QuantCalc Pricing
There is a free tier that needs no account. Everything on the personal side is a one-time payment — there is no personal subscription. The only recurring plan is the annual commercial license for advisors.
Prices in US dollars. Payment is handled by Creem; a license key is emailed on purchase and activates in the app.
Every plan at a glance
| Plan | Price | What it is for | Where to start |
|---|---|---|---|
| Free | $0no account | Running your own numbers: Monte Carlo simulation at 100 paths per run, tax-aware mode, and 30+ single-decision calculators. | Open the planner |
| Personal PRO | $99$60one-time, yours forever · excl. tax where applicable | The full planner: 10,000-path runs, the optimizer suite, forecast comparison and PDF export. | Open the planner |
| Roth Conversion Planner | $99one-time | A multi-year Roth conversion plan through Medicare, with the ACA Bridge Planner and a plan PDF. | Try the free single-year view |
| Tax Tools | $39one-time | The capital-gains and tax-loss-harvesting pack: harvest analyzer, multi-year carryforward, state layer. | Open the free calculator |
| Advisor PRO | $249per year | A commercial license: everything in Personal PRO plus white-label client reports and the advisor workspace. | See the advisor plan |
The Roth Conversion Planner and Tax Tools each include the full Personal PRO planner license, so buying either one also unlocks the main app.
What each plan includes
Free
$0 — no account, nothing to cancel
- Monte Carlo retirement simulation at 100 paths per run, with a daily run cap; the app shows how many runs you have left today
- Tax-aware simulation, including your projected lifetime tax total and a three-year schedule preview
- Every core chart and percentile view
- Multi-period asset allocation, forward-looking forecast data from six published capital market expectation sets, and Social Security modeling
- Up to two life events per plan
- 30+ single-decision calculators on the tools hub — RMDs, IRMAA, Roth conversions, ACA, withdrawal order — all free, all in-browser
Nothing is uploaded; the simulation inputs stay in your browser.
Personal PRO
$99$60 — one-time payment, yours forever · excl. tax where applicable
- 10,000-path Monte Carlo runs instead of 100
- The optimizer suite: portfolio, glide-path and withdrawal-order optimizers
- Side-by-side comparison of the forward-looking forecasts
- PDF report export
- Up to twenty life events per plan
- One payment. No renewal, no subscription.
Upgrade from inside the app — run your own plan first, then unlock it. Already have a key? Enter it at activate. Refund terms are on the refund policy page.
Roth Conversion Planner
$99 — one-time payment
- A year-by-year Roth conversion plan from today through Medicare, next to the do-nothing comparison
- The ACA Bridge Planner: a conversion and withdrawal-order path that stays under your chosen subsidy ceiling before Medicare
- State income tax across all 51 jurisdictions and the IRMAA two-year lookback for households at 63 and over
- A downloadable plan PDF you can take to a CPA
- Includes the full Personal PRO planner license
The single-year conversion view is free; the multi-year plan and PDF are the paid part.
Tax Tools
$39 — one-time payment
- Full Schedule D netting with a wash-sale checker and 0% bracket headroom
- The harvest analyzer: whether a given loss is worth taking
- Multi-year carryforward projection
- The state tax layer on capital gains for your selected jurisdiction
- Includes the full Personal PRO planner license
The federal netting and gain calculation are free; the analyzer, projection and state layer are the paid part.
Advisor PRO
$249 per year — annual commercial license
- Everything in Personal PRO
- Client-facing PDF reports with a “Prepared for [Client]” header
- White-label reports carrying your firm name and logo
- Side-by-side forecast comparison across six capital market expectation sets, and five pre-built scenario templates
- A saved-plan workspace that runs in your browser
- The four-page methodology supplement you can hand a client
- A commercial license covering use with clients
Sample outputs are downloadable on the advisor page before you buy.
Pricing questions
- Is there a monthly subscription?
- Not for personal use. Personal PRO, the Roth Conversion Planner and Tax Tools are each a single payment with no renewal. Advisor PRO is the one recurring plan, billed annually.
- Do I need to pay to try it?
- No. The free tier runs the full simulation engine at 100 paths per run, and every calculator on the tools hub is free. Nothing asks for an account or a card.
- What is the $99 next to the $60?
- It is the earlier Personal PRO price, still a live product for old links. The current price is $60.
- If I buy the Roth Conversion Planner or Tax Tools, do I also get the main planner?
- Yes. Both license keys unlock the full Personal PRO planner in the app as well as their own tool.
- How is the license delivered?
- Checkout runs on Creem. A license key is emailed immediately and you paste it into the app, or open the activation link. If a key does not arrive, the activation page is the place to start.
- Can I get a refund?
- Yes — the terms are written out on the refund policy page.
Start with the free tier
Run your own retirement plan first — taxes, healthcare, life events and 51-state modeling, across thousands of possible futures. Upgrade later from inside the app if you want the full picture.
Open the plannerRelated: all free calculators · methodology · tax methodology FAQ · for advisors · refund policy.