{
  "x402Version": 2,
  "id": 4504,
  "slug": "4504",
  "resource": "https://wealthpulse.theaslangroupllc.com/api/wealth/roth",
  "description": "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.",
  "type": "http",
  "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
    }
  ],
  "outputSchema": {
    "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"
      }
    }
  },
  "tags": [
    "bazaar",
    "builder-code"
  ],
  "sourceHost": "wealthpulse.theaslangroupllc.com",
  "lastUpdated": "2026-08-20T14:03:58.479Z",
  "quality": {
    "calls30d": 1,
    "uniquePayers30d": 1,
    "lastCalledAt": "2026-08-20T14:03:58.325Z"
  },
  "liveness": {},
  "verified": false,
  "featured": false,
  "provider": {
    "host": "wealthpulse.theaslangroupllc.com",
    "manifest_name": "wealthpulse.theaslangroupllc.com",
    "source": "cdp-mirror",
    "source_manifest_url": "https://api.cdp.coinbase.com/platform/v2/x402/discovery/resources",
    "submitted_at": "2026-09-18T22:00:31.484Z"
  }
}