Comprehensive retirement planning software

Take the guesswork out of planning for retirement. WealthTrace gives the most accurate financial projections and allows you to monitor your investment holdings, performance, transactions, and fees.

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Financial empowerment is here.

Retirement planning made easy

Monitor investments and net worth

Run powerful scenarios

Industry-best support from financial experts

Discover why so many trust WealthTrace with their retirement planning.

best retirement planning software

Take Control

Don't leave your retirement up to chance. With WealthTrace, you can take control of your retirement and find out if you have the funds to retire comfortably--and what you can do to change your financial situation. 

financial planning for retirement

All of Your Accounts in One Place

Link all of your investment accounts so you can track and monitor your balances and holdings. Your accounts will update every day, allowing you to track performance, transactions, fund fees, investment balances, and more. Your data is safe and secure using the latest security measures. 

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.

investment monitoring and aggregation

Instant Feedback

Watch financial projections change in real time as you change your assumptions. Get instant feedback on changing savings rates, retirement dates, expenses, withdrawal order, and many other assumptions. Easily find out your optimal withdrawal rate and how much you need to save for retirement. WealthTrace works on any device and all browsers.

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Accurate

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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History & Performance Data

View historical balances and performance for your accounts and their holdings. See the sources and amount of income for all of your accounts. View fee and turnover information for the funds you own so you can quickly find out if you are paying too much in fees or generating large tax liabilities due to too much turnover.

view historical data for investments

Powerful Scenarios

Run Monte Carlo simulations on your plan to find out the probability of meeting all of your spending goals. View multiple before and after results and quickly piece together the solution to overcome any hurdles that might stand in the way of your retirement goals.

Find out what happens to your plan if we have another "great recession." Run scenarios on inflation, Social Security, retirement dates, expenses, and many other assumptions to stress-test your plan.

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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.