PLANNING
Personal financial planning software.
Clearer financial decisions.
WealthTrace is professional-grade financial planning software that allows you to understand your entire financial picture. Bring together investments, taxes, income, expenses, Social Security, and retirement goals. Run detailed projections, compare scenarios, and see how your decisions affect your financial future.
Planning Overview
See your complete retirement plan in one dashboard
WealthTrace brings your retirement income, investments, expenses, and taxes together in one dashboard. Explore detailed year-by-year projections and see how your financial future unfolds.
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View annual income, expenses, taxes, and balances.
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Run 1,000 Monte Carlo retirement simulations.
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Adjust assumptions and update your projections.
Scenario Analysis
Compare retirement what-if scenarios side by side
Retire earlier, spend more, change investments, or make Roth conversions. WealthTrace compares what-if retirement scenarios to show how each decision affects your projected savings, taxes, and probability of retirement success.
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Compare retirement and Social Security ages.
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Test Roth conversions, spending, and investments.
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Compare balances and retirement success rates.
Guardrails & Flexible Spending
Dynamic retirement spending with flexible guardrails
Retirement spending doesn't have to stay fixed. WealthTrace models flexible spending guardrails that adjust withdrawals based on portfolio performance. See when to increase spending and when to reduce withdrawals to protect your retirement savings.
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Set upper and lower spending guardrails.
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Model spending changes as markets fluctuate.
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See how guardrails affect retirement success.
AI Retirement Planning Assistant
Meet Trace AI: your retirement planning assistant
Get answers about your retirement projections without sorting through pages of financial data. Trace AI helps explain your WealthTrace plan, explore what-if scenarios, and understand how different financial decisions may affect your retirement.
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Ask about projections, investments, and retirement success.
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Explore retirement, spending, and what-if scenarios.
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Get clear answers based on your own retirement plan.
Built on everything you actually own
Brokerage, retirement, and bank accounts, plus real estate, pensions, and Social Security — WealthTrace pulls your whole financial life into one plan, not a generic average.
What matters in a financial plan
What should you look for in financial planning software?
Good financial planning software does more than project a retirement savings balance. It shows how your investments, taxes, income, and spending decisions interact—and lets you test what happens when your plans change.
Comprehensive tax planning
See how federal and state taxes, RMDs, and Medicare surcharges may affect retirement income.
Your real investments
Work with actual accounts and underlying holdings—not just a generic asset mix.
Meaningful Monte Carlo analysis
Explore possible outcomes and how adjusting spending can affect your plan.
Roth conversion scenarios
Compare the long-term tax impact of different conversion amounts and years.
Flexible withdrawal strategies
Model which accounts pay for expenses and how those choices affect taxes and balances.
Clear what-if comparisons
Test changes to retirement dates, spending, and market assumptions in one plan.
How WealthTrace helps: These capabilities work together in one connected financial plan, helping you evaluate tradeoffs using your own financial details rather than generic averages.
Resources
Go deeper on building your retirement plan with WealthTrace.
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Build your first plan in WealthTrace
See how easy it is to get started and explore your retirement projections.
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Why the first 5 years of retirement matter so much
Learn how early market losses can affect how long your retirement savings last.
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Adjust your spending as markets change
See how spending guardrails help protect your retirement plan during market downturns.
Frequently asked questions
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WealthTrace projects your cash flow, account balances, income sources, and taxes year by year, then runs Monte Carlo simulations to show your probability of success, and flags potential shortfalls while there's still time to act.
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Yes. WealthTrace uses Monte Carlo simulations to evaluate how a retirement plan might perform across a range of market outcomes. The results help you understand your probability of retirement success and how changes to your financial plan could affect it.
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Yes. WealthTrace shows how income from Social Security, pensions, investment withdrawals, RMDs, and other sources flows through your plan over time. This helps you understand not just whether your plan works, but how your retirement income may be generated each year.
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WealthTrace runs 1,000 Monte Carlo simulations of your plan, each testing a different sequence of market returns. The results show your probability of retirement success, along with a range of possible outcomes, from weaker markets (25th percentile) to stronger ones (75th percentile). This helps you see how your plan holds up beyond a single average-return projection.
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Spending guardrails let your retirement spending adjust as markets change. You set an upper and lower guardrail around your target spending. If your portfolio grows above the upper guardrail, WealthTrace shows when you could raise spending. If it falls below the lower guardrail, it shows when to cut back to protect your savings. You can see how guardrails affect your probability of success compared with fixed spending.
Keep exploring WealthTrace
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Investments
Track your investments, understand your asset allocation, and see how your portfolio performs.
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Taxes & Withdrawals
Plan Roth conversions, reduce retirement taxes, and make smarter withdrawal decisions.
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Resources & Support
Find tutorials, helpful guides, and expert insights to get more from WealthTrace.
See how your retirement plan measures up
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.
