How much does WealthTrace cost?

Its official feature page accessed September 2, 2026 lists Standard Individual at $229 per year and Deluxe Individual at $289 per year. Add-on charges may apply to some features.

Which WealthTrace tier lists Roth conversion scenarios?

The current official feature table lists Roth conversion scenarios and optimization for Deluxe Individual, not Standard Individual.

Comparison

Meridary vs WealthTrace

WealthTrace offers tiered retirement-planning software with linked accounts and advanced analysis. Meridary offers a narrower guided model with lifetime and monthly pricing.

By Steven, Founder · Updated September 2, 2026

Short answer

WealthTrace lists Standard at $229 per year and Deluxe at $289 per year.
Deluxe adds federal income-tax and Roth-conversion scenarios; every individual tier includes core planning tools.
Meridary includes its supported tax interactions in one planner and offers a lifetime purchase.

The central difference

WealthTrace's official feature table lists Standard at $229 per year and Deluxe at $289 per year. Both include core retirement planning, account linking, annually updated tax and Social Security rules, reports, and support. Deluxe adds advanced tax, investment, historical, and Roth-conversion scenarios.

Meridary costs $149–$199 for a founding lifetime license or $12 per month. Its current model is intentionally smaller: two-earner wages, one Social Security benefit, manual accounts, and a defined set of U.S. tax and retirement interactions.

Choose WealthTrace for broader analysis and support

WealthTrace is the stronger fit when you want linked accounts, insurance analysis, detailed reports, multiple advanced scenarios, and direct product support within a tiered planning system.

Choose Meridary for a smaller model you can own

Meridary is the stronger fit when its scope covers the household you need to model, manual entry is acceptable, and you prefer a guided interface with the option to purchase lifetime access.

Check tier boundaries before comparing features

WealthTrace features differ between Standard and Deluxe, so a fair comparison must use the tier containing the analysis you intend to run. Meridary has one planner feature set across its lifetime and monthly purchase options.