At a glance
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. Advisor $1,049/year (or $315/quarter). Published on the vendor prices page. |
| Free entry point | Live no-signup Monte Carlo demo on a fictional household, plus a 5-day free trial of the full product. Card required for the trial; no charge until it ends. | No permanently free plan listed on the prices page. The product is sold as unlimited-use annual software. |
| 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. | Import and link investment (and, on published feature copy, bank) accounts. Advisor tier names Yodlee for client accounts. |
| Simulation method | 1,000-path regime-switching Monte Carlo with fixed seeds, so a run reproduces. | Monte Carlo analysis of the plan, with a published probability of meeting spending goals. |
| Historical backtesting | Historical backtesting against real market data going back to 1928. | Not listed as a named feature on the prices page. |
| Withdrawal rules | Nine named rules: fixed real dollar, fixed percentage, Guyton-Klinger, Vanguard dynamic, endowment smoothing, VPW, CAPE-based, risk-based guardrails, and Merton. | Withdrawals are part of the plan; named consumer-rule calculators are not the product. |
| AI assistant | Built-in AI assistant with access to your connected holdings and plan. | WealthTrace AI is listed as helping interpret projections, cash flows, taxes, Roth conversions and Monte Carlo results. |
| Human advice | None. Killion is software; it is not a registered investment adviser. | Software for individuals, plus an advisor tier. Deluxe lists expert one-on-one support as an option. |
WealthTrace details checked on against the WealthTrace prices. Vendors change prices; verify before deciding.
Why this comparison exists
Most “retirement planning software” comparisons pit Killion against ProjectionLab or Boldin. WealthTrace is the closer positional match: it links accounts, it updates holdings, and it runs Monte Carlo on the resulting plan. The public prices page (Standard $229 / Deluxe $289 / Advisor $1,049 per year, checked 15 August 2026) is the source for every figure in the table.
Account linking, said plainly
Both products treat linked holdings as an input to the simulation, not a novelty. Killion’s connections are read-only through SnapTrade; cash is currently entered by hand. WealthTrace publishes account import and linking, including Yodlee on the advisor tier. Neither fact is a reason to build a standalone “account linking” landing page — that SERP is vendor-hostile. It is a reason to put the argument here.
Which one to choose
Choose Killion if
- You want the engine specified — regimes, seed, 1,000 paths — not only a success percentage.
- You want a public withdrawal-rule laboratory (VPW, CAPE, Guyton-Klinger) in addition to the paid plan.
- You want a lower annual price and a live no-signup demo before you pay.
Choose WealthTrace if
- You need Roth conversion and tax sequencing inside the planner. Killion does not model taxes.
- You want a dedicated what-if / Monte Carlo planner that has been in this category longer.
- You are an advisor looking for a client-facing tier at the published advisor price.