Comprehensive retirement planning software for DIY investors
Professional-grade retirement projections built on your actual accounts and holdings, with Roth conversion optimization, Monte Carlo simulations, detailed tax planning, and what-if scenarios.
Build your plan. Test the risks. Improve the outcome.
Can I retire early? How much can I safely spend? Will a market crash derail my plan? WealthTrace answers the questions basic retirement calculators can’t, showing what’s likely to happen and what you can change to improve it.
Retirement planning software that analyzes your actual investments
Go beyond generic portfolio assumptions. Link your investment accounts, analyze your actual holdings and performance, and see how your investments impact your retirement projections.
Account linking and investment tracking
Holdings-level analysis
Asset allocation and investment performance
Optimize Roth conversions and plan for taxes in retirement
Improve your retirement tax strategy with Roth conversion optimization, RMD projections, and detailed tax planning. Compare strategies and see how they affect your lifetime taxes, retirement savings, and assets left to heirs.
Roth conversion optimization
Tax-bracket and RMD analysis
Tax-efficient withdrawal strategies
Monte Carlo retirement simulations and what-If scenarios
See how your retirement plan performs across a wide range of market outcomes. WealthTrace uses Monte Carlo simulations to evaluate your probability of retirement success and lets you test what-if scenarios, including retiring earlier, spending more, or changing investments.
Probability of retirement success
Sequence-of-returns risk
Side-by-side retirement scenarios
Your retirement plan, as detailed as you need it
Whether your retirement finances are straightforward or involve multiple investment accounts, real estate, pensions, and complex tax strategies, WealthTrace gives you the flexibility to build a plan that fits your situation. Start with the essentials and add more detail as your needs evolve.
Taxes
Federal, state, local brackets, NIIT, IRMAA, Roth conversions, and capital gains.
Income
Social Security, pensions, annuities, part-time work, and retirement income timing.
Your retirement model
Every major assumption flows into one year-by-year plan, so you can test decisions before you make them.
Projection
Age 95
Scenario
Post-tax
Modeling
Editable
Output
Clear plan
Real estate
Primary residence, rentals, property sales, sale timing, and depreciation recapture.
Healthcare
Healthcare costs, Medicare, insurance expenses, and IRMAA premiums.
Market risk
Sequence-of-returns, inflation shocks, Monte Carlo paths, and longevity risk.
Goals & legacy
Travel, family gifting, charitable intent, education support, and estate planning goals.
Compare retirement scenarios before you decide
Compare your current plan with any alternative, such as converting to Roth, retiring earlier, or spending more, and see the difference in ending balance and lifetime taxes side by side.
Set guardrails for spending in good markets and bad
No black boxes. See what’s driving your plan.
Every assumption, calculation, and projection is visible and customizable. If a result surprises you, you can see what produced it, from the account and investment level down to the year-by-year details.
What our customers say
Frequently asked questions
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WealthTrace is comprehensive retirement planning software designed for DIY investors who want professional-grade financial projections. It's ideal for individuals and couples who want to plan retirement, analyze investments, optimize taxes, and compare retirement strategies.
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WealthTrace goes beyond basic calculators with detailed year-by-year projections, Monte Carlo simulations, Roth conversion optimization, tax planning, and analysis of your actual investment holdings.
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Yes. WealthTrace compares Roth conversion strategies, models federal and state income taxes, tracks required minimum distributions (RMDs), and accounts for Medicare IRMAA and Social Security taxation.cription
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Yes. Start a free trial to build your retirement plan, explore detailed projections, test what-if scenarios, and see how WealthTrace helps you make informed retirement decisions.
Make confident retirement decisions based on your complete financial picture
Ready to plan your retirement ? Create a free account using your personal finances, or explore a ready-made sample plan and play around with the numbers first.