At a glance
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Killion is planning and simulation software with read-only account linking. WealthTrace is described below in its own terms. Where a figure is quoted it comes from the vendor's published pricing and was checked on the date shown.
| Killion | WealthTrace | |
|---|---|---|
| Individual price | $14/mo, or $11/mo billed annually ($132/yr). Max tier $24/mo or $19/mo annually. | Standard $229/year; Deluxe $289/year. |
| Account linking | Read-only brokerage and crypto linking via SnapTrade. Cash and bank balances are entered manually while automatic bank linking moves to a new provider. | Yes — published import and link of investment accounts. |
| Simulation method | 1,000-path regime-switching Monte Carlo with fixed seeds, so a run reproduces. | Monte Carlo analysis of the plan. |
| Tax / Roth tools | Opt-in tax estimates on paid plans: federal and state income tax on every simulated year, RMDs, Roth conversions with a rule-by-rule comparison, Social Security taxation, IRMAA and ACA credits. Estimates for planning, not tax advice. | Roth conversions and taxes are listed in the product copy. |
WealthTrace details checked on against the WealthTrace prices. Vendors change prices; verify before deciding.
When an alternative is honest
A WealthTrace alternative that pretends to do Roth conversions is a lie. This page does not. The vs page is the fact table; this page is the query “WealthTrace alternative.”
Which one to choose
Choose Killion if
- You want the methodology page, the seed, and nine named withdrawal calculators.
- You want to try the engine with no signup.
Choose WealthTrace if
- You want tax tools with a longer track record than Killion’s, which launched in October 2026.