Results

Lowest-tax plan: Roth-heavy

Savings vs worst

$6,810

Plan

Traditional-heavy

Total tax

$10,696

AGI$122,200

Deduction$29,200

Taxable income$93,000

SS taxable$27,200

Federal tax$10,696

IRMAA (tier 0)$0

Bracket fill

10%12%

vs worst

100%

Minimum

Roth-heavy

Total tax

$3,886

AGI$65,450

Deduction$29,200

Taxable income$36,250

SS taxable$20,450

Federal tax$3,886

IRMAA (tier 0)$0

Bracket fill

10%12%

vs worst

36%