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.

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retirement planning software comparison

Meridary vs WealthTrace

WealthTrace offers tiered retirement-planning software with linked accounts and advanced analysis. Meridary helps you compare savings and spending scenarios to explore when retirement may be possible.

By Steven, Founder · Updated October 14, 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 combines its supported tax interactions with retirement-age, savings, and spending scenarios; results are estimates, not advice.

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 compares year-by-year projections to show how changes in savings, spending, and retirement timing affect a modeled plan. It supports two-earner wages, one Social Security benefit, manual accounts, and a defined set of U.S. tax and retirement interactions. It costs $149–$199 for a founding lifetime license or $12 per month.

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.

Consider Meridary to explore when you might retire

Meridary fits when you want to compare retirement dates and savings or spending assumptions, and its model covers your household. You can choose a planning confidence target and inspect the earliest modeled retirement age that meets it, if any. That estimate is not a promise of future results. Meridary does not link accounts or include WealthTrace's insurance analysis, exportable planning-report suite, or full Deluxe scenario set.

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. WealthTrace details reflect the cited source access dates; check its latest terms before buying.