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Loophole

Solo 401(k) Mega Backdoor Roth

Contribute up to $69K/yr as a solopreneur, convert after-tax to Roth.

Overview

As a solo business owner, use a Solo 401(k) that allows after-tax contributions and in-plan Roth conversions. Contribute $23K employee + up to $46K after-tax (2024 limits), immediately convert the after-tax portion to Roth — creating $46K/yr of new Roth space beyond normal limits.

Best fit
Solo business ownersHigh earners1099 contractors
Estimated impact
$46K/yr additional Roth space — decades of tax-free growth

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