WealthTrace review
Detailed retirement projections and tax scenarios, starting at $229 per year.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
WealthTrace brings retirement income planning, investment projections and tax analysis into a web-based tool for individuals, advisors and employers. It models income, expenses, investment balances, taxes, Social Security benefits and retirement outcomes. People who want to compare retirement scenarios or examine how taxes and withdrawal choices affect projections will find its broad planning scope relevant; it may be more than needed for someone seeking only a basic savings calculator.
The planning depth is a central strength. Users can link investment and bank accounts through Yodlee or Plaid, or enter holdings manually, then run Monte Carlo analysis and compare what-if scenarios. The software also covers Social Security benefit rules, Medicare and IRMAA, Roth conversions, and customizable withdrawal order and account-use rules. Historical investment balances, performance, transactions, fees and turnover can inform the analysis, and financial-planning reports can be exported. Account linking imports or updates data; it is read-only, not a way to make changes to linked accounts.
According to the vendor's pricing page, Individuals: Standard costs $229 per year and includes unlimited use, Monte Carlo analysis, what-if scenarios, linked investment accounts, and email and live chat support. Individuals: Deluxe is $289 per year and adds historical investment data, Roth conversion scenarios and asset allocation scenarios. The Advisor plan costs $1,049 per year and includes a client portal, online fact finder, model portfolios and customized reports, alongside Monte Carlo analysis and client account linking using Yodlee. The annual individual entry price is a substantial commitment for personal planning, so WealthTrace is better suited to people who will use its connected-account and detailed tax features than to those who need a simpler, lower-cost tool.
WealthTrace pros and cons
- Where it wins
- Projects income, expenses, investments, taxes and Social Security benefits
- Combines Monte Carlo analysis with what-if and multi-variable scenarios
- Supports linked or manually entered accounts and customizable withdrawals
- Where it doesn't
- Individual plans start at $229 per year, billed annually
- Linked accounts are read-only rather than editable through WealthTrace
- Web-only access may not suit people seeking a desktop or mobile app
WealthTrace fact sheet, pricing and score →
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update