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Roth vs Traditional IRA/401(k) Decision Calculator
x402
Roth vs Traditional IRA/401(k) Decision Calculator is a paid API for AI agents from wealthpulse.theaslangroupllc.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-13).
Determines whether a user should contribute to a Roth or Traditional IRA/401(k), including income-limit eligibility, backdoor/mega-backdoor Roth options, and contribution tax math by income, age, and filing status.
Price / call$0.1
Success—
StatusUnknown
How this service works
Should I contribute to a Roth or Traditional IRA/401(k)? Decision calculator with an income-limit eligibility check, backdoor and mega-backdoor Roth eligibility, and the contribution tax math, by income, age, and filing status. For wealth and retirement agents.
Output
Returns a recommendation on whether the user should use Roth or Traditional contributions, their income-limit eligibility status, whether they qualify for backdoor or mega-backdoor Roth strategies, applicable contribution limits (including catch-up if age 50+), and a breakdown of the tax math comparing the two approaches given their income and filing status.
Example use cases
Optimizing retirement contributions for high earners
“I just got a promotion and my income jumped to $280,000 as a single filer — I want to maximize my retirement savings this year but I'm worried I might be over the Roth limit now, so should I go Traditional 401k instead, or is backdoor Roth still an option for me?”
Planning mega-backdoor Roth strategy
“My employer's 401k plan allows mega-backdoor conversions and I've got some extra cash to invest this year — I'm 52 and make about $320,000 married filing jointly, so what's my best move to get money into a Roth, and how much can I actually contribute when you include the mega-backdoor option?”
Catch-up contributions for near-retirement years
“I'm turning 50 next month, my spouse and I file jointly with a combined income of $195,000, and we want to catch up on retirement savings before we retire in ten years — should we be maxing out Roth or Traditional, and how much extra can we put in now that we're eligible for catch-up contributions?”
Technical details
Endpoint
GEThttps://wealthpulse.theaslangroupllc.com/api/wealth/rothWhen to prefer
Choose this endpoint when a user needs a definitive Roth vs Traditional recommendation tailored to their specific income, age, and filing status, especially when backdoor or mega-backdoor Roth eligibility needs to be checked. Prefer this over generic tax calculators when retirement account strategy and contribution-limit math are the primary need.
Side effects
- Missing required income parameter — returns 400 with validation error
- Invalid or unsupported filing status value — returns 400
- Age outside valid range — returns 400 with explanation
- Ambiguous contribution type (IRA vs 401k not specified) — may return generic result or prompt clarification
- Payment not processed — returns 402 Payment Required
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"tax_math": {
"which_wins": "Roth wins if your retirement tax rate is equal to or higher than today's",
"contribute_roth_scenario": "No deduction now, fully tax-free in retirement",
"contribute_traditional_scenario": "Deduct now at 22%, taxed on withdrawal in retirement"
},
"disclaimer": "For informational purposes only. Not tax or financial advice. Consult a tax professional before executing backdoor Roth conversions if you have existing Traditional IRA balances.",
"amazon_link": "https://www.amazon.com/s?k=Roth+IRA+conversion+strategy&tag=pulsenetwork7-20",
"amazon_search": "Roth IRA conversion strategy",
"backdoor_roth": {
"eligible": false,
"how_it_works": "Not needed — direct Roth IRA contributions are still allowed at this income",
"pro_rata_warning": "Applies only if you later contribute non-deductible and hold existing Traditional IRA balances"
},
"ira_platforms": [
{
"url": "https://www.fidelity.com/retirement-ira/roth-ira",
"best_for": "Best overall Roth IRA — lowest costs, best fund selection",
"platform": "Fidelity Roth IRA",
"description": "Most popular Roth IRA platform — zero expense ratio index funds, no minimums"
}
],
"income_summary": {
"filing_status": "single",
"phase_out_note": "2026 Roth IRA phase-out starts at $150,000 (single)",
"provided_income": "$95,000",
"estimated_marginal_rate": "22% federal",
"roth_direct_eligibility": "eligible"
},
"recommendation": "roth",
"rmd_consideration": "Roth IRAs have no RMDs during your lifetime, unlike Traditional IRAs (RMDs start at 73)",
"contribution_limits_2026": {
"ira": "$7,000 ($8,000 if 50+)",
"401k_employee": "$23,500 ($31,000 if 50+)",
"employer_match_note": "Always capture the full employer match first regardless of Roth vs Traditional",
"total_401k_with_employer": "$70,000 combined limit for mega backdoor"
},
"recommendation_reasoning": "Current 22% bracket is likely below your retirement-year rate, so paying tax now favors Roth"
}
}Tags
x402
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