Should I contribute to a Roth or Traditional IRA/401(k)? Decision calculator with an incom
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.
100000 (raw units)
price
1
calls / 30d
1
unique payers
2026-08-20
updated
Provider
wealthpulse.theaslangroupllc.com · discovered, not yet claimed by its owner
Payment (x402 accepts[])
[
{
"scheme": "exact",
"network": "eip155:8453",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:8453",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"amount": "100000",
"maxTimeoutSeconds": 604900
},
{
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"payTo": "985iFjbnGQ3dJcwXnfRCMSrH4Jnc3kW1N6msR64B5KX1",
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:4663",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x5fc5360D0400a0Fd4f2af552ADD042D716F1d168",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:137",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:42161",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:480",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x79A02482A880bCe3F13E09da970dC34dB4cD24D1",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:143",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x754704Bc059F8C67012fEd69BC8A327a5aafb603",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:196",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x779ded0c9e1022225f8e0630b35a9b54be713736",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:999",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0xb88339CB7199b77E23DB6E890353E22632Ba630f",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "algorand:wGHE2Pwdvd7S12BL5FaOP20EGYesN73k",
"payTo": "62A253YPATFNJCPRKID3FKD77MYJFNTVRYRP4B4JWG36EGLPY7UXFWGI7I",
"asset": "31566704",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "xrpl:0",
"payTo": "rMnHeutYALco8RYFVcmuU4BCgSzBpPEh32",
"asset": "XRP",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "xrpl:0",
"payTo": "rMnHeutYALco8RYFVcmuU4BCgSzBpPEh32",
"asset": "524C555344000000000000000000000000000000",
"amount": "0.1",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:56",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d",
"amount": "100000000000000000",
"maxTimeoutSeconds": 300
}
]Output schema
{
"bazaar": {
"info": {
"input": {
"method": "GET",
"queryParams": {
"age": "35",
"filing_status": "single"
},
"type": "http"
},
"output": {
"example": {
"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"
},
"contribution_limits_2026": {
"401k_employee": "$23,500 ($31,000 if 50+)",
"employer_match_note": "Always capture the full employer match first regardless of Roth vs Traditional",
"ira": "$7,000 ($8,000 if 50+)",
"total_401k_with_employer": "$70,000 combined limit for mega backdoor"
},
"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.",
"income_summary": {
"estimated_marginal_rate": "22% federal",
"filing_status": "single",
"phase_out_note": "2026 Roth IRA phase-out starts at $150,000 (single)",
"provided_income": "$95,000",
"roth_direct_eligibility": "eligible"
},
"ira_platforms": [
{
"best_for": "Best overall Roth IRA — lowest costs, best fund selection",
"description": "Most popular Roth IRA platform — zero expense ratio index funds, no minimums",
"platform": "Fidelity Roth IRA",
"url": "https://www.fidelity.com/retirement-ira/roth-ira"
}
],
"recommendation": "roth",
"recommendation_reasoning": "Current 22% bracket is likely below your retirement-year rate, so paying tax now favors Roth",
"rmd_consideration": "Roth IRAs have no RMDs during your lifetime, unlike Traditional IRAs (RMDs start at 73)",
"tax_math": {
"contribute_roth_scenario": "No deduction now, fully tax-free in retirement",
"contribute_traditional_scenario": "Deduct now at 22%, taxed on withdrawal in retirement",
"which_wins": "Roth wins if your retirement tax rate is equal to or higher than today's"
}
},
"type": "json"
}
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"method": {
"enum": [
"GET",
"HEAD",
"DELETE"
],
"type": "string"
},
"queryParams": {
"properties": {
"age": {
"description": "required",
"type": "string"
},
"employer_match": {
"description": "yes (whether your employer offers a 401k match; also accepts a percentage like 4)",
"type": "string"
},
"filing_status": {
"description": "single | married_filing_jointly (default: single)",
"type": "string"
},
"income": {
"description": "95000 (annual gross USD, required)",
"type": "string"
},
"lang": {
"description": "en | es | fr | de | pt",
"type": "string"
},
"state": {
"description": "TX | CA | NY | FL (optional, for state tax context)",
"type": "string"
}
},
"type": "object"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method"
],
"type": "object"
},
"output": {
"properties": {
"example": {
"type": "object"
},
"type": {
"type": "string"
}
},
"required": [
"type"
],
"type": "object"
}
},
"required": [
"input"
],
"type": "object"
}
},
"builder-code": {
"info": {
"a": "bc_gxy6qn5p"
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false,
"properties": {
"a": {
"description": "App builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"s": {
"description": "Service builder codes",
"items": {
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"type": "array"
},
"w": {
"description": "Wallet builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
}
},
"type": "object"
}
}
}Use it
curl
curl "https://wealthpulse.theaslangroupllc.com/api/wealth/roth" # -> 402 Payment Required, accepts[] lists how to pay # retry with a PAYMENT-SIGNATURE (or PAYMENT header) once paid
JavaScript
const res = await fetch("https://wealthpulse.theaslangroupllc.com/api/wealth/roth");
if (res.status === 402) {
const { accepts } = await res.json();
// pay one of accepts[] via an x402 client, then retry with the payment header
}Python
import httpx
res = httpx.get("https://wealthpulse.theaslangroupllc.com/api/wealth/roth")
if res.status_code == 402:
accepts = res.json()["accepts"]
# pay one of accepts[] via an x402 client, then retry with the payment headerMachine-readable
Everything on this page is also available as clean JSON at /resources/4504.json, and this resource appears in /discovery/resources and /discovery/search.