Retirement Calculator

High-Income Retirement Contribution Calculator

Find your household's after-tax "mega backdoor" 401(k) room, IRA eligibility, and tax-bracket headroom for a Roth conversion

Household Information

Filing Status

Other Household Income ($)

Deductions

I'll itemize instead

Standard deduction for single (2026): $16,100

Your Information

Age

W-2 Income ($)

Has a 401(k) or workplace retirement plan

Elective Deferral

Traditional (pre-tax) (%)

= $0

Roth (after-tax) (%)

= $0

Employer Contribution ($)

Match + profit sharing (dollar amount)

Ready to Calculate?

Enter your household's information above and click "Calculate" to see your mega backdoor Roth room, IRA eligibility, and Roth conversion headroom.

Disclaimer: This calculator provides estimates for educational purposes only. A mega backdoor Roth strategy requires a 401(k) plan that specifically allows after-tax contributions and in-plan Roth conversions or in-service withdrawals — not all plans do, and contributions can only come from that person's own payroll-deducted compensation, capped at 100% of pay per IRC §415(c)(1)(B). MAGI is approximated as household AGI here and may differ from the exact statutory definition. IRA phase-out amounts use a simple linear formula; confirm exact figures on the IRS worksheet. Consult a qualified tax professional before acting.