Are contributions to a Roth 401(k) taken directly from your paycheck after taxes or on your own?

Answer 1

If your 401k plan at work offers the Roth 401k option... It's taken out of your paycheck like your regular 401k contribtion. But its after tax on the Roth option.

Answer 2

First, tjcald11 misread the question, which was about Roth 401(k)'s. The answer from tjcald11 was about Roth IRA's, not Roth 401(k)'s.

Second, a 401(k), whether Roth or otherwise, is taken from your paycheck.

Third, a Roth account, whether IRA or 401(K), is after tax. (A regular 401(k) is pre-tax.)

Answer 3

To the extent you are allowed to make designated contributions to a Roth 401K, they will be after taxes and applied by your employer. If you contribute to a Roth 401K and do not designate them to the Roth account, the contribution can be made as a deferral to the 401K account and would be before tax. See your plan administrator for details and options.

Answer 4

They come out of your pay after taxes. The accumumlations are tax free as are the distributions after age 59 1/2.

Answer 5

if you are allowed to designate a roth ira contribution at work, it will be after taxes , however,contributions to roth ira accounts are usually made outside of your employment.