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ToRothorNot

ToRothorNot

Should you convert your IRA?

4 ratings
3 reviews
📚 Education
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • April 20, 2026
  • July 22, 2026

Features

Developer

Orestes Melgarejo
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🧾$19.99
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About

This app helps you evaluate Roth conversion strategies and their impact on your retirement. It allows you to compare different scenarios, test Social Security claiming choices, and model various financial factors for individuals and married households.

✓Roth conversion strategy evaluation
✓Social Security claiming analysis
✓Scenario comparison
✓Married household modeling
✓ACA subsidy impact exploration
✓Dynamic 'what-if' analysis
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What's New in ToRothorNot

1.4.3

July 22, 2026

Bug fixes.

1

In-App Purchases

$19.99

Premium Unlock

Premium tools for Roth conversion & retirement planning

User reviews

Most RecentHighest RatedLowest Rated

Super helpful

I just downloaded this app and it gave me all the relevant information I needed on whether or not to convert my Roth IRA account. Thank you!
JusttSammmJusttSammm

I was shocked!

All other Roth calculators say don’t convert but this app will help me save over 1 million in taxes by the time my kids inherit my Roth account!
Nikkimel_Nikkimel_

Eye Opening!

I never gave Roth conversion much though until I used this app. It helped me find a conversion schedule that will end up providing an extra $3 million in net worth by the time I’m 90.
Loremel1Loremel1

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FAQ

What is ToRothorNot?

ToRothorNot is an educational planning tool designed to help users evaluate Roth conversion strategies and understand their potential impact on retirement savings and net worth over time.

How does ToRothorNot help with Roth conversions?

It allows you to input your Traditional IRA balance and tax-related information to compare up to three custom scenarios, projecting IRA value, net worth, and costs at age 72.

Can ToRothorNot model Social Security claiming strategies?

Yes, the app enables you to test various Social Security claiming choices and compare them side by side with Roth conversion scenarios to identify the strongest approaches for your situation.

Does ToRothorNot support married couples?

Yes, it supports married households, including survivor-spouse modeling and separate spouse Social Security timing analysis, to provide comprehensive planning for couples.

What advanced features are available with Premium?

Premium unlocks Computed Strategies for automatic scenario testing, heir-focused comparisons, PDF and CSV exports, and dynamic Explore tools for real-time 'what-if' analysis of various planning inputs.

How does ToRothorNot handle tax complexities?

The app models a wide range of factors including federal tax brackets, Social Security taxation, IRMAA surcharges, NIIT, AMT, ACA premiums and subsidies, capital gains, and QCDs, using 2026 federal tax tables.

Is ToRothorNot a guaranteed best strategy tool?

No, ToRothorNot is an educational planning tool and does not guarantee the absolute best strategy. It aims to be a practical way to evaluate tradeoffs and prepare for advisor conversations.

What devices is ToRothorNot available on?

ToRothorNot is available on iPhone and iPad, indicated by its supported devices list.