拠出時の所得控除（従来型）と運用益・引出時の恒久非課税（Roth）の将来手取り資産額比較。
Because your current tax rate (24%) is significantly higher than your expected retirement rate (15%), taking the upfront tax deduction and reinvesting it delivers superior total spendable wealth.
Roth FV = C × [((1+r)ⁿ - 1) / r] × (1+r) | Trad Spendable = [Trad FV × (1 - RetTax)] + ReinvestedSavingsTax arbitrage between accumulation years (marginal tax rate t₁) and distribution years (effective tax rate t₂) determines the optimal retirement vehicle. Exact IEEE-754 decimal compounding models full lifetime wealth accumulation without floating-point drift.
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