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 monthly 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

QuantCalc plans, prices and billing — 2026
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$49one-time, yours forever · tax included	The full planner: 10,000-path runs, the optimizer suite, forecast comparison and PDF export.	Open the planner
Roth Conversion Planner	$49one-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 Season Pass	$39one-time, valid through the end of the tax season, April 30	Year-end Tax Moves for 2026: all seven moves and their combinations, with the federal, state, IRMAA and ACA effect of each, a dated action list and a PDF plan; and the 2026 Return Preview, your federal and state return line by line. Includes the full planner until the pass ends.	See the season pass
Advisor PRO	$129per month	A commercial license: everything in Personal PRO plus white-label client reports and the advisor workspace.	See the advisor plan

The Roth Conversion Planner includes the full Personal PRO planner license for good; the Tax Season Pass includes it until the end of the tax season, April 30. Earlier Tax Tools licences keep working.

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 twenty life events per plan — job changes, inheritances, care costs — all modelled in your result
30+ single-decision calculators on the tools hub — RMDs, IRMAA, Roth conversions, ACA, withdrawal order — all free, most computed in your browser

Open the planner →

No account. The simulation runs on our server, which does not keep your inputs after the run (privacy policy).

Personal PRO

$99$49 — one-time payment, yours forever · tax included

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
Life event impact: run your plan again with any one event removed, and see the success rate and median that event is responsible for
One payment. No renewal, no subscription.

Open the planner →

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

$49 — 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

Try the free single-year view →

The single-year conversion view is free; the multi-year plan and PDF are the paid part.

Tax Season Pass

$39 — one-time payment, valid through the end of the tax season, April 30; it does not renew

Year-end Tax Moves: a Roth conversion sized to a bracket, loss and 0% gain harvesting, bunching charity or a donor-advised fund, a QCD instead of cash, the last RMD, and the Q4 estimate
What each move does to federal tax, state tax, the IRMAA surcharge and the ACA credit, alone and combined
A dated action list and a PDF plan with the source of every line
The 2026 Return Preview: your 2026 federal and state return line by line, with a printable copy
The full Personal PRO planner until the pass ends

See the season pass →

One move and your total are free in the Year-end Tax Moves tool, and your 2026 refund or amount owed in the 2026 tax return calculator. An estimate, not tax advice.

Advisor PRO

$129 per month — monthly 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

See the advisor plan →

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 the Tax Season Pass are each a single payment with no renewal. Advisor PRO is the one recurring plan, billed monthly.
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 $49?: It is the earlier Personal PRO price, still a live product for old links. The current price is $49.
If I buy the Roth Conversion Planner or the season pass, do I also get the main planner?: Yes. The Roth Conversion Planner key unlocks the full Personal PRO planner for good. The Tax Season Pass key unlocks it, Year-end Tax Moves and the 2026 Return Preview until the end of the tax season, April 30: the first April 30 on or after the day you buy it.
Season pass or Personal PRO?: $39 covers this tax season; $49 is lifetime PRO, which includes Year-end Tax Moves and the 2026 Return Preview this season and every season after. Personal PRO, Roth Conversion Planner and Tax Tools license holders already have the season tools.
What happened to Tax Tools?: It is no longer offered on new pages. Every Tax Tools license already sold keeps working exactly as before, including the full planner, and existing links to it still work.
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?: Sales are final; the terms are written out on the refund policy page. The free tier and every free tool are there to try first.

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 planner