Mega Backdoor Roth

Basic Capital makes it easy to maximize savings and take advantage of tax strategies. Employees set up their account once to maximize their benefit with every paycheck.

Book a demo

Standard deferral

$24,500 limit

After-tax contrbutions

$72,500 limit

Contribute far more into Roth, automatically towards your retirement savings.

The Mega Backdoor Roth lets employees contribute beyond the standard 401(k) limit with after-tax dollars, then convert to Roth for tax-free growth. We set contributions to maximize it, no manual paperwork.

$72,000: total 401(k) additions allowed (across all 401(k) accounts)

Automatic: after-tax contributions set to maximize Roth

Tax-free: growth once converted to Roth

How Mega Backdoor Roth works

Go beyond the standard limit

After you hit the regular deferral cap, the IRS still allows after-tax contributions up to the overall annual additions limit.

Convert to Roth

those after-tax dollars move to Roth, where they grow and can be withdrawn tax-free in retirement.

Automated Contributions

Basic Capital sets and adjusts your contributions to capture the maximum—no spreadsheets, no missed limits.

Contribute far more into Roth, automatically towards your retirement savings.

Your team isn't one-size-fits-all. Your 401(k) shouldn't be either.