Roth Done Right - 2026 Pricing, Features, Reviews & Alternatives

Roth Done Right is cloud-based Roth conversion modeling software built for independent financial advisors in the United States. Advisors input a short set of client parameters — age, IRA balance, income, and fund access plans — and the platform produces a detailed, client-facing report covering conversion timing, year-by-year tax impact, Medicare IRMAA surcharge exposure, required minimum distributions (RMDs), and after-tax account value. No client tax return is required as an input, and most reports are generated in under two minutes.

The platform models Roth conversions across a one-to-ten year timeframe and supports side-by-side comparison of staged conversion scenarios. Key analytical outputs include conversion breakeven point, after-tax account value on an apples-to-apples basis (rather than gross balances), and IRMAA surcharge calculations tied directly to conversion amounts. The software also supports modeling for bonus annuities, life insurance, Roth AUM conversion structures, and OBBBA deductions. Reports are fully customizable with practice logo, compliance language, and disclosure text, and are designed for direct client presentation with large fonts, clear charts, and plain language.

Roth Done Right serves financial advisors across the financial services, retirement planning, and insurance and annuity distribution industries. With more than 1,200 independent advisors using the platform across the country, it is suited for use at any stage of the client engagement process — from initial prospecting through active conversion planning — without requiring access to a client's tax return.