The Best Financial Planning Software in 2026
We researched financial planning software from official websites, including pricing pages, plan tables and product documentation. Products are ranked on their core planning job, value for money and verified features for modeling cash flow, goals, taxes, insurance, investments and long-term scenarios.
Our top picks
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Top ranked
RightCapital#1 of 349.4/10A broad advisor platform spanning planning, analysