A worksheet that walks you through the real current-vs-future tax bracket comparison behind the Roth-vs-Traditional decision, instead of generic ‘it depends’ advice.
A real bracket-comparison worksheet gives you an actual answer, instead of the usual it depends.
Backed by a 30-day money-back guarantee. If it is not useful, we will refund it, no questions asked.
The Roth-vs-Traditional decision hinges on one comparison almost nobody actually runs: your current marginal tax bracket versus your realistically expected bracket in retirement, and most ‘it depends’ articles never make you do that math.
This worksheet walks you through estimating both brackets with this year’s real numbers, then applies a clear decision rule (Roth wins if your future bracket is higher, Traditional wins if it’s lower) plus a split-contribution option for when the two brackets are close or genuinely uncertain.
We built this after noticing ‘it depends’ is the most common, and least useful, answer to the Roth-vs-Traditional question. Running the actual bracket comparison, even a rough one, beats guessing every time.
— DaveWays
Runs your actual current vs. projected retirement bracket instead of a rule of thumb.
Covers what to do when your brackets are close or genuinely uncertain, not just the two extremes.
A repeatable worksheet you can rerun whenever your income or plans change.
Is this financial advice?
No, it’s a structured worksheet to help you estimate your own bracket comparison; consult a tax professional for advice specific to your situation.
What if I’m not sure what my retirement income will be?
Use your best estimate from Social Security, pension, and expected withdrawals; the worksheet is designed to be rerun as those estimates change.
Can I use this for both a 401(k) and an IRA?
Yes, the same current-vs-future bracket logic applies to both account types.
Roth vs Traditional IRA Decision Worksheet (Free Preview) — download a condensed version free, no purchase required, to see if it's a fit before you buy.
Roth vs Traditional IRA Decision Worksheet is $16.99 USD, one-time payment, instant delivery, no subscription. Covered by our 30-day money-back guarantee. See our refund policy and terms.
