🕷️ Crawler Inspector

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Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 34 (from laksa028)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa034.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions","crawl_time":1775131326,"first_indexed_time":1763162657,"http_code":200,"src_unparsed":"com,nerdwallet!www,\/retirement\/learn\/after-tax-401k-contributions s443","src_root_hash":"10009614238684002234","history_drop_reason":null,"meta_title":"After-Tax 401(k) Contributions - NerdWallet","meta_descriptions":["After-tax 401(k) contributions are deposits of after-tax dollars into 401(k) accounts. These contributions aren't tax-deductible by may be withdrawn tax-free."],"attrs_boilerpipe_text":"If you’ve reached your\n401(k) annual contribution limit\n, you’re probably a super saver. The good news is, if you have additional dollars at your disposal, you may be able to add them to your 401(k) account using after-tax contributions.\nWhat is an after-tax 401(k)?\nAn after-tax 401(k) contribution refers to after-tax dollars going toward a 401(k) account. Because you've already paid taxes on these funds, your taxable income isn't lowered for the year. A major appeal of the after-tax contribution is that you aren't limited to the annual 401(k) limit and that the contributions can be withdrawn tax-free, similar to a\nRoth IRA\nor a\nRoth 401(k)\n.\nThe catch is that not all 401(k) plans allow after-tax contributions.\nHow after-tax 401(k) contributions work\nSay you have a traditional 401(k) plan at work, and you make contributions through payroll.\nThe contribution limit is\n$24,500 in 2026. People aged 50 and older can contribute an extra $8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of $11,250.\nYour employer might also match a percentage of your contribution.\nIf your contributions and your employer match don't add up to the combined annual limit of $70,000 in 2025, or your total limit with catch-up dollars factored in (either $77,500 or $81,250, depending on your age), you may be able to keep adding post-tax money to your 401(k) until you get to that amount\n.\nTo illustrate after-tax contributions, here's an example: Rachel is 45 years old, earns $100,000 and has a 401(k) account at work. She contributes $23,500 in 2025, the maximum for that year. Her employer offers a 100% employee match, up to 6% of her annual salary, which comes up to $6,000. This means Rachel now has $29,500 in her 401(k). Because the overall annual 401(k) limit for her age is $70,000, and because her employer’s 401(k) plan allows for after-tax contributions, she can put an additional $40,500 in after-tax dollars into her 401(k).\nNot every employer provides an after-tax 401(k) contribution option, so check to see if it’s something you have access to.\nStrategies for after-tax 401(k) contributions\nYou can increase your 401(k) savings by adding after-tax contributions, but there is a caveat: While contributions can come out in retirement tax-free, any earnings you make on those contributions are taxable\n. To minimize your taxes, you might consider rolling your after-tax contributions into a Roth IRA and the earnings into a traditional IRA (more on this below).\nPut contributions into a Roth\nYou may be able to put your after-tax contributions into a designated Roth account to ensure tax-free withdrawals during retirement. That is, as long as you wait until age 59 ½ to withdraw, and you make your first contribution at least five years before then.\nThere are two ways you can roll after-tax contribution dollars into a Roth account:\nIn-plan conversion\n: If your job offers an in-plan conversion, you can convert all or some of your 401(k) into a Roth account within your plan. You have to pay taxes on any earnings, and any amount you haven't paid taxes on before. But, like with a Roth IRA, your withdrawals in the future would be tax-free. Some plans have an auto-convert feature that automatically converts your after-tax contributions into a designated Roth.\nIn-service withdrawal\n: If your employer offers in-service distributions or withdrawals, you can do a\nmega backdoor Roth\n. This is when you roll after-tax contributions into a Roth IRA outside of your retirement plan.\nIf your employer doesn’t offer in-plan conversions or in-service distributions on your 401(k) plan, you might consider asking what your options are for withdrawing money and putting it into an IRA. Make sure to ask about the rules associated with withdrawing money from your 401(k) and any potential penalties.\nSplit between a traditional and Roth IRA to defer taxes\nIf you want to defer paying taxes on your after-tax contribution earnings, you can put the after-tax dollars into a Roth IRA because you’ve already paid taxes on it, and put your earnings into a traditional IRA. If you choose to split your contributions this way, you pay taxes on the earnings whenever you withdraw the money from your traditional IRA.\nLet's say you made a $30,000 after-tax contribution to your 401(k). At the end of the year, when you check your account, you realize you made $1,000 in earnings. You could either roll the total sum, $31,000, into a Roth IRA and pay taxes on the $1,000 you earned, or you could put $30,000 in a Roth IRA and $1,000 into a traditional IRA. If you choose the latter, you don’t have to pay taxes until you withdraw from your traditional IRA during retirement.\nAD\nHow does your\nnet worth stack up?\nSee where you stand compared to households like yours, and get steps you could take to grow from here.\nRun the numbers\nNWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only.\nBenefits of after-tax contributions\nVanguard’s report states that 10% of those surveyed who had access to after-tax 401(k) contributions made them, and they tended to have higher incomes\n.   P\nIf you are a high earner, another reason to consider after-tax 401(k) contributions is that, unlike the Roth IRA, there are no income restrictions on making after-tax 401(k) contributions.\nYou can also withdraw your after-tax contributions without penalty or taxes\n. Your earnings on those contributions grow tax-deferred, but if you take those out, you do have to pay taxes. If you’re younger than 59 ½, you may also have to pay a 10% penalty when you withdraw.\nAre after-tax 401(k) contributions right for me?\nIf you’re a high earner\nand have maxed out your pre-tax 401(k) contributions, putting after-tax dollars into a 401(k) might be a good option for you to boost your retirement savings.\nIf you want investments to grow tax-deferred\nfor retirement and would rather not open a brokerage account, this could fit your needs. Why might 401(k) after-tax contributions be better? “It tends to be a little more tax-efficient to save within the after-tax 401(k) because you’re getting the tax-free compounding and then the tax-free withdrawals in retirement, whereas if you have a taxable brokerage account, at a minimum, you’re paying some capital gains taxes when you sell appreciated securities,” says Benz.\nIf you decide not to do a rollover\nbecause your employer doesn’t offer in-plan conversions or in-service distributions, think carefully about whether after-tax contributions are right for you. If you leave your after-tax contributions to grow tax-deferred in your 401(k), you’ll have to pay taxes on any earnings once you withdraw them.","attrs_markdown":"[Skip to content](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#main)[![Nerdwallet 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logo](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2221px%22%20width%3D%22127px%22%20viewBox%3D%22-361.3%20271.3%20128.3%2018.5%22%20aria-hidden%3D%22true%22%20%3E%3Cpath%20fill%3D%22%238DC63F%22%20d%3D%22M-233.4%20279.6h-2.7v5c0%20.6.1%201.1.4%201.4.2.3.7.5%201.3.5.2%200%20.4%200%20.7-.1h.1c.2%200%20.4.1.5.4v2.4c0%20.2-.1.3-.3.4-.2.1-.5.1-.8.2-.5.1-.9.1-1.4.1-.9%200-1.6-.1-2.2-.3-.6-.2-1.1-.5-1.4-.9-.4-.4-.6-.9-.8-1.5-.2-.6-.2-1.2-.2-1.9v-11.7c0-.2.2-.4.4-.4h3c.3%200%20.5.2.5.5l.3%203h2.7c.2%200%20.4.2.4.4v2.4c-.1%200-.3.1-.5.1zm-17.7%204.4c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.9-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c-.1-.7-.3-1.3-.7-1.8zm-10.9%209.7h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-7.2%200h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c0%20.2-.2.4-.4.4zm-7.1%200h-2.6c-.2%200-.4-.1-.5-.4l-.3-1c-.4.4-1%20.8-1.7%201.1-.6.3-1.3.5-2.1.5h-.7c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201.1%200%202%20.2%202.7.5.6.3%201%20.6%201.4.9l.3-1.2c.1-.2.3-.4.5-.4h3c.2%200%20.4.2.4.4v12.7c.1.4-.1.6-.3.6zm-3.9-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3-.1-.7-.2-1.1zm-14.4%207.4c-.1.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-2.5-7.8h-.1l-2.4%207.8c0%20.