--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Roth IRA Calculator" developer_entity: "HeungYeol Kim" bundle_id: "io.github.ddojai.rothIraCalculatorUs" app_store_id: "6772106673" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2026-10-23" report_date: "2026-10-27" last_verified: "2026-10-27T00:00:00.000Z" report_version: "1.1.1" total_reviews: 2 overall_rating: 5 confidence: "low" confidence_score: 0.2 data_age_days: 19 momentum_velocity: "maintenance" intelligence_version: 2 tags: ["finance", "free", "mobile app", "app review", "app analysis", "taxpayers", "seeking", "estimate"] canonical_url: "https://marlvel.ai/apps/roth-ira-calculator" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Roth IRA Calculator Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 5 > **TL;DR:** Roth IRA Calculator is a finance app by HeungYeol Kim, rated 5/5 by 2 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Roth IRA Calculator is a finance app by HeungYeol Kim. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (2 reviews) | | **Category** | Finance | | **Developer** | HeungYeol Kim | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.2/1.0) | | **Data Age** | 19d | ## Metadata & Market Performance - **Publisher:** HeungYeol Kim - **Category:** Finance - **Target Audience:** U.S. taxpayers seeking to estimate Roth IRA contribution limits and verify their tax figures against official IRS worksheets. - **Platforms:** iOS - **Version Reviewed:** 1.1.1 - **Report Date:** 2026-10-27 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.2/1.0) - **App Store ID (iOS):** 6772106673 - **Bundle ID:** io.github.ddojai.rothIraCalculatorUs - **Data Window:** Analysis based on signals collected up to 2026-10-27 ## Executive Snapshot **What it is:** Roth IRA Calculator is a privacy-focused tax utility for U.S. taxpayers to estimate Roth IRA contribution limits and verify figures against IRS worksheets. **Why users hire it:** The app removes the friction of manual tax-rule lookup and potential data-privacy concerns by processing all financial inputs locally on the user's device. ## App DNA (Features & Intent) - **[Standard] Roth IRA Contribution Calculator:** Calculates 2026 contribution limits based on filing status and MAGI. - **[Differentiator] IRS Worksheet 2-2 Integration:** Displays line-by-line calculations from official IRS worksheets for user verification. - **[Standard] Excess Contribution Check:** Examines potential excess contributions after the tax year window closes. ## Market Position {#market-position} Roth IRA Calculator maintains a niche position as a privacy-focused utility in the Finance category. With a 5-star rating based on a small sample, the app relies on organic discovery rather than paid acquisition. ## Monetization Strategy - **Model:** Free - **Tiers:** Completely free, no ads, no tracking - **Analysis:** The app operates as a free, privacy-focused utility with no monetization mechanisms. ## SWOT Analysis {#swot} **Core Strengths:** - Privacy-first local data processing creates a trust barrier - IRS Worksheet 2-2 integration provides a verifiable calculation path **Growth Levers:** - Educational content on backdoor Roth conversions could capture complex-planning users - Annual tax-rule updates could secure repeat-user loyalty ## What's New - **Latest (v1.1.1, 3 days ago):** Update limited to refreshed App Store screenshots and description with no functional changes. ## App Momentum (Maintenance) {#momentum} - Refreshed store metadata in latest release - Ships maintenance-only updates > **Cadence:** 2 total versions · 0 majors in last 6 months · 3 days since last update · 18 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} Roth IRA Calculator is a finance app that is completely free. It holds a 5/5 rating from 2 reviews. > **Bottom Line:** Roth IRA Calculator serves a specific need for private, verifiable tax calculations. The developer should prioritize annual tax-rule updates, as the app's utility is entirely dependent on its accuracy during the tax season. **Best for:** U.S. taxpayers seeking to estimate Roth IRA contribution limits and verify their tax figures against official IRS worksheets. ### PM Action Plan (Next Best Moves) - [ ] [MAINTAIN] Ship annual tax-rule updates because the app's utility relies on current IRS data → maintain user trust ### Outlook: Stable The outlook for Roth IRA Calculator is stable, as it serves a specific, non-volatile need for tax-rule verification. The app's success depends on the developer's ability to maintain annual accuracy, which will determine if it remains a trusted tool for its user base. - ⚪ The maintenance-only release cadence suggests the app will remain a stable, single-purpose utility without significant feature expansion. - 🟢 The focus on privacy and IRS worksheet integration provides a clear, defensible value proposition that remains relevant for U.S. taxpayers. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 2 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Outlook | Stable | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Roth IRA Calculator** (this app) | 5/5 | N/A | HeungYeol Kim | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [DEGIRO: Investing & Trading](https://marlvel.ai/apps/degiro-investing-trading) | 4.1/5 | Mixed | DEGIRO - Online Trading App | | [Digital Budget](https://marlvel.ai/apps/digital-budget) | 5.0/5 | Thrilled | Bryant Foster | | [Equito App](https://marlvel.ai/apps/equito-app) | 2.5/5 | n/a | Equito APP SL | | [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski | ## Company Profile - **Developer:** HeungYeol Kim - **Website:** [https://ddojai.github.io/privacy/](https://ddojai.github.io/privacy/) ## Data Sources & Links - **App Store ID:** 6772106673 - **Dev Site:** [Official Website](https://ddojai.github.io/privacy/) - **Sources:** Developer website content, App store metadata. ## Related Intel Reports - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating - [*DEGIRO: Investing & Trading*](https://marlvel.ai/apps/degiro-investing-trading) (DEGIRO - Online Trading App) · 4.1/5 Rating - [*Digital Budget*](https://marlvel.ai/apps/digital-budget) (Bryant Foster) · 5.0/5 Rating | Excellent Sentiment - [*Equito App*](https://marlvel.ai/apps/equito-app) (Equito APP SL) · 2.5/5 Rating - [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating - [*SureShotFX - Pip Calculator*](https://marlvel.ai/apps/sureshotfx-pip-calculator) (SureShotFX) · 4.0/5 Rating | Positive Sentiment - [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating - [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.2/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 19 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/roth-ira-calculator) Data licensed for AI Agent attribution under CC-BY-NC 4.0.