How much does Meta match?
Meta matches your 401(k) contributions up to half the IRS limit. For 2026 that’s $12,250 if you contribute the full $24,500, and the match is yours immediately.
Catch-up contributions are matched too, which is unusual. Either way, I’d contribute enough to get the full match before doing anything else on this page.
The mega backdoor Roth at Meta
Meta’s 401(k) supports the mega backdoor Roth. You can make after-tax contributions beyond the regular limit, and Fidelity will convert them to Roth automatically.
For 2026, there’s room for up to $35,250 of after-tax contributions if you’re under 50 and you contribute the full $24,500 with the full match. You have to turn on both parts yourself. Meta doesn’t start after-tax contributions for you, since its automatic enrollment only covers regular contributions, and the Roth conversion is a separate setting. With the automatic conversion on, each contribution is converted within a day or so, which keeps the taxable earnings close to zero.
After-tax contributions don’t get a match, so make sure your regular contributions are enough to get the full match first. How the mega backdoor Roth works covers the limits, catch-up contributions, and how it differs from a Roth 401(k) or a backdoor Roth IRA.
How to set it up
It helps to have your NetBenefits account and a recent paystub open at the same time, so you can follow the money from your paycheck into the plan.
Decide how much you can afford to contribute
Make sure you’ll still have enough take-home pay for your expenses, your emergency fund, and anything big you’re saving for. Then set a target for the year.
Elect after-tax contributions
It’s a separate setting from your regular pre-tax or Roth contribution. Meta doesn’t turn it on for you, so choose a rate in NetBenefits.
Turn on the automatic Roth conversion
You can do this in NetBenefits or by calling Fidelity. Once it’s on, each after-tax contribution is converted to Roth within a day or so.
Check that the first conversion went through
After your next paycheck, look at your transaction history for both the after-tax contribution and the Roth conversion. If you see the contribution but no conversion, something isn’t set up right. Keep the confirmations for your tax preparer.
Meta’s 401(k) at a glance
A few details about the plan that are useful to know.
| Feature | Details |
|---|---|
| Plan | The Meta Platforms, Inc 401(k) Plan started in 2006 and was called the Facebook plan until 2020. Fidelity is the trustee and keeps the records, and you manage your account in NetBenefits. |
| Automatic enrollment | You’re enrolled at 10% of your pay and bonus unless you choose otherwise, and the rate goes up 1% a year if you don’t change it. |
| Default investment | If you don’t choose investments, your money goes into a Vanguard target-date fund based on your age. You can also invest outside the core menu through Fidelity BrokerageLink. The plan doesn’t offer a Meta stock fund. |
| Loans | You can borrow from $1,000 up to the lesser of $50,000 or half your balance, repaid within five years, or longer for a primary home. At the end of 2025, loan rates ranged from 4.25% to 9.50%. |
| When you leave | You can leave your money in the plan, take installments, or take it all out. Balances of $1,000 or less are paid out automatically. |
- Details
- The Meta Platforms, Inc 401(k) Plan started in 2006 and was called the Facebook plan until 2020. Fidelity is the trustee and keeps the records, and you manage your account in NetBenefits.
- Details
- You’re enrolled at 10% of your pay and bonus unless you choose otherwise, and the rate goes up 1% a year if you don’t change it.
- Details
- If you don’t choose investments, your money goes into a Vanguard target-date fund based on your age. You can also invest outside the core menu through Fidelity BrokerageLink. The plan doesn’t offer a Meta stock fund.
- Details
- You can borrow from $1,000 up to the lesser of $50,000 or half your balance, repaid within five years, or longer for a primary home. At the end of 2025, loan rates ranged from 4.25% to 9.50%.
- Details
- You can leave your money in the plan, take installments, or take it all out. Balances of $1,000 or less are paid out automatically.
At the end of 2025, the plan had $22.4 billion in assets and 91,967 accounts. Employees contributed $2.03 billion that year and Meta contributed $779 million.
Beyond the 401(k). Meta’s other benefits include medical, dental, and vision insurance, life insurance and survivor support, financial coaching and tax education, legal support, paid parental leave, and a 30-day paid break every five years. It’s worth reviewing these alongside your partner’s benefits during open enrollment or when either of you changes jobs.
