ToRothorNot | Roth Conversion & Retirement Tax Planning

ToRothorNot helps you model Roth conversion strategies before and after retirement. Compare custom scenarios, test Social Security timing, and see how conversions may affect long-term net worth, future RMDs, taxes, IRMAA, ACA subsidies, NIIT, QCDs, survivor-spouse outcomes, and more.

Plan the “gap years” before RMDsThe years before Social Security, Medicare, and required minimum distributions can create important Roth conversion opportunities. ToRothorNot helps you explore those tradeoffs instead of looking only at this year’s tax bill.

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.

Why Roth Conversion Timing MattersMany retirement planning decisions depend on timing. The years before Social Security, Medicare, and required minimum distributions (RMDs) may create opportunities for Roth conversions at lower tax rates.A Roth conversion strategy that appears beneficial today may have different results once future tax brackets, Social Security taxation, Medicare IRMAA surcharges, ACA subsidies, capital gains taxes, and survivor-spouse tax rates are considered.ToRothorNot helps you compare these tradeoffs by modeling retirement scenarios over time instead of focusing only on the current year.

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Frequently Asked QuestionsShould I do Roth conversions before Social Security?Many retirees and early retirees use the years before claiming Social Security to evaluate Roth conversion opportunities while taxable income may be lower.Can Roth conversions affect Medicare IRMAA surcharges?Yes. Additional income from Roth conversions may increase Medicare IRMAA premiums in future years.Can Roth conversions affect ACA subsidies?Yes. Roth conversions may affect ACA subsidy eligibility and costs for households purchasing health insurance through the ACA marketplace.Can Roth conversions reduce future RMDs?Reducing Traditional IRA balances through Roth conversions may lower or eliminate future Required Minimum Distributions (RMDs) which lower your tax bill.Can I compare multiple Roth conversion strategies?ToRothorNot allows side-by-side scenario comparisons and includes automated/optimal scenarios with Premium.

ToRothorNot 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 professional advisor.