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-4.2-12.2c-.1-.2.1-.5.4-.5h3.8c.2%200%20.3.1.4.3l2.2%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.7c.2%200%20.3.1.4.3l2.3%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.6c.3%200%20.4.3.4.5l-4.2%2012.2zm-19.5.3h-2.6c-.2%200-.4-.1-.5-.4l-.3-.8c-.4.4-.9.7-1.5%201-.7.4-1.6.5-2.6.6h-.3c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201%200%201.8.2%202.4.5.7.4%201.2.8%201.5%201.2h.1v-6.1c0-.2.2-.4.4-.4h3.5c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-4-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3%200-.7-.2-1.1zm-10.2-5.2l-.1%203c0%20.2-.2.4-.4.3h-.7c-.6%200-1.1.1-1.4.3-.4.2-.7.5-.9.8-.2.3-.4.6-.5%201-.1.3-.2.6-.2.9v6.3c0%20.2-.2.4-.4.4h-3.5c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.2.5.4l.3.9a5%205%200%200%201%201.6-1.1c.2-.1.4-.2.6-.2.5-.2%201-.3%201.5-.3h.6c.1-.1.2.1.2.3zm-19.5%207.6c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.8-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c0-.7-.2-1.3-.7-1.8zm-10.7%209.7h-3.6c-.2%200-.4-.2-.4-.4v-6.7c0-.4%200-.7-.1-1l-.3-.9c-.1-.3-.3-.5-.6-.6-.3-.1-.6-.2-1-.2s-.7.1-1%20.2c-.3.1-.5.4-.7.6-.2.3-.3.6-.4.9-.1.3-.1.7-.1%201.1v6.7c0%20.2-.2.4-.4.4h-3.6c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.1.5.4l.3.8c.4-.4.9-.7%201.5-1%20.7-.3%201.5-.5%202.5-.5h.1c.8%200%201.6.2%202.1.5.6.3%201.1.7%201.5%201.2.4.5.6%201.1.8%201.7.2.6.2%201.3.2%201.9v7.6c.2.1.1.3-.1.3z%22%20%2F%3E%3C%2Fsvg%3E)](https:\/\/www.nerdwallet.com\/)\n\nCredit 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401(k) Contributions\n\nAdvertiser disclosure\n\n### You're our first priority. Every time.\nNerdWallet, Inc. is an independent publisher and comparison service, not an investment advisor. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance.\n\nWe believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.\n\nSo how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.  [Here is a list of our partners](https:\/\/www.nerdwallet.com\/p\/our-partners).\n# After-Tax 401(k) Contributions\nAfter-tax 401(k) contributions can be a smart way for high earners to grow their retirement investments.\n\n![](https:\/\/www.nerdwallet.com\/tachyon\/2021\/11\/GettyImages-1304209524.jpg?resize=1920%2C1152)\n\nMany, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of [our partners](https:\/\/www.nerdwallet.com\/p\/our-partners) and [here's how we make money](https:\/\/www.nerdwallet.com\/p\/advertiser-disclosure).\n***\nThe investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.\n\nUpdated\n\nNov 17, 2025\n\n· 3 min read\n\nFact Checked\n\nHow is this page expert verified?\n\nNerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.\n\n[More on our editorial rigor](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines)\n\n[![Elizabeth Ayoola](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2023\/03\/Elizabeth-Ayoola--e1680126048940-160x160.jpeg)](https:\/\/www.nerdwallet.com\/author\/elizabeth-ayoola)\n\nWritten by\n\nElizabeth Ayoola\n\n[![Elizabeth Ayoola](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2023\/03\/Elizabeth-Ayoola--e1680126048940-160x160.jpeg)](https:\/\/www.nerdwallet.com\/author\/elizabeth-ayoola)\n\n[Elizabeth Ayoola](https:\/\/www.nerdwallet.com\/author\/elizabeth-ayoola)\n\nWriter\n***\n8 years of experience\n\nExpertise\n\n- Retirement\n- credit\n- wellness\n\nElizabeth Ayoola is a Lead Multimedia Producer and Co-Host of the \"Smart Money\" podcast. Before delving into the podcast world, Elizabeth acquired over ten years of experience as a writer, and seven were spent covering personal finance topics. Her journey to finance writing started with a goal to learn as much as she could about how to attain financial freedom and share information with others about how to do it, too. This led her to Debt.com, where she covered topics relating to mortgages, debt and credit. Her articles have appeared on platforms like Washington Post, The Associated Press, The Washington Post, Yahoo, Essence, The Knot, PopSugar and Parents.com. Elizabeth has also done extensive spokesperson work and appeared on multiple renowned national networks like Good Morning America, ABC, NBC, and Fox to discuss money.\n\nPublished in ![Entrepreneur](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/Entrepreneur.webp)![Good Morning America](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/GoodMorningAmerica.webp)![Nasdaq.com](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/NASDAQ.webp)![The Associated Press](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheAssociatedPress.webp)\n\nWriter\n\n\\+    more\n\n[![Raquel Tennant](https:\/\/www.nerdwallet.com\/tachyon\/2022\/07\/Retouched_DSCF1381_-e1657711356598.jpg?resize=160%2C160)](https:\/\/www.nerdwallet.com\/reviewer\/raquel-tennant)\n\nReviewed by\n\nRaquel Tennant\n\n[![Raquel Tennant](https:\/\/www.nerdwallet.com\/tachyon\/2022\/07\/Retouched_DSCF1381_-e1657711356598.jpg?resize=160%2C160)](https:\/\/www.nerdwallet.com\/reviewer\/raquel-tennant)\n\n[Raquel Tennant](https:\/\/www.nerdwallet.com\/reviewer\/raquel-tennant)\n\nCertified Financial Planner®\n***\nExpertise\n\n- financial planning\n- wealth management\n- high net worth\n- underserved communities\n- retirement planning\n\nRaquel Tennant, CFP®, is a financial guide at Fruitful, a financial wellness platform providing members with unlimited financial advice and access to financial planning to the masses at a low cost. Tennant began her career in the fee-only RIA firm space, serving ultra high-net worth clients and is now proud to align her passion for helping younger, diverse and underserved clients, who often feel neglected by traditional firms. A graduate of Towson University, Tennant is one of the first 12 inaugural graduates of Towson's CFP Board Registered Financial Planning major and the first of her class to pass the CFP exam. She proudly collaborates with her alma mater as a writer and guest speaker to students, faculty and staff, bringing awareness to both the financial planning major and the RIA financial planning industry. She has been featured on 2050 TrailBlazer’s podcast episode “The Power of Partnership”, CFP Board’s \"Stay on Your Path\" video, and Towson’s College of Business & Economics “Finding the Right Fit” news feature. Tennant is also a CFP Board professional mentor.\n***\nAt NerdWallet, our content goes through a rigorous [editorial review process.](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines) We have such confidence in our accurate and useful content that we let outside experts inspect our work.\n\nCertified Financial Planner®\n\n\\+    more\n\n[![Pamela de la Fuente](https:\/\/www.nerdwallet.com\/tachyon\/2020\/09\/Screen-Shot-2020-09-01-at-2.07.15-PM.png?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/pamela-de-la-fuente)\n\nEdited by\n\nPamela de la Fuente\n\n[![Pamela de la Fuente](https:\/\/www.nerdwallet.com\/tachyon\/2020\/09\/Screen-Shot-2020-09-01-at-2.07.15-PM.png?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/pamela-de-la-fuente)\n\n[Pamela de la Fuente](https:\/\/www.nerdwallet.com\/author\/pamela-de-la-fuente)\n\nManaging Editor\n***\n23 years of experience\n\nExpertise\n\n- Personal Finance\n- Budgeting\n- Taxes\n- Retirement\n- Underrepresented communities\n\nPamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage.\n\nAsk her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more.\n\nPreviously, she led taxes and retirement coverage at NerdWallet.\n\nPamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years.\n\nPamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all.\n\nShe is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group.\n\nManaging Editor\n\n\\+    more\n\n[![June Sham](https:\/\/www.nerdwallet.com\/tachyon\/2023\/04\/336189831_5685987188176353_2746243523277238701_n-e1681950652588.jpg?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/june-sham)\n\nCo-written by\n\nJune Sham\n\n[![June Sham](https:\/\/www.nerdwallet.com\/tachyon\/2023\/04\/336189831_5685987188176353_2746243523277238701_n-e1681950652588.jpg?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/june-sham)\n\n[June Sham](https:\/\/www.nerdwallet.com\/author\/june-sham)\n\nLead Writer\n***\n4 years of experience\n\nExpertise\n\n- Personal finance\n- retirement\n\nJune Sham is a lead writer on NerdWallet’s investing and taxes team covering retirement and personal finance. She is a licensed insurance producer, and previously was an insurance writer for Bankrate specializing in home, auto and life insurance. She earned her Bachelor of Arts in creative writing at the University of California, Riverside.\n\nLead Writer\n\n\\+    more\n\nSOME CARD INFO MAY BE OUTDATED\n\nThis page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.\n\nIf you’ve reached your [401(k) annual contribution limit](https:\/\/www.nerdwallet.com\/retirement\/learn\/401k-contribution-limits), you’re probably a super saver. The good news is, if you have additional dollars at your disposal, you may be able to add them to your 401(k) account using after-tax contributions.\n\n## What is an after-tax 401(k)?\nAn after-tax 401(k) contribution refers to after-tax dollars going toward a 401(k) account. Because you've already paid taxes on these funds, your taxable income isn't lowered for the year. A major appeal of the after-tax contribution is that you aren't limited to the annual 401(k) limit and that the contributions can be withdrawn tax-free, similar to a [Roth IRA](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira) or a [Roth 401(k)](https:\/\/www.nerdwallet.com\/retirement\/learn\/roth-401k).\n\nThe catch is that not all 401(k) plans allow after-tax contributions.\n\n## How after-tax 401(k) contributions work\nSay you have a traditional 401(k) plan at work, and you make contributions through payroll.\n\nThe contribution limit is \\$24,500 in 2026. People aged 50 and older can contribute an extra \\$8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of \\$11,250.