining eligible wages to your spouse. Roth and traditional IRA figures are alternatives, not additive. MAGI is approximated as AGI before new IRA contributions; foreign income, conversion exclusions, other adjustments, credits, additional age/blind deductions and OBBBA deductions are not modeled. Itemized input must already reflect legal caps/floors. Blank age assumes 35. In 2026, prior-year same-employer FICA wages above $150,000 require Roth catch-ups; blank prior wages leave that test unknown. Confirm IRA worksheets and Form 8606 before acting.