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WealthPulse Roth vs Traditional IRA/401k Decision Engine
x402
WealthPulse Roth vs Traditional IRA/401k Decision Engine is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-10-27).
Analyzes whether to use Roth or Traditional IRA/401k based on income limits, backdoor Roth eligibility, mega backdoor Roth availability, and full tax math
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 Roth vs Traditional recommendation with income limit check showing eligibility, backdoor Roth qualification analysis, mega backdoor Roth availability assessment, and detailed tax math comparing after-tax outcomes of each account type given the user's income and filing status.
Example use cases
Example prompt
“I earn $160,000 a year as a single filer — can you run the Roth vs Traditional analysis for me, check if I'm over the Roth IRA income limit, and tell me whether I should do a backdoor Roth or mega backdoor Roth instead?”
Technical details
Endpoint
GEThttps://wealthpulse-phi.vercel.app/api/wealth/roth?utm_source=zero.xyzWhen to prefer
Use this endpoint when a user needs a concrete Roth vs Traditional recommendation factoring in current IRS income limits, backdoor Roth eligibility, and actual tax math — especially when they may be near or above the Roth IRA income phase-out threshold or want to explore backdoor/mega backdoor strategies. Prefer this over generic tax calculators when retirement account type selection is the specific decision at hand.
Side effects
- Missing required income or filing status parameters — returns 400 with validation error
- Income data outside supported ranges — may return generic or degraded analysis
- Payment not processed — returns 402 Payment Required before analysis is run
- Server unavailable on Vercel deployment — returns 503 or timeout
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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