\n\nYour employer might also match a percentage of your contribution.\n\nIf your contributions and your employer match don't add up to the combined annual limit of \\$70,000 in 2025, or your total limit with catch-up dollars factored in (either \\$77,500 or \\$81,250, depending on your age), you may be able to keep adding post-tax money to your 401(k) until you get to that amount\n\n\\[1\\]\n\nIRS. [Retirement Topics - 401(k) and Profit-Sharing Plan Contribution Limits.](https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-401k-and-profit-sharing-plan-contribution-limits) Accessed Nov 17, 2025.\n\n[View all sources](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#citation-list)\n\n.\n\nTo illustrate after-tax contributions, here's an example: Rachel is 45 years old, earns \\$100,000 and has a 401(k) account at work. She contributes \\$23,500 in 2025, the maximum for that year. Her employer offers a 100% employee match, up to 6% of her annual salary, which comes up to \\$6,000. This means Rachel now has \\$29,500 in her 401(k). Because the overall annual 401(k) limit for her age is \\$70,000, and because her employer’s 401(k) plan allows for after-tax contributions, she can put an additional \\$40,500 in after-tax dollars into her 401(k).\n\nNot every employer provides an after-tax 401(k) contribution option, so check to see if it’s something you have access to.\n\n» MORE: [Calculate how long your retirement savings might last](https:\/\/www.nerdwallet.com\/retirement\/learn\/how-long-will-your-retirement-savings-last)\n\n## Strategies for after-tax 401(k) contributions\nYou can increase your 401(k) savings by adding after-tax contributions, but there is a caveat: While contributions can come out in retirement tax-free, any earnings you make on those contributions are taxable\n\n\\[2\\]\n\nInternal Revenue Service. [Rollovers of After-Tax Contributions in Retirement Plans.](https:\/\/www.irs.gov\/retirement-plans\/rollovers-of-after-tax-contributions-in-retirement-plans) Accessed Nov 17, 2025.\n\n[View all sources](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#citation-list)\n\n. To minimize your taxes, you might consider rolling your after-tax contributions into a Roth IRA and the earnings into a traditional IRA (more on this below).\n### Put contributions into a Roth\nYou may be able to put your after-tax contributions into a designated Roth account to ensure tax-free withdrawals during retirement. That is, as long as you wait until age 59 ½ to withdraw, and you make your first contribution at least five years before then.\n\nThere are two ways you can roll after-tax contribution dollars into a Roth account:\n\n- In-plan conversion: If your job offers an in-plan conversion, you can convert all or some of your 401(k) into a Roth account within your plan. You have to pay taxes on any earnings, and any amount you haven't paid taxes on before. But, like with a Roth IRA, your withdrawals in the future would be tax-free. Some plans have an auto-convert feature that automatically converts your after-tax contributions into a designated Roth.\n\n- In-service withdrawal: If your employer offers in-service distributions or withdrawals, you can do a [mega backdoor Roth](https:\/\/www.nerdwallet.com\/retirement\/learn\/mega-backdoor-roths-work). This is when you roll after-tax contributions into a Roth IRA outside of your retirement plan.\n\nIf your employer doesn’t offer in-plan conversions or in-service distributions on your 401(k) plan, you might consider asking what your options are for withdrawing money and putting it into an IRA. Make sure to ask about the rules associated with withdrawing money from your 401(k) and any potential penalties.\n\n» Learn more: [Taxes on 401(k) withdrawals and contributions](https:\/\/www.nerdwallet.com\/taxes\/learn\/401k-taxes)\n\n### Split between a traditional and Roth IRA to defer taxes\nIf you want to defer paying taxes on your after-tax contribution earnings, you can put the after-tax dollars into a Roth IRA because you’ve already paid taxes on it, and put your earnings into a traditional IRA. If you choose to split your contributions this way, you pay taxes on the earnings whenever you withdraw the money from your traditional IRA.\n\nLet's say you made a \\$30,000 after-tax contribution to your 401(k). At the end of the year, when you check your account, you realize you made \\$1,000 in earnings. You could either roll the total sum, \\$31,000, into a Roth IRA and pay taxes on the \\$1,000 you earned, or you could put \\$30,000 in a Roth IRA and \\$1,000 into a traditional IRA. If you choose the latter, you don’t have to pay taxes until you withdraw from your traditional IRA during retirement.\n\n» MORE: [This quiz can help you see if it's time to get a financial advisor](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/do-i-need-financial-advisor)\n\nAD\n\nHow does your\n\nnet worth stack up?\n\nSee where you stand compared to households like yours, and get steps you could take to grow from here.\n\n![Head, Person, Face](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2025\/12\/image-14.jpg)\n\n[Run the numbers](https:\/\/nerdwalletwealthpartners.com\/lp\/networthcalculator?utm_medium=nw_wealth_partners_cta&utm_source=nerdwallet&utm_campaign=nwwp_mtkg__networthad_internal_032526&utm_term=%2Fretirement%2Flearn%2Fafter-tax-401k-contributions)\n\nNWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only.\n## Benefits of after-tax contributions\nVanguard’s report states that 10% of those surveyed who had access to after-tax 401(k) contributions made them, and they tended to have higher incomes\n\n\\[3\\]\n\nVanguard. [How America Saves 2025.](https:\/\/institutional.vanguard.com\/content\/dam\/inst\/iig-transformation\/insights\/pdf\/2024\/has\/how_america_saves_report_2024.pdf) Accessed Apr 9, 2025.\n\n[View all sources](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#citation-list)\n\n. P\n\nIf you are a high earner, another reason to consider after-tax 401(k) contributions is that, unlike the Roth IRA, there are no income restrictions on making after-tax 401(k) contributions.\n\nYou can also withdraw your after-tax contributions without penalty or taxes\n\n\\[4\\]\n\nIRS.gov. [Roth account in your retirement plan.](https:\/\/www.irs.gov\/retirement-plans\/roth-acct-in-your-retirement-plan) Accessed Nov 17, 2025.\n\n[View all sources](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#citation-list)\n\n. Your earnings on those contributions grow tax-deferred, but if you take those out, you do have to pay taxes. If you’re younger than 59 ½, you may also have to pay a 10% penalty when you withdraw.\n\n» MORE: [How capital gains tax works and how to save](https:\/\/www.nerdwallet.com\/taxes\/learn\/capital-gains-tax-rates)\n\n## Are after-tax 401(k) contributions right for me?\n- If you’re a high earner and have maxed out your pre-tax 401(k) contributions, putting after-tax dollars into a 401(k) might be a good option for you to boost your retirement savings.\n- If you want investments to grow tax-deferred for retirement and would rather not open a brokerage account, this could fit your needs. Why might 401(k) after-tax contributions be better? “It tends to be a little more tax-efficient to save within the after-tax 401(k) because you’re getting the tax-free compounding and then the tax-free withdrawals in retirement, whereas if you have a taxable brokerage account, at a minimum, you’re paying some capital gains taxes when you sell appreciated securities,” says Benz.\n- If you decide not to do a rollover because your employer doesn’t offer in-plan conversions or in-service distributions, think carefully about whether after-tax contributions are right for you. If you leave your after-tax contributions to grow tax-deferred in your 401(k), you’ll have to pay taxes on any earnings once you withdraw them.\n\n» MORE: [How to find a financial advisor](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-to-choose-a-financial-advisor)\n\nArticle sources  Article sources\n\nNerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our  [editorial guidelines.](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines)\n\n- [1\\.](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#citation-121803617)  IRS. [Retirement Topics - 401(k) and Profit-Sharing Plan Contribution Limits.](https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-401k-and-profit-sharing-plan-contribution-limits) Accessed Nov 17, 2025.\n- [2\\.](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#citation-774987541)  Internal Revenue Service. [Rollovers of After-Tax Contributions in Retirement Plans.](https:\/\/www.irs.gov\/retirement-plans\/rollovers-of-after-tax-contributions-in-retirement-plans) Accessed Nov 17, 2025.\n- [3\\.](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#citation-2050153902)  Vanguard. [How America Saves 2025.](https:\/\/institutional.vanguard.com\/content\/dam\/inst\/iig-transformation\/insights\/pdf\/2024\/has\/how_america_saves_report_2024.pdf) Accessed Apr 9, 2025.\n- [4\\.](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#citation-3379543889)  IRS.gov. [Roth account in your retirement plan.](https:\/\/www.irs.gov\/retirement-plans\/roth-acct-in-your-retirement-plan) Accessed Nov 17, 2025.