after tax income roth 401k contribution limits
On a pretax basis, employees can't contribute above certain limits. In 2015, for instance, the limit is $18,000; those 50 and older can make additional catch-up contributions of $6,000. This money is not counted toward income, and all gains are tax-deferred.The limits are the same for Roth 401(k)s, though the contributions do count toward income and all gains are tax-free.But employees can sock away a lot more retirement cash if their company plan offers an after-tax option in a traditional 401(k). People who made after-tax contributions to their traditional 401(k) plans throughout the 1980s and 1990s, before the advent of the Roth IRA and Roth 401(k). 2  People who want to build up a Roth IRA with the goal of passing it on to heirs.