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It appears that the calculator assumes you have $2000 to invest and if you go with the Roth, you will immediately pay the 39% out of the $2000. If you put $2000 in the Roth (You would still pay taxes but not out of your principal in the IRA) then your lump sum at retirement would be the same, and your after tax withdrawals (now off the same base) would be larger than the Traditional withdrawals since the withdrawals would not be taxed.

I have a feeling that you would put in the $2000 regardless of the tax deduction. The Roth may not be the "best" answer but the calculator can be missleading by the assumption it makes. Of course, you loose the value of that 39% you pay in forgone deductions, the value of which is reflected in the difference in the pre-tax lump sum at retirement amount.

I hope I made sense.

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