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100 Years of U.S. Tax Rates
The top U.S. federal income tax rate has been as high as 94%, sat above 70% for decades, and only touched today's 37% relatively recently. Meanwhile, the national debt keeps climbing. Today's rates are historically low — and that is the entire reason a Roth conversion done now can be worth so much more than one done later. Get the one-page chart that tells the whole story at a glance.
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Frequently asked
Why do historically-low rates matter for Roth conversions?
You pay tax on a Roth conversion at today's rates and never again on that money — or its growth — for the rest of your life or your heirs'. If the top federal rate sat above 70% for most of the last century and today it's 37%, then converting now locks in a historically low price on future tax-free income. When rates rise, the same dollars converted later cost meaningfully more.
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Illustrative and educational only — not tax, legal, or investment advice. Figures are a 2026 snapshot and change.