Comprehensive retirement planning software

WealthTrace is comprehensive retirement planning software built for individuals who want to create and manage their own retirement plan. Model retirement income, taxes, Roth conversions, Social Security, investments, expenses, and what-if scenarios all in one place.

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Everything you need to build a comprehensive retirement plan

From retirement income and taxes to investments, Social Security, Roth conversions, and Monte Carlo analysis, WealthTrace brings professional-level retirement planning tools to DIY investors.

Retirement planning made easy

Monitor investments and net worth

Run powerful scenarios

Industry-best support from financial experts

Retirement planning software built for DIY investors

WealthTrace is designed for individuals and couples who want more than a basic retirement calculator. Build and manage a comprehensive retirement plan with detailed projections, investment analysis, tax planning, and powerful what-if scenarios.

Build your own retirement plan

Model your retirement income, expenses, investments, Social Security, pensions, taxes, and other sources of cash flow in one complete plan.

Test important financial decisions

Compare different retirement ages, spending levels, Roth conversions, investment strategies, and other what-if scenarios before making major decisions.

Use professional-level planning tools

Run Monte Carlo simulations, analyze Roth conversions and RMDs, review investment performance, and see how taxes can affect your retirement over time.

WealthTrace combines retirement planning, investment tracking, tax analysis, and long-term financial projections in one application built for people who want to take a hands-on approach to their retirement.

Discover why so many trust WealthTrace with their retirement planning.

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Build and manage your own retirement plan

WealthTrace gives individuals the tools to build a detailed retirement plan without relying on simplified retirement calculators. See whether you are on track, how long your money may last, and how changes to spending, retirement age, taxes, investments, and income can affect your future.

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All of your accounts in one place

Bring your investment accounts into your retirement plan so you can see your complete financial picture in one place. Link brokerage, IRA, 401(k), and other investment accounts to monitor balances, holdings, performance, transactions, fund fees, and asset allocation. Your data is safe and secure using the latest security measures. 

WealthTrace combines investment tracking with comprehensive retirement planning, so your investments are analyzed in the context of your retirement income, spending, taxes, and long-term goals.

Don't want to link your accounts? No problem, you can manually enter investments and holdings. Using the ticker symbols your balances will update each day.

AI-powered retirement planning insights

AI-powered plan insights

Ask questions about your retirement plan in plain English and get clear explanations based on your WealthTrace data. WealthTrace AI can help you better understand your projections, compare scenarios, identify which assumptions are driving your results, and explore areas such as cash flows, taxes, Roth conversions, withdrawals, Monte Carlo results, and more.

Instead of digging through every screen, you can quickly get helpful context about your plan and see which parts of your retirement strategy may deserve a closer look.

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Accurate retirement projections

WealthTrace is the only retirement planning software that looks at each individual investment holding and uses that information to make the most accurate projections.

Free retirement calculators are dangerously inaccurate and can lead to poor decisions. WealthTrace takes into account the federal tax code, state taxes, different account types, required minimum distributions, Social Security rules, and much more. With WealthTrace you can be confident in your planning results. Compare WealthTrace vs. free calculators.

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Understand how your investments are performing

See how your investment accounts and holdings have changed over time, including historical balances, performance, and income. Review fund fees and turnover so you can spot investments that may be costing you more than expected or creating unnecessary taxes. Use these insights to better understand how your investments are supporting your overall retirement plan.

 

view historical data for investments

Test retirement scenarios and important financial decisions

WealthTrace lets DIY retirement planners test hundreds of potential changes to their retirement plan. Run Monte Carlo simulations and compare what happens if you retire earlier, spend more or less, change your investment allocation, adjust Social Security, convert traditional IRA assets to a Roth IRA, or experience a market downturn.

Compare scenarios side by side to understand how each decision affects retirement income, taxes, portfolio balances, and the probability of funding your retirement goals.

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Testimonials

 

Dwight Fowler

Individual user, Hartford, Connecticut

I reviewed many financial management packages and chose WealthTrace many years ago. While it is powerful enough to be used by CFP's, I have been using it as my go-to software for managing personal pre-retirement and retirement financial plans. I am more hands-on than some, and prefer to manage my own portfolio.

It's very clear, the controls for building and testing scenarios are excellent. I am able to easily bring together all accounts of my portfolios with minimal effort from 401K's, IRA's, Mutual Funds, Stocks, Bank Accounts and more. I like the analytics. Importantly, I trust it. The company is small enough to listen to feedback and I have seen some of my suggestions implemented over the years.