\n\n[Back to top]()\n\nAbout the authors\n\n[![Elizabeth Ayoola](https:\/\/www.nerdwallet.com\/tachyon\/2023\/06\/Elizabeth-Ayoola-.jpeg?resize=70%2C70)](https:\/\/www.nerdwallet.com\/author\/elizabeth-ayoola)\n\n[Elizabeth Ayoola](https:\/\/www.nerdwallet.com\/author\/elizabeth-ayoola)  Elizabeth Ayoola is a Lead Multimedia Producer and Co-Host of the Smart Money Podcast. Her work has been featured in The Associated Press, The Washington Post, MSN, Debt.com, ESSENCE, The Knot, and POPSUGAR.  [See full bio.](https:\/\/www.nerdwallet.com\/author\/elizabeth-ayoola)\n\n[![June Sham](https:\/\/www.nerdwallet.com\/tachyon\/2023\/04\/336189831_5685987188176353_2746243523277238701_n-e1681950652588.jpg?resize=70%2C70)](https:\/\/www.nerdwallet.com\/author\/june-sham)\n\n[June Sham](https:\/\/www.nerdwallet.com\/author\/june-sham)  June Sham is a lead writer on NerdWallet's investing and taxes team covering retirement and personal finance.  [See full bio.](https:\/\/www.nerdwallet.com\/author\/june-sham)\n\nOn this page\n\n[Back to top ↑]()\n\nOn this page\n\n╳\n\n- [What is an after-tax 401(k)?](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#what-is-an-aftertax-401k)\n- [How after-tax 401(k) contributions work](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#how-aftertax-401k-contributions-work)\n- [Strategies for after-tax 401(k) contributions](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#strategies-for-aftertax-401k-contributions)\n  Strategies for after-tax 401(k) contributions\n  - [Put contributions into a Roth](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#put-contributions-into-a-roth)\n  - [Split between a traditional and Roth IRA to defer taxes](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#split-between-a-traditional-and-roth-ira-to-defer-taxes)\n- [Benefits of after-tax contributions](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#benefits-of-aftertax-contributions)\n- [Are after-tax 401(k) contributions right for me?](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions#are-aftertax-401k-contributions-right-for-me)\n\nMore like this\n\n[Investment Basics](https:\/\/www.nerdwallet.com\/investing\/learn)[Investing](https:\/\/www.nerdwallet.com\/investing)\n\nRelated articles\n\n[![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2018\/04\/GettyImages-1163568487-600x360.jpg) How Much Does a Financial Advisor Cost? ![Andrea Coombes's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2019\/08\/acoombes-user-avatar.jpg?resize=70%2C70) 2 By Andrea Coombes, Taryn Phaneuf](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-much-does-a-financial-advisor-cost)\n\n[![Person 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(CA resident license no.OK92033) [Insurance Licenses](https:\/\/www.nerdwallet.com\/nerdwallet-insurance-services-inc-licenses-and-disclosures)\n\nFundera, Inc. NMLS ID\\# 1240038[NMLS Consumer Access](https:\/\/nmlsconsumeraccess.org\/)\n\nCalifornia: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License \\#603L288\n\nNerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open investment advisory accounts (Automated Investing Account and\/or Treasury Account) with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC (\"Atomic Brokerage\"), member of [FINRA](https:\/\/www.finra.org\/#\/)\/[SIPC](https:\/\/www.sipc.org\/) and an affiliate of Atomic, which creates a conflict of interest. See details about Atomic, in their [Form CRS](https:\/\/reports.adviserinfo.sec.gov\/crs\/crs_313255.pdf), [Form ADV Part 2A](https:\/\/adviserinfo.sec.gov\/firm\/brochure\/313255) and [Privacy Policy](https:\/\/legal.atomicvest.com\/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf). See details about Atomic Brokerage in their [Form CRS](https:\/\/files.brokercheck.finra.org\/crs_315263.pdf), [General Disclosures](https:\/\/legal.atomicvest.com\/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf), [fee schedule](https:\/\/legal.atomicvest.com\/usa.broker.schedule.7ea28665-88a9-4542-a748-987e90ea46b6.pdf), and FINRA’s [BrokerCheck](https:\/\/brokercheck.finra.org\/).\n\nYou also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program. [View Important Cash Account Disclosures.](https:\/\/www.atomicvest.com\/legal\/disclosures\/7d9c31dd-bf97-46ae-9803-1774b97187af)\n\nNeither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged.\n\nImages are for illustrative purposes only.\n\nNerdWallet™ \\| 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 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you’ve reached your [401(k) annual contribution limit](https:\/\/www.nerdwallet.com\/retirement\/learn\/401k-contribution-limits), you’re probably a super saver. The good news is, if you have additional dollars at your disposal, you may be able to add them to your 401(k) account using after-tax contributions.\n\nWhat is an after-tax 401(k)?\n\nAn after-tax 401(k) contribution refers to after-tax dollars going toward a 401(k) account. Because you've already paid taxes on these funds, your taxable income isn't lowered for the year. A major appeal of the after-tax contribution is that you aren't limited to the annual 401(k) limit and that the contributions can be withdrawn tax-free, similar to a [Roth IRA](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira) or a [Roth 401(k)](https:\/\/www.nerdwallet.com\/retirement\/learn\/roth-401k).\n\nThe catch is that not all 401(k) plans allow after-tax contributions.\n\nHow after-tax 401(k) contributions work\n\nSay you have a traditional 401(k) plan at work, and you make contributions through payroll.\n\nThe contribution limit is \\$24,500 in 2026. People aged 50 and older can contribute an extra \\$8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of \\$11,250.\n\nYour employer might also match a percentage of your contribution.\n\nIf your contributions and your employer match don't add up to the combined annual limit of \\$70,000 in 2025, or your total limit with catch-up dollars factored in (either \\$77,500 or \\$81,250, depending on your age), you may be able to keep adding post-tax money to your 401(k) until you get to that amount.\n\nTo illustrate after-tax contributions, here's an example: Rachel is 45 years old, earns \\$100,000 and has a 401(k) account at work. She contributes \\$23,500 in 2025, the maximum for that year. Her employer offers a 100% employee match, up to 6% of her annual salary, which comes up to \\$6,000. This means Rachel now has \\$29,500 in her 401(k). Because the overall annual 401(k) limit for her age is \\$70,000, and because her employer’s 401(k) plan allows for after-tax contributions, she can put an additional \\$40,500 in after-tax dollars into her 401(k).\n\nNot every employer provides an after-tax 401(k) contribution option, so check to see if it’s something you have access to.\n\nStrategies for after-tax 401(k) contributions\n\nYou can increase your 401(k) savings by adding after-tax contributions, but there is a caveat: While contributions can come out in retirement tax-free, any earnings you make on those contributions are taxable. To minimize your taxes, you might consider rolling your after-tax contributions into a Roth IRA and the earnings into a traditional IRA (more on this below).\n\nPut contributions into a Roth\n\nYou may be able to put your after-tax contributions into a designated Roth account to ensure tax-free withdrawals during retirement. That is, as long as you wait until age 59 ½ to withdraw, and you make your first contribution at least five years before then.\n\nThere are two ways you can roll after-tax contribution dollars into a Roth account:\n\n- In-plan conversion: If your job offers an in-plan conversion, you can convert all or some of your 401(k) into a Roth account within your plan. You have to pay taxes on any earnings, and any amount you haven't paid taxes on before. But, like with a Roth IRA, your withdrawals in the future would be tax-free. Some plans have an auto-convert feature that automatically converts your after-tax contributions into a designated Roth.\n\n- In-service withdrawal: If your employer offers in-service distributions or withdrawals, you can do a [mega backdoor Roth](https:\/\/www.nerdwallet.com\/retirement\/learn\/mega-backdoor-roths-work). This is when you roll after-tax contributions into a Roth IRA outside of your retirement plan.\n\nIf your employer doesn’t offer in-plan conversions or in-service distributions on your 401(k) plan, you might consider asking what your options are for withdrawing money and putting it into an IRA. Make sure to ask about the rules associated with withdrawing money from your 401(k) and any potential penalties.\n\nSplit between a traditional and Roth IRA to defer taxes\n\nIf you want to defer paying taxes on your after-tax contribution earnings, you can put the after-tax dollars into a Roth IRA because you’ve already paid taxes on it, and put your earnings into a traditional IRA. If you choose to split your contributions this way, you pay taxes on the earnings whenever you withdraw the money from your traditional IRA.\n\nLet's say you made a \\$30,000 after-tax contribution to your 401(k). At the end of the year, when you check your account, you realize you made \\$1,000 in earnings. You could either roll the total sum, \\$31,000, into a Roth IRA and pay taxes on the \\$1,000 you earned, or you could put \\$30,000 in a Roth IRA and \\$1,000 into a traditional IRA. If you choose the latter, you don’t have to pay taxes until you withdraw from your traditional IRA during retirement.