# ToRothorNot — Should you convert your IRA?

> Retirement planning tool for Roth conversion and Social Security strategy evaluation. (iPhone/iPad app by Orestes Melgarejo.)

- Source: https://appshunter.io/ios/app/torothornot/id6760440223 (this page in markdown: same URL + `.md`)
- Developer: [Orestes Melgarejo](https://appshunter.io/developer/1329957643)
- Category: Finance, Education
- Price: Free with in-app purchases
- Rating: 5.00/5 from 4 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.6 · 5 MB
- Languages: American English
- Released: 2026-04-20
- Data updated: 2026-07-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/torothornot/id6760440223/reviews.md

## What is ToRothorNot?

ToRothorNot helps you evaluate Roth conversion strategies and see how they may affect your retirement over time. Enter your Traditional IRA balance, tax-related inputs, and up to three custom scenarios to compare projected IRA value at age 72, end net worth, cumulative costs, and other key planning outcomes.

You can test Social Security claiming choices, compare scenarios side by side, and evaluate which approaches appear strongest for your situation. The app also supports married households, including survivor-spouse modeling and separate spouse Social Security timing.

Premium unlocks Computed Strategies that automatically test approaches such as No Conversions, Balanced Conversions, Best End Net Worth Found, Optimized for Net Worth at 72, and more. Premium also adds heir-focused comparisons, PDF export of the Summary, CSV export of detailed Results, and dynamic Explore tools for what-if analysis.

Explore lets you adjust conversion amounts, Social Security timing, spending, investment growth, annual QCDs, and other planning inputs to see results change in real time. For ACA users, the app also includes subsidy-aware exploration to show how key income inputs may affect ACA costs and subsidies.

ToRothorNot models a broad range of factors, including federal tax brackets, Social Security taxation, the enhanced Senior Deduction, IRMAA surcharges, NIIT, AMT, ACA premiums and subsidies, capital gains taxation, QCDs, and survivor-spouse timing effects. The current release models 2026 federal tax tables and related limits, and the app is intended to be updated each year to reflect tax-law and threshold changes.

This is an educational planning tool and does not model every IRS worksheet or edge case. It does not guarantee the absolute best strategy, but it can be a practical way to evaluate tradeoffs and prepare for conversations with your advisor.

## Key features

- Roth conversion strategy evaluation
- Social Security claiming analysis
- Scenario comparison
- Married household modeling
- ACA subsidy impact exploration
- Dynamic 'what-if' analysis

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Premium Unlock | $19.99 | one-time |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/torothornot/id6760440223/reviews.md

### 5/5 — Super helpful

*2026-07-15*

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!

### 5/5 — I was shocked!

*2026-05-25*

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!

### 5/5 — Eye Opening!

*2026-05-07*

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.

## Frequently asked questions about ToRothorNot

### 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.

## Version history (last 5 releases)

### 1.4.3 — 2026-07-22

Bug fixes.

### 1.4.2 — 2026-07-15

Simplified startup.

### 1.4.1 — 2026-07-06

Added note in help section informing users about potential 10% penalties for earlier IRA or converted Roth withdrawals to pay for ongoing costs.

### 1.4.0 — 2026-07-02

New comparison chart shows growth for different conversion schemes.

### 1.3.10 — 2026-06-27

Better handling of social security taxation.

## More apps by Orestes Melgarejo

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All apps by Orestes Melgarejo: https://appshunter.io/developer/1329957643

## Related topics

[orestes melgarejo](https://appshunter.io/ios/topics/orestes-melgarejo)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-26.*