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WealthTrace turns retirement planning into a clear, actionable strategy. Bring your accounts, income, taxes, spending, and investments together, then use Deluxe to optimize Roth conversions, plan tax-smart withdrawals, and stress test bear markets.
Simple, transparent pricing
Professional-grade retirement planning at a price that fits your needs.
No credit card required. Explore every feature before choosing your plan.
Standard
Comprehensive retirement planning
- ✓ Build a comprehensive retirement plan
- ✓ Project retirement income, expenses, and savings
- ✓ Run 1,000-simulation Monte Carlo analysis
- ✓ Link financial accounts using Plaid or Yodlee
- ✓ Model Social Security benefits and retirement income
- ✓ Plan for taxes and required minimum distributions
- ✓ Explore multiple what-if scenarios
- ✓ Model a move to another state
- ✓ Vary inflation and investment assumptions
- ✓ Create detailed retirement planning reports
- ✓ Customize expense funding sources and cash flow destinations
Deluxe
Everything in Standard, plus:
- ✓ Add and edit individual investment holdings
- ✓ Track investment performance, fees, and historical balances
- ✓ Optimize Roth conversion strategies
- ✓ Run asset allocation scenarios
- ✓ Stress test bear market scenarios
- ✓ Set Monte Carlo guardrails
- ✓ Use WealthTrace AI for retirement planning questions
Every free trial includes full Deluxe access for 7 days. Choose Standard or Deluxe when your trial ends. No credit card required and no automatic charges.
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Features for each version
The complete breakdown — every feature, every plan.
| Feature | Standard | Deluxe |
|---|---|---|
| Accounts & Investments | ||
| Import and link investment and bank accounts* | ||
| Track all investment gains, investment values, expenses, and shortfalls through time | ||
| Manually add investment holdings (prices update based on ticker) | ||
| Performance tracking | — | |
| View your fund fees and the dollar amounts you pay in fees | — | |
| View historical investment balances | — | |
| View and search historical transactions for investment accounts | — | |
| Taxes & Withdrawals | ||
| Updated tax laws annually | ||
| Takes into account your tax bracket | ||
| Takes into account taxable, tax-deferred, and tax-free accounts | ||
| Differentiates among capital gains, dividends, and interest income | ||
| Calculates Medicare premiums based on income and IRMAA rules | ||
| Allows any tax rate and inflation rate for cashflow inputs | ||
| Withdraw funds out of accounts in any order to minimize taxes | — | |
| Roth conversion scenarios and optimization | — | |
| Planning & Scenarios | ||
| Updated Social Security rules annually | ||
| Income planning analysis | ||
| Monte Carlo analysis | ||
| Net worth statement | ||
| Scenario capabilities that show what happens when multiple assumptions change | ||
| Input any cashflows, such as home sale, rental income, insurance proceeds, etc. | ||
| Allows any non-recurring expenses, such as college for children, vacation home, etc. | ||
| Allows any inflation rate for goals and non-recurring expenses | ||
| Deferred compensation: accurately model contributions, payouts, and taxes | ||
| Allows modification of multiple variables simultaneously | ||
| Life insurance planning and analysis | ||
| Scenarios and ideas to help you home in on solutions to retirement hurdles | ||
| Option for creating and saving multiple plans (add-on charge applies) | ||
| Set Monte Carlo guardrails for spending in different market conditions | — | |
| Vary projected inflation rates over time | — | |
| Long-term care insurance planning and analysis | — | |
| Bear market scenarios: see how your portfolio and plan hold up under various historical recessions | — | |
| Asset allocation scenarios | — | |
| WealthTrace AI | ||
| AI-powered answers to your questions | — | |
| Model scenarios tailored to your plan using AI | — | |
| Reports & Support | ||
| Professional report that can be exported | ||
| Option for one-on-one customized, expert software help | ||
| Email and live chat support | ||
Frequently asked questions
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Yes. WealthTrace offers a free trial so you can explore the software, start building your retirement plan, and see whether it is the right fit before subscribing. You can get started without making a long-term commitment.
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Yes. You can cancel your WealthTrace subscription anytime. There are no long-term contracts, so you can use WealthTrace for as long as it is helpful for your planning needs.
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Your subscription gives you access to WealthTrace’s retirement planning software, including detailed projections, scenario testing, investment account tracking, tax planning tools, and reports. You also have access to support resources, including help articles, tutorials, and customer support.
Take control of your retirement planning
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.
