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Roth 401K and Roth IRA confusion - please help
Posted on 2/19/25 at 12:51 pm
Posted on 2/19/25 at 12:51 pm
My company provides Roth 401K and 401K. I also back door my 7K through traditional IRA.
So can I do 23K 401K pre tax, 7500 in post tax in Roth 401K and back door 7K from my traditional IRA to Roth IRA?
I’m over the annual limit . Pleas advise
So can I do 23K 401K pre tax, 7500 in post tax in Roth 401K and back door 7K from my traditional IRA to Roth IRA?
I’m over the annual limit . Pleas advise
3
Posted on 2/19/25 at 1:27 pm to glorymanutdtiger
The 401k limits apply to 401k and Roth 401k. If you wanted to contribute to a Roth 401k you would have to deduct money from your 401k contributions to put in there
Posted on 2/19/25 at 1:56 pm to glorymanutdtiger
quote:
So can I do 23K 401K pre tax
Sure
,
quote:
7500 in post tax in Roth 401K
Can't do a direct roth 401k contribution(counts against the 23k as already mentioned). But depending on your 401k, you can look into doing a mega backdoor Roth...i.e. contribute "after tax" contributions to your 401k and then convert them to a roth ira. Highly dependent on your plan and you'd probably need to ask your plan administrator about it.
quote:
and back door 7K from my traditional IRA to Roth IRA?
Sure this is indepdent from the above. As usual look into the pro rata rule and make it doesn't apply to you. This has recently been discussed in another thread.
Posted on 2/19/25 at 10:13 pm to Puffoluffagus
Thank you. This gives me an idea.
Posted on 2/20/25 at 7:50 am to glorymanutdtiger
There is no income limit on making Roth 401k contributions. You can directly contribute $23,500 to your Roth 401k and an additional $7,500 in Roth 401k catch up contributions. Starting in 2026 you can also elect your company match as a Roth based contribution.
In addition to this your backdoor Roth conversions from Traditional IRA to Roth IRA do not count against your annual contribution limit because it’s not a contribution. You can convert $100,000 this year into a Roth and still max out your 401k with Roth contributions
In addition to this your backdoor Roth conversions from Traditional IRA to Roth IRA do not count against your annual contribution limit because it’s not a contribution. You can convert $100,000 this year into a Roth and still max out your 401k with Roth contributions
Posted on 2/20/25 at 7:55 am to Civildawg
It’s confusing but your total contributions into your 401k plan for 2025 is $23,500 plus another $7,500 if over age 50.
A 401k is not split between a Roth 401k and regular 401k. You only have one plan. How that contribution is coded such as pre tax or Roth is up to you but the combined limit is $31,000 together.
A 401k is not split between a Roth 401k and regular 401k. You only have one plan. How that contribution is coded such as pre tax or Roth is up to you but the combined limit is $31,000 together.
Posted on 2/20/25 at 9:46 am to amsterdam
quote:
Starting in 2026 you can also elect your company match as a Roth based contribution.
Sweet, that’s the first I’ve heard of this.
Posted on 2/20/25 at 9:59 am to Theduckhunter
I believe you'll be able to convert contributions from your employer over to roth within your 401k plans, which will lead to it being taxed as income when you do. It's basically letting you skip the step of converting 401k funds to a roth IRA and just letting you do it in-plan between 401k's, if I'm understanding it correctly.
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