\n\nAD\n\nHow does your\n\nnet worth stack up?\n\nSee where you stand compared to households like yours, and get steps you could take to grow from here.\n\n![Head, Person, Face](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2025\/12\/image-14.jpg)\n\n[Run the numbers](https:\/\/nerdwalletwealthpartners.com\/lp\/networthcalculator?utm_medium=nw_wealth_partners_cta&utm_source=nerdwallet&utm_campaign=nwwp_mtkg__networthad_internal_032526&utm_term=%2Fretirement%2Flearn%2Fafter-tax-401k-contributions)\n\nNWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only.\n\nBenefits of after-tax contributions\n\nVanguard’s report states that 10% of those surveyed who had access to after-tax 401(k) contributions made them, and they tended to have higher incomes. P\n\nIf you are a high earner, another reason to consider after-tax 401(k) contributions is that, unlike the Roth IRA, there are no income restrictions on making after-tax 401(k) contributions.\n\nYou can also withdraw your after-tax contributions without penalty or taxes. Your earnings on those contributions grow tax-deferred, but if you take those out, you do have to pay taxes. If you’re younger than 59 ½, you may also have to pay a 10% penalty when you withdraw.\n\nAre after-tax 401(k) contributions right for me?\n\n- If you’re a high earner and have maxed out your pre-tax 401(k) contributions, putting after-tax dollars into a 401(k) might be a good option for you to boost your retirement savings.\n- If you want investments to grow tax-deferred for retirement and would rather not open a brokerage account, this could fit your needs. Why might 401(k) after-tax contributions be better? “It tends to be a little more tax-efficient to save within the after-tax 401(k) because you’re getting the tax-free compounding and then the tax-free withdrawals in retirement, whereas if you have a taxable brokerage account, at a minimum, you’re paying some capital gains taxes when you sell appreciated securities,” says Benz.\n- If you decide not to do a rollover because your employer doesn’t offer in-plan conversions or in-service distributions, think carefully about whether after-tax contributions are right for you. If you leave your after-tax contributions to grow tax-deferred in your 401(k), you’ll have to pay taxes on any earnings once you withdraw them.","meta_canonical":null}

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URL	https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions
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Meta Title	After-Tax 401(k) Contributions - NerdWallet
Meta Description	After-tax 401(k) contributions are deposits of after-tax dollars into 401(k) accounts. These contributions aren't tax-deductible by may be withdrawn tax-free.
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Boilerpipe Text	If you’ve reached your 401(k) annual contribution limit , you’re probably a super saver. The good news is, if you have additional dollars at your disposal, you may be able to add them to your 401(k) account using after-tax contributions. What is an after-tax 401(k)? An after-tax 401(k) contribution refers to after-tax dollars going toward a 401(k) account. Because you've already paid taxes on these funds, your taxable income isn't lowered for the year. A major appeal of the after-tax contribution is that you aren't limited to the annual 401(k) limit and that the contributions can be withdrawn tax-free, similar to a Roth IRA or a Roth 401(k) . The catch is that not all 401(k) plans allow after-tax contributions. How after-tax 401(k) contributions work Say you have a traditional 401(k) plan at work, and you make contributions through payroll. The contribution limit is $24,500 in 2026. People aged 50 and older can contribute an extra $8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of $11,250. Your employer might also match a percentage of your contribution. If your contributions and your employer match don't add up to the combined annual limit of $70,000 in 2025, or your total limit with catch-up dollars factored in (either $77,500 or $81,250, depending on your age), you may be able to keep adding post-tax money to your 401(k) until you get to that amount . To illustrate after-tax contributions, here's an example: Rachel is 45 years old, earns $100,000 and has a 401(k) account at work. She contributes $23,500 in 2025, the maximum for that year. Her employer offers a 100% employee match, up to 6% of her annual salary, which comes up to $6,000. This means Rachel now has $29,500 in her 401(k). Because the overall annual 401(k) limit for her age is $70,000, and because her employer’s 401(k) plan allows for after-tax contributions, she can put an additional $40,500 in after-tax dollars into her 401(k). Not every employer provides an after-tax 401(k) contribution option, so check to see if it’s something you have access to. Strategies for after-tax 401(k) contributions You can increase your 401(k) savings by adding after-tax contributions, but there is a caveat: While contributions can come out in retirement tax-free, any earnings you make on those contributions are taxable . To minimize your taxes, you might consider rolling your after-tax contributions into a Roth IRA and the earnings into a traditional IRA (more on this below). Put contributions into a Roth You may be able to put your after-tax contributions into a designated Roth account to ensure tax-free withdrawals during retirement. That is, as long as you wait until age 59 ½ to withdraw, and you make your first contribution at least five years before then. There are two ways you can roll after-tax contribution dollars into a Roth account: In-plan conversion : If your job offers an in-plan conversion, you can convert all or some of your 401(k) into a Roth account within your plan. You have to pay taxes on any earnings, and any amount you haven't paid taxes on before. But, like with a Roth IRA, your withdrawals in the future would be tax-free. Some plans have an auto-convert feature that automatically converts your after-tax contributions into a designated Roth. In-service withdrawal : If your employer offers in-service distributions or withdrawals, you can do a mega backdoor Roth . This is when you roll after-tax contributions into a Roth IRA outside of your retirement plan. If your employer doesn’t offer in-plan conversions or in-service distributions on your 401(k) plan, you might consider asking what your options are for withdrawing money and putting it into an IRA. Make sure to ask about the rules associated with withdrawing money from your 401(k) and any potential penalties. Split between a traditional and Roth IRA to defer taxes If you want to defer paying taxes on your after-tax contribution earnings, you can put the after-tax dollars into a Roth IRA because you’ve already paid taxes on it, and put your earnings into a traditional IRA. If you choose to split your contributions this way, you pay taxes on the earnings whenever you withdraw the money from your traditional IRA. Let's say you made a $30,000 after-tax contribution to your 401(k). At the end of the year, when you check your account, you realize you made $1,000 in earnings. You could either roll the total sum, $31,000, into a Roth IRA and pay taxes on the $1,000 you earned, or you could put $30,000 in a Roth IRA and $1,000 into a traditional IRA. If you choose the latter, you don’t have to pay taxes until you withdraw from your traditional IRA during retirement. AD How does your net worth stack up? See where you stand compared to households like yours, and get steps you could take to grow from here. Run the numbers NWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only. Benefits of after-tax contributions Vanguard’s report states that 10% of those surveyed who had access to after-tax 401(k) contributions made them, and they tended to have higher incomes . P If you are a high earner, another reason to consider after-tax 401(k) contributions is that, unlike the Roth IRA, there are no income restrictions on making after-tax 401(k) contributions. You can also withdraw your after-tax contributions without penalty or taxes . Your earnings on those contributions grow tax-deferred, but if you take those out, you do have to pay taxes. If you’re younger than 59 ½, you may also have to pay a 10% penalty when you withdraw. Are after-tax 401(k) contributions right for me? If you’re a high earner and have maxed out your pre-tax 401(k) contributions, putting after-tax dollars into a 401(k) might be a good option for you to boost your retirement savings. If you want investments to grow tax-deferred for retirement and would rather not open a brokerage account, this could fit your needs. Why might 401(k) after-tax contributions be better? “It tends to be a little more tax-efficient to save within the after-tax 401(k) because you’re getting the tax-free compounding and then the tax-free withdrawals in retirement, whereas if you have a taxable brokerage account, at a minimum, you’re paying some capital gains taxes when you sell appreciated securities,” says Benz. If you decide not to do a rollover because your employer doesn’t offer in-plan conversions or in-service distributions, think carefully about whether after-tax contributions are right for you. If you leave your after-tax contributions to grow tax-deferred in your 401(k), you’ll have to pay taxes on any earnings once you withdraw them.
