Comparison
Meridary vs WealthTrace
Both are serious planners. WealthTrace goes deep on an annual subscription at the top of the category's price range; Meridary keeps it legible and charges once. Here's how to choose.
By Steven, Founder · Updated July 24, 2026
The core trade-off
WealthTrace is detailed — granular projections, Monte Carlo, optional aggregation — but it's among the priciest annual subscriptions in the category, and it reserves scenario tools like Roth-conversion analysis for its higher tier.
Meridary is a one-time lifetime license with Roth-conversion effects in the core planner, and it narrows depth on purpose so the answer stays legible. It trades WealthTrace's granularity for a clearer picture you own outright.
Pick WealthTrace if…
You want its depth and granular detail, you want optional account aggregation, and an annual subscription — with Roth analysis on the higher tier — is acceptable.
Pick Meridary if…
You want a clear, correct “will my money last” answer with Roth-conversion effects included, owned for a single price, without a recurring bill or a learning curve.
Where they agree
Both run a year-by-year projection with Monte Carlo and model Roth conversions and RMDs. The difference is depth-versus-legibility, and rent-versus-own.
Meridary vs WealthTrace, at a glance
| Feature | Meridary | WealthTrace |
|---|---|---|
| Best for | A legible answer you own outright | Maximal granular detail |
| Cost over 10 years | One payment ($149–$199) | Ten annual bills, at the category's high end |
| Own vs rent | Lifetime license — yours to keep | Access ends when the subscription lapses |
| Learning curve | Minimal — legible by design | Steeper — depth over legibility |
| Monte Carlo | Seeded, percentile fan | Yes — detailed |
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Frequently asked
- Is Meridary cheaper than WealthTrace?
- Over any real horizon, yes — Meridary is a one-time license ($149–$199), while WealthTrace bills every year at the high end of the category.
- Does Meridary include Roth-conversion analysis?
- Yes — it's part of the core planner, not a higher-priced tier. WealthTrace reserves Roth-conversion scenarios for its Deluxe tier.
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This is an educational estimate, not tax or financial advice. Figures reflect the law year shown and the inputs you provide. Consult a qualified professional before acting.