I don't like commercial product for this task, and not just because of money, more because it is closed code.
You can learn how to do it by yourself. Look at this CodeProject article:
Writing Your Own RTF Converter[
^].
Now, I would advice you do now allow the user to post all thinkable HTML code. More exactly, you could filter out all tags except some limited set you allow in your document. It will make conversion to RTF easy and will add some safety to your site.
Alternatively, I would recommend keeping all the documents in HTML (better yet, XHTML) without using RTF. HTML is much better suited for Web applications.
—SA