Author Topic: After Tax 401k + Roth IRA Contributions  (Read 568 times)

BrandNewPapa

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After Tax 401k + Roth IRA Contributions
« on: January 03, 2019, 06:16:12 AM »
2018 was my first full year working for my current employer, so it was my first year maxing out their 401k plan.

I got a decent raise midway through the year and didn't think to adjust my 401k contribution percentage.

Looking at my last two paychecks, instead of stopping my contributions when I hit the 18.5k (all previous employers did this), my company still deducted the same amount, but made it an after tax contribution to my 401k.

This is all fine and good, but I have already maxed out my Roth IRA for the year. Are there limits placed on 401k after-tax contributions if you are also maxing out a Roth IRA?

I wasn't able to find any answers from google or searching the forum. I just get results about rolling after tax contributions into a Roth later.

TIA

FIPurpose

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Re: After Tax 401k + Roth IRA Contributions
« Reply #1 on: January 03, 2019, 07:41:54 AM »
As far as I know, no. aftertax contributions are liable to the 53k limit.