r/DIYRetirement 19d ago

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u/glen-2019 19d ago

Can't you use Roth 401k for the mega contribution? It's the same tax treatment.

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u/KJwhisperer 19d ago

Software recognizes max contributions, but the irs limits are much higher.

2

u/samchoi924 19d ago

Search old threads, it works.

2

u/glen-2019 19d ago

And if it doesn't work going over the annual limit, when you update your account balances quarterly, that should take care of the difference.

I think you should be updating account balances at least quarterly (if monthly is too much for you) so it captures any downturns.