Adam Santelli

Individual user, Los Angeles, California

I have been working with WealthTrace’s retirement planning software for several years and it has become the most valuable tool in my financial planning arsenal. Simple to use but extremely powerful and the Monte Carlo calculator is fantastic!

Dion Collins

Advisor user, CFP, Costa Mesa, California

WealthTrace is the best we've seen. We have spent years trying different planning software packages. We have just begun using the WealthTrace system and believe we have finally found what we have been looking for. We are able to apply our methodology and produce the results we need to be consistent with what we are communicating to our clients.

The ability to change inputs and get immediate results is a huge time-saver. Between the low price for the system and the speed with which we can get results, we believe this may be the best thing that has happened to our practice in years.

Jason Gibbons

Individual user, Atlanta, Georgia

WeathTrace is an amazing tool. It has given me peace of mind that we are in good shape for retirement and we can make changes as needed and see the impact. The team takes feedback and they make regular updates to the program, which continues to support changing financial needs.

Ralph Eberts

Individual user, San Francisco, California

Great planning tool! Prepared me for financial independence.

David Johnson

Individual user, Boise, Idaho

Professional-level tools, but easy to use for personal use. Enough detail and "what if" tools to build, optimize, stress test and track your financial plan, all the way through retirement.

Emily Cohen

Individual user, Oakland, California

The most comprehensive and useful wealth planning tool I could find. I have 100% confidence in how the program works and the results it delivers. I must also add praise for the team's responsiveness to questions.

Mike Wilsner

Individual user, Miami, Florida

I've been very impressed with the flexibility of WealthTrace in being able to handle numerous complexities in financial planning - and yet being easy to use. Excellent user manual, solid and prompt technical support, and fair pricing. Bonus: It helped me (belatedly) see that a Roth conversion of my traditional IRA would be very advantageous - it's more than paid for a lifetime of subscriptions.

Gwenith Whitney

Individual user, Seattle, Washington

The software is great. The company is always making improvements. You actually get to speak with a knowledgeable human if you have issues. I really love this software.

Jack Mendenhall

Individual user, Dallas, Texas

The WealthTrace retirement planning software is very intuitive and has incredible flexibility with setting up the specifics of my plan. I use it rountinely to monitor my plan and do "what-ifs" to ensure I make good decisions. I've looked at several other options, WealthTrace is the most powerful and easy to use system. The team is also very responsive to questions. Highly recommended.

 

Frequently asked questions

Learn more about how WealthTrace helps individuals and couples build, analyze, and manage a comprehensive retirement plan.

What is WealthTrace?

WealthTrace is comprehensive retirement planning software for individuals and couples who want to build, manage, and analyze their own retirement plan. It combines detailed retirement projections with investment tracking, tax planning, and tools for evaluating important financial decisions.

Who is WealthTrace designed for?

WealthTrace is designed for DIY investors, people approaching retirement, and current retirees who want more detailed planning tools than a basic retirement calculator. It is especially useful for people who want to take a hands-on approach to managing their retirement plan.

Is WealthTrace more than a retirement calculator?

Yes. WealthTrace goes beyond a basic retirement calculator by combining detailed retirement projections, Monte Carlo analysis, investment tracking, Social Security planning, tax analysis, Roth conversion tools, required minimum distribution projections, and powerful what-if scenarios.

Can I use WealthTrace without a financial advisor?

Yes. WealthTrace is built so individuals and couples can create, analyze, and manage their own comprehensive retirement plan. You can test different strategies and see how changes to income, spending, taxes, investments, and retirement timing may affect your long-term plan.

Can WealthTrace help with Roth conversions and retirement taxes?

Yes. WealthTrace can model Roth conversions, required minimum distributions (RMDs), retirement income, withdrawals, and taxes over time. You can compare different strategies and see how they may affect your retirement assets and long-term financial plan.

Can I link my investment accounts to WealthTrace?

Yes. You can connect investment and retirement accounts to track balances, holdings, performance, transactions, and other investment information alongside your retirement plan. Accounts and investments can also be entered manually.

Can financial professionals use WealthTrace too?

Yes. WealthTrace also offers a version for financial professionals who want to create and manage retirement plans for clients. The individual version is designed for consumers and DIY investors, while the professional version includes additional tools for working with multiple clients and plans.