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[More on our editorial rigor](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) [![Elizabeth Ayoola](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/03/Elizabeth-Ayoola--e1680126048940-160x160.jpeg)](https://www.nerdwallet.com/author/elizabeth-ayoola) Written by Elizabeth Ayoola [![Elizabeth Ayoola](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/03/Elizabeth-Ayoola--e1680126048940-160x160.jpeg)](https://www.nerdwallet.com/author/elizabeth-ayoola) [Elizabeth Ayoola](https://www.nerdwallet.com/author/elizabeth-ayoola) Writer * 8 years of experience Expertise - Retirement - credit - wellness Elizabeth Ayoola is a Lead Multimedia Producer and Co-Host of the "Smart Money" podcast. Before delving into the podcast world, Elizabeth acquired over ten years of experience as a writer, and seven were spent covering personal finance topics. Her journey to finance writing started with a goal to learn as much as she could about how to attain financial freedom and share information with others about how to do it, too. This led her to Debt.com, where she covered topics relating to mortgages, debt and credit. Her articles have appeared on platforms like Washington Post, The Associated Press, The Washington Post, Yahoo, Essence, The Knot, PopSugar and Parents.com. Elizabeth has also done extensive spokesperson work and appeared on multiple renowned national networks like Good Morning America, ABC, NBC, and Fox to discuss money. Published in ![Entrepreneur](https://cdns3.nerdwallet.com/lending/publication-logos/Entrepreneur.webp)![Good Morning America](https://cdns3.nerdwallet.com/lending/publication-logos/GoodMorningAmerica.webp)![Nasdaq.com](https://cdns3.nerdwallet.com/lending/publication-logos/NASDAQ.webp)![The Associated Press](https://cdns3.nerdwallet.com/lending/publication-logos/TheAssociatedPress.webp) Writer \+ more [![Raquel Tennant](https://www.nerdwallet.com/tachyon/2022/07/Retouched_DSCF1381_-e1657711356598.jpg?resize=160%2C160)](https://www.nerdwallet.com/reviewer/raquel-tennant) Reviewed by Raquel Tennant [![Raquel Tennant](https://www.nerdwallet.com/tachyon/2022/07/Retouched_DSCF1381_-e1657711356598.jpg?resize=160%2C160)](https://www.nerdwallet.com/reviewer/raquel-tennant) [Raquel Tennant](https://www.nerdwallet.com/reviewer/raquel-tennant) Certified Financial Planner® * Expertise - financial planning - wealth management - high net worth - underserved communities - retirement planning Raquel Tennant, CFP®, is a financial guide at Fruitful, a financial wellness platform providing members with unlimited financial advice and access to financial planning to the masses at a low cost. Tennant began her career in the fee-only RIA firm space, serving ultra high-net worth clients and is now proud to align her passion for helping younger, diverse and underserved clients, who often feel neglected by traditional firms. A graduate of Towson University, Tennant is one of the first 12 inaugural graduates of Towson's CFP Board Registered Financial Planning major and the first of her class to pass the CFP exam. She proudly collaborates with her alma mater as a writer and guest speaker to students, faculty and staff, bringing awareness to both the financial planning major and the RIA financial planning industry. She has been featured on 2050 TrailBlazer’s podcast episode “The Power of Partnership”, CFP Board’s "Stay on Your Path" video, and Towson’s College of Business & Economics “Finding the Right Fit” news feature. Tennant is also a CFP Board professional mentor. * At NerdWallet, our content goes through a rigorous [editorial review process.](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) We have such confidence in our accurate and useful content that we let outside experts inspect our work. Certified Financial Planner® \+ more [![Pamela de la Fuente](https://www.nerdwallet.com/tachyon/2020/09/Screen-Shot-2020-09-01-at-2.07.15-PM.png?resize=160%2C160)](https://www.nerdwallet.com/author/pamela-de-la-fuente) Edited by Pamela de la Fuente [![Pamela de la Fuente](https://www.nerdwallet.com/tachyon/2020/09/Screen-Shot-2020-09-01-at-2.07.15-PM.png?resize=160%2C160)](https://www.nerdwallet.com/author/pamela-de-la-fuente) [Pamela de la Fuente](https://www.nerdwallet.com/author/pamela-de-la-fuente) Managing Editor * 23 years of experience Expertise - Personal Finance - Budgeting - Taxes - Retirement - Underrepresented communities Pamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage. Ask her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more. Previously, she led taxes and retirement coverage at NerdWallet. Pamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years. Pamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all. She is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group. Managing Editor \+ more [![June Sham](https://www.nerdwallet.com/tachyon/2023/04/336189831_5685987188176353_2746243523277238701_n-e1681950652588.jpg?resize=160%2C160)](https://www.nerdwallet.com/author/june-sham) Co-written by June Sham [![June Sham](https://www.nerdwallet.com/tachyon/2023/04/336189831_5685987188176353_2746243523277238701_n-e1681950652588.jpg?resize=160%2C160)](https://www.nerdwallet.com/author/june-sham) [June Sham](https://www.nerdwallet.com/author/june-sham) Lead Writer * 4 years of experience Expertise - Personal finance - retirement June Sham is a lead writer on NerdWallet’s investing and taxes team covering retirement and personal finance. She is a licensed insurance producer, and previously was an insurance writer for Bankrate specializing in home, auto and life insurance. She earned her Bachelor of Arts in creative writing at the University of California, Riverside. Lead Writer \+ more SOME CARD INFO MAY BE OUTDATED This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer. If you’ve reached your [401(k) annual contribution limit](https://www.nerdwallet.com/retirement/learn/401k-contribution-limits), you’re probably a super saver. The good news is, if you have additional dollars at your disposal, you may be able to add them to your 401(k) account using after-tax contributions. ## What is an after-tax 401(k)? An after-tax 401(k) contribution refers to after-tax dollars going toward a 401(k) account. Because you've already paid taxes on these funds, your taxable income isn't lowered for the year. A major appeal of the after-tax contribution is that you aren't limited to the annual 401(k) limit and that the contributions can be withdrawn tax-free, similar to a [Roth IRA](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira) or a [Roth 401(k)](https://www.nerdwallet.com/retirement/learn/roth-401k). The catch is that not all 401(k) plans allow after-tax contributions. ## How after-tax 401(k) contributions work Say you have a traditional 401(k) plan at work, and you make contributions through payroll. The contribution limit is \$24,500 in 2026. People aged 50 and older can contribute an extra \$8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of \$11,250. Your employer might also match a percentage of your contribution. If your contributions and your employer match don't add up to the combined annual limit of \$70,000 in 2025, or your total limit with catch-up dollars factored in (either \$77,500 or \$81,250, depending on your age), you may be able to keep adding post-tax money to your 401(k) until you get to that amount \[1\] IRS. [Retirement Topics - 401(k) and Profit-Sharing Plan Contribution Limits.](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-401k-and-profit-sharing-plan-contribution-limits) Accessed Nov 17, 2025. [View all sources](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#citation-list) . To illustrate after-tax contributions, here's an example: Rachel is 45 years old, earns \$100,000 and has a 401(k) account at work. She contributes \$23,500 in 2025, the maximum for that year. Her employer offers a 100% employee match, up to 6% of her annual salary, which comes up to \$6,000. This means Rachel now has \$29,500 in her 401(k). Because the overall annual 401(k) limit for her age is \$70,000, and because her employer’s 401(k) plan allows for after-tax contributions, she can put an additional \$40,500 in after-tax dollars into her 401(k). Not every employer provides an after-tax 401(k) contribution option, so check to see if it’s something you have access to. » MORE: [Calculate how long your retirement savings might last](https://www.nerdwallet.com/retirement/learn/how-long-will-your-retirement-savings-last) ## Strategies for after-tax 401(k) contributions You can increase your 401(k) savings by adding after-tax contributions, but there is a caveat: While contributions can come out in retirement tax-free, any earnings you make on those contributions are taxable \[2\] Internal Revenue Service. [Rollovers of After-Tax Contributions in Retirement Plans.](https://www.irs.gov/retirement-plans/rollovers-of-after-tax-contributions-in-retirement-plans) Accessed Nov 17, 2025. [View all sources](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#citation-list) . To minimize your taxes, you might consider rolling your after-tax contributions into a Roth IRA and the earnings into a traditional IRA (more on this below). ### Put contributions into a Roth You may be able to put your after-tax contributions into a designated Roth account to ensure tax-free withdrawals during retirement. That is, as long as you wait until age 59 ½ to withdraw, and you make your first