ToRothorNot

ToRothorNot is an app that helps people decide whether it makes sense to convert their Traditional IRA to a Roth IRA or not. It can help determine the optimal conversion schedule to meet various goals like net worth and others.

Free Version

The free version offers a solid start to help you test some conversion scenarios and compare how they perform over time.

Computed Strategies (Premium)

Computed strategies in the Premium version finds conversion strategies that aim at best end net worth, best net worth at age 72, tax bracket fill, and more. Strategies are not guaranteed to find best results and may guide you toward finding an even better conversion plan.

Interactive Explore Tools (Premium)

Dynamically change key inputs like conversion amounts, SS timing, spending, growth rate, etc. to see how they impact net worth in real time.

Full Export of Results (Premium)

The Premium version allows full export of results table and a PDF report showing your scenarios and computed strategy results.

Richer Modeling (Premium)

Premium offers deeper and more expansive modeling that takes advanced factors into consideration such as: effect on heirs, survivor results when one spouse passes, qualified charitable distributions, ACA and more.

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