注意如果你2022年退休，低税率到2025年，那时每年你准备转多少401K？过了77K(at 2018-2025 tax rate)就不值了吧。因为你退休后一年不会取76K (at 2017 tax rate)。
所以我还是建议401K现在就转Roth IRA，每年MAGI不超过165K还是值得。
2018 Income Tax Brackets
| Rate |
Individuals |
Married Filing Jointly |
| 12% |
$9,526 to $38,700 |
$19,051 to $77,400 |
| 22% |
38,701 to $82,500 |
$77,401 to $165,000 |
| 24% |
$82,501 to $157,500 |
$165,001 to $315,000 |
| 32% |
$157,501 to $200,000 |
$315,001 to $400,000 |
Table 2. Married Filing Joint Taxable Income Tax Brackets and Rates, 2017
| Rate |
Taxable Income Bracket |
Tax Owed |
|
10%
|
$0 to $18,650 |
10% of taxable income |
|
15%
|
$18,650 to $75,900 |
$1,865 plus 15% of the excess over $18,650 |
|
25%
|
$75,900 to $153,100 |
$10,452.50 plus 25% of the excess over $75,900 |
|
28%
|
$153,100 to $233,350 |
$29,752.50 plus 28% of the excess over $153,100 |
|
33%
|
$233,350 to $416,700 |
$52,222.50 plus 33% of the excess over $233,350 |
|
35%
|
$416,700 to $470,700 |
$112,728 plus 35% of the excess over $416,700 |
|
39.60%
|
$470,700+ |
$131,628 plus 39.6% of the excess over $470,700 |