contribution at least five years before then. There are two ways you can roll after-tax contribution dollars into a Roth account: - In-plan conversion: If your job offers an in-plan conversion, you can convert all or some of your 401(k) into a Roth account within your plan. You have to pay taxes on any earnings, and any amount you haven't paid taxes on before. But, like with a Roth IRA, your withdrawals in the future would be tax-free. Some plans have an auto-convert feature that automatically converts your after-tax contributions into a designated Roth. - In-service withdrawal: If your employer offers in-service distributions or withdrawals, you can do a [mega backdoor Roth](https://www.nerdwallet.com/retirement/learn/mega-backdoor-roths-work). This is when you roll after-tax contributions into a Roth IRA outside of your retirement plan. If your employer doesn’t offer in-plan conversions or in-service distributions on your 401(k) plan, you might consider asking what your options are for withdrawing money and putting it into an IRA. Make sure to ask about the rules associated with withdrawing money from your 401(k) and any potential penalties. » Learn more: [Taxes on 401(k) withdrawals and contributions](https://www.nerdwallet.com/taxes/learn/401k-taxes) ### Split between a traditional and Roth IRA to defer taxes If you want to defer paying taxes on your after-tax contribution earnings, you can put the after-tax dollars into a Roth IRA because you’ve already paid taxes on it, and put your earnings into a traditional IRA. If you choose to split your contributions this way, you pay taxes on the earnings whenever you withdraw the money from your traditional IRA. Let's say you made a \$30,000 after-tax contribution to your 401(k). At the end of the year, when you check your account, you realize you made \$1,000 in earnings. You could either roll the total sum, \$31,000, into a Roth IRA and pay taxes on the \$1,000 you earned, or you could put \$30,000 in a Roth IRA and \$1,000 into a traditional IRA. If you choose the latter, you don’t have to pay taxes until you withdraw from your traditional IRA during retirement. » MORE: [This quiz can help you see if it's time to get a financial advisor](https://www.nerdwallet.com/financial-advisors/learn/do-i-need-financial-advisor) AD How does your net worth stack up? See where you stand compared to households like yours, and get steps you could take to grow from here. ![Head, Person, Face](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2025/12/image-14.jpg) [Run the numbers](https://nerdwalletwealthpartners.com/lp/networthcalculator?utm_medium=nw_wealth_partners_cta&utm_source=nerdwallet&utm_campaign=nwwp_mtkg__networthad_internal_032526&utm_term=%2Fretirement%2Flearn%2Fafter-tax-401k-contributions) NWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only. ## Benefits of after-tax contributions Vanguard’s report states that 10% of those surveyed who had access to after-tax 401(k) contributions made them, and they tended to have higher incomes \[3\] Vanguard. [How America Saves 2025.](https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/2024/has/how_america_saves_report_2024.pdf) Accessed Apr 9, 2025. [View all sources](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#citation-list) . P If you are a high earner, another reason to consider after-tax 401(k) contributions is that, unlike the Roth IRA, there are no income restrictions on making after-tax 401(k) contributions. You can also withdraw your after-tax contributions without penalty or taxes \[4\] IRS.gov. [Roth account in your retirement plan.](https://www.irs.gov/retirement-plans/roth-acct-in-your-retirement-plan) Accessed Nov 17, 2025. [View all sources](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#citation-list) . Your earnings on those contributions grow tax-deferred, but if you take those out, you do have to pay taxes. If you’re younger than 59 ½, you may also have to pay a 10% penalty when you withdraw. » MORE: [How capital gains tax works and how to save](https://www.nerdwallet.com/taxes/learn/capital-gains-tax-rates) ## Are after-tax 401(k) contributions right for me? - If you’re a high earner and have maxed out your pre-tax 401(k) contributions, putting after-tax dollars into a 401(k) might be a good option for you to boost your retirement savings. - If you want investments to grow tax-deferred for retirement and would rather not open a brokerage account, this could fit your needs. Why might 401(k) after-tax contributions be better? “It tends to be a little more tax-efficient to save within the after-tax 401(k) because you’re getting the tax-free compounding and then the tax-free withdrawals in retirement, whereas if you have a taxable brokerage account, at a minimum, you’re paying some capital gains taxes when you sell appreciated securities,” says Benz. - If you decide not to do a rollover because your employer doesn’t offer in-plan conversions or in-service distributions, think carefully about whether after-tax contributions are right for you. If you leave your after-tax contributions to grow tax-deferred in your 401(k), you’ll have to pay taxes on any earnings once you withdraw them. » MORE: [How to find a financial advisor](https://www.nerdwallet.com/financial-advisors/learn/how-to-choose-a-financial-advisor) Article sources Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our [editorial guidelines.](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) - [1\.](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#citation-121803617) IRS. [Retirement Topics - 401(k) and Profit-Sharing Plan Contribution Limits.](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-401k-and-profit-sharing-plan-contribution-limits) Accessed Nov 17, 2025. - [2\.](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#citation-774987541) Internal Revenue Service. [Rollovers of After-Tax Contributions in Retirement Plans.](https://www.irs.gov/retirement-plans/rollovers-of-after-tax-contributions-in-retirement-plans) Accessed Nov 17, 2025. - [3\.](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#citation-2050153902) Vanguard. [How America Saves 2025.](https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/2024/has/how_america_saves_report_2024.pdf) Accessed Apr 9, 2025. - [4\.](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#citation-3379543889) IRS.gov. [Roth account in your retirement plan.](https://www.irs.gov/retirement-plans/roth-acct-in-your-retirement-plan) Accessed Nov 17, 2025. [Back to top]() About the authors [![Elizabeth Ayoola](https://www.nerdwallet.com/tachyon/2023/06/Elizabeth-Ayoola-.jpeg?resize=70%2C70)](https://www.nerdwallet.com/author/elizabeth-ayoola) [Elizabeth Ayoola](https://www.nerdwallet.com/author/elizabeth-ayoola) Elizabeth Ayoola is a Lead Multimedia Producer and Co-Host of the Smart Money Podcast. Her work has been featured in The Associated Press, The Washington Post, MSN, Debt.com, ESSENCE, The Knot, and POPSUGAR. [See full bio.](https://www.nerdwallet.com/author/elizabeth-ayoola) [![June Sham](https://www.nerdwallet.com/tachyon/2023/04/336189831_5685987188176353_2746243523277238701_n-e1681950652588.jpg?resize=70%2C70)](https://www.nerdwallet.com/author/june-sham) [June Sham](https://www.nerdwallet.com/author/june-sham) June Sham is a lead writer on NerdWallet's investing and taxes team covering retirement and personal finance. [See full bio.](https://www.nerdwallet.com/author/june-sham) On this page [Back to top ↑]() On this page ╳ - [What is an after-tax 401(k)?](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#what-is-an-aftertax-401k) - [How after-tax 401(k) contributions work](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#how-aftertax-401k-contributions-work) - [Strategies for after-tax 401(k) contributions](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#strategies-for-aftertax-401k-contributions) Strategies for after-tax 401(k) contributions - [Put contributions into a Roth](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#put-contributions-into-a-roth) - [Split between a traditional and Roth IRA to defer taxes](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#split-between-a-traditional-and-roth-ira-to-defer-taxes) - [Benefits of after-tax contributions](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#benefits-of-aftertax-contributions) - [Are after-tax 401(k) contributions right for me?](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions#are-aftertax-401k-contributions-right-for-me) More like this [Investment Basics](https://www.nerdwallet.com/investing/learn)[Investing](https://www.nerdwallet.com/investing) Related articles [![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2018/04/GettyImages-1163568487-600x360.jpg) How Much Does a Financial Advisor Cost? ![Andrea Coombes's profile picture](https://www.nerdwallet.com/tachyon/2019/08/acoombes-user-avatar.jpg?resize=70%2C70) 2 By Andrea Coombes, Taryn Phaneuf](https://www.nerdwallet.com/financial-advisors/learn/how-much-does-a-financial-advisor-cost) [![Person thinking](https://www.nerdwallet.com/tachyon/2025/08/GettyImages-1180357593.jpg?resize=600%2C360) Do You Need a Financial Advisor? 