ToRothorNot
Should you convert your IRA?
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Are you wondering whether you should convert your IRA to a Roth or not? ToRothorNot can help!
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.
Bug fixes.
The developer, Orestes Melgarejo, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Orestes Melgarejo
- Size
- 4.7 MB
- Category
- Finance
- Compatibility
Requires iOS 18.6 or later.
- iPhone
Requires iOS 18.6 or later. - iPad
Requires iPadOS 18.6 or later. - Mac
Requires macOS 15.6 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.6 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Premium Unlock $19.99
- Copyright
- © 2026 omSoft LLC