7 Ways to Tell ![Taryn 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policy](https://www.nerdwallet.com/p/nerdwallet-california-privacy-policy)[Privacy preferences](https://www.nerdwallet.com/p/privacy-policy)[Do not sell or share my personal information](https://privacyportal.onetrust.com/webform/694a76f6-1f82-455e-b46e-ffeed902c3fa/db85134f-a11a-451c-a462-3f2f39a662bc) Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. NerdWallet Compare, Inc. NMLS ID\# 1617539[NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1617539) \\|[Licenses and Disclosures](https://www.nerdwallet.com/p/nerdwallet-compare-inc-licenses-and-disclosures) California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License \#60DBO-74812 Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) [Insurance Licenses](https://www.nerdwallet.com/nerdwallet-insurance-services-inc-licenses-and-disclosures) Fundera, Inc. NMLS ID\# 1240038[NMLS Consumer Access](https://nmlsconsumeraccess.org/) California: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License \#603L288 NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open investment advisory accounts (Automated Investing Account and/or Treasury Account) with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC ("Atomic Brokerage"), member of [FINRA](https://www.finra.org/#/)/[SIPC](https://www.sipc.org/) and an affiliate of Atomic, which creates a conflict of interest. See details about Atomic, in their [Form CRS](https://reports.adviserinfo.sec.gov/crs/crs_313255.pdf), [Form ADV Part 2A](https://adviserinfo.sec.gov/firm/brochure/313255) and [Privacy Policy](https://legal.atomicvest.com/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf). See details about Atomic Brokerage in their [Form CRS](https://files.brokercheck.finra.org/crs_315263.pdf), [General Disclosures](https://legal.atomicvest.com/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf), [fee schedule](https://legal.atomicvest.com/usa.broker.schedule.7ea28665-88a9-4542-a748-987e90ea46b6.pdf), and FINRA’s [BrokerCheck](https://brokercheck.finra.org/). You also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program. [View Important Cash Account Disclosures.](https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af) Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Images are for illustrative purposes only. NerdWallet™ \\| 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251 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Readable Markdown	If you’ve reached your [401(k) annual contribution limit](https://www.nerdwallet.com/retirement/learn/401k-contribution-limits), you’re probably a super saver. The good news is, if you have additional dollars at your disposal, you may be able to add them to your 401(k) account using after-tax contributions. What is an after-tax 401(k)? An after-tax 401(k) contribution refers to after-tax dollars going toward a 401(k) account. Because you've already paid taxes on these funds, your taxable income isn't lowered for the year. A major appeal of the after-tax contribution is that you aren't limited to the annual 401(k) limit and that the contributions can be withdrawn tax-free, similar to a [Roth IRA](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira) or a [Roth 401(k)](https://www.nerdwallet.com/retirement/learn/roth-401k). The catch is that not all 401(k) plans allow after-tax contributions. How after-tax 401(k) contributions work Say you have a traditional 401(k) plan at work, and you make contributions through payroll. The contribution limit is \$24,500 in 2026. People aged 50 and older can contribute an extra \$8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of \$11,250. Your employer might also match a percentage of your contribution. If your contributions and your employer match don't add up to the combined annual limit of \$70,000 in 2025, or your total limit with catch-up dollars factored in (either \$77,500 or \$81,250, depending on your age), you may be able to keep adding post-tax money to your 401(k) until you get to that amount. To illustrate after-tax contributions, here's an example: Rachel is 45 years old, earns \$100,000 and has a 401(k) account at work. She contributes \$23,500 in 2025, the maximum for that year. Her employer offers a 100% employee match, up to 6% of her annual salary, which comes up to \$6,000. This means Rachel now has \$29,500 in her 401(k). Because the overall annual 401(k) limit for her age is \$70,000, and because her employer’s 401(k) plan allows for after-tax contributions, she can put an additional \$40,500 in after-tax dollars into her 401(k). Not every employer provides an after-tax 401(k) contribution option, so check to see if it’s something you have access to. Strategies for after-tax 401(k) contributions You can increase your 401(k) savings by adding after-tax contributions, but there is a caveat: While contributions can come out in retirement tax-free, any earnings you make on those contributions are taxable. To minimize your taxes, you might consider rolling your after-tax contributions into a Roth IRA and the earnings into a traditional IRA (more on this below). Put contributions into a Roth You may be able to put your after-tax contributions into a designated Roth account to ensure tax-free withdrawals during retirement. That is, as long as you wait until age 59 ½ to withdraw, and you make your first contribution at least five years before then. There are two ways you can roll after-tax contribution dollars into a Roth account: - In-plan conversion: If your job offers an in-plan conversion, you can convert all or some of your 401(k) into a Roth account within your plan. You have to pay taxes on any earnings, and any amount you haven't paid taxes on before. But, like with a Roth IRA, your withdrawals in the future would be tax-free. Some plans have an auto-convert feature that automatically converts your after-tax contributions into a designated Roth. - In-service withdrawal: If your employer offers in-service distributions or withdrawals, you can do a [mega backdoor Roth](https://www.nerdwallet.com/retirement/learn/mega-backdoor-roths-work). This is when you roll after-tax contributions into a Roth IRA outside of your retirement plan. If your employer doesn’t offer in-plan conversions or in-service distributions on your 401(k) plan, you might consider asking what your options are for withdrawing money and putting it into an IRA. Make sure to ask about the rules associated with withdrawing money from your 401(k) and any potential penalties. Split between a traditional and Roth IRA to defer taxes If you want to defer paying taxes on your after-tax contribution earnings, you can put the after-tax dollars into a Roth IRA because you’ve already paid taxes on it, and put your earnings into a traditional IRA. If you choose to split your contributions this way, you pay taxes on the earnings whenever you withdraw the money from your traditional IRA. Let's say you made a \$30,000 after-tax contribution to your 401(k). At the end of the year, when you check your account, you realize you made \$1,000 in earnings. You could either roll the total sum, \$31,000, into a Roth IRA and pay taxes on the \$1,000 you earned, or you could put \$30,000 in a Roth IRA and \$1,000 into a traditional IRA. If you choose the latter, you don’t have to pay taxes until you withdraw from your traditional IRA during retirement. AD How does your net worth stack up? See where you stand compared to households like yours, and get steps you could take to grow from here. ![Head, Person, Face](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2025/12/image-14.jpg) [Run the numbers](https://nerdwalletwealthpartners.com/lp/networthcalculator?utm_medium=nw_wealth_partners_cta&utm_source=nerdwallet&utm_campaign=nwwp_mtkg__networthad_internal_032526&utm_term=%2Fretirement%2Flearn%2Fafter-tax-401k-contributions) NWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only. Benefits of after-tax contributions Vanguard’s report states that 10% of those surveyed who had access to after-tax 401(k) contributions made them, and they tended to have higher incomes. P If you are a high earner, another reason to consider after-tax 401(k) contributions is that, unlike the Roth IRA, there are no income restrictions on making after-tax 401(k) contributions. You can also withdraw your after-tax contributions without penalty or taxes. Your earnings on those contributions grow tax-deferred, but if you take those out, you do have to pay taxes. If you’re younger than 59 ½, you may also have to pay a 10% penalty when you withdraw. Are after-tax 401(k) contributions right for me? - If you’re a high earner and have maxed out your pre-tax 401(k) contributions, putting after-tax dollars into a 401(k) might be a good option for you to boost your retirement savings. - If you want investments to grow tax-deferred for retirement and would rather not open a brokerage account, this could fit your needs. Why might 401(k) after-tax contributions be better? “It tends to be a little more tax-efficient to save within the after-tax 401(k) because you’re getting the tax-free compounding and then the tax-free withdrawals in retirement, whereas if you have a taxable brokerage account, at a minimum, you’re paying some capital gains taxes when you sell appreciated securities,” says Benz. - If you decide not to do a rollover because your employer doesn’t offer in-plan conversions or in-service distributions, think carefully about whether after-tax contributions are right for you. If you leave your after-tax contributions to grow tax-deferred in your 401(k), you’ll have to pay taxes on any earnings once you withdraw them.
Shard	34 (laksa)
Root Hash	10009614238684002234
Unparsed URL	com,nerdwallet!www,/retirement/learn/after-tax-401k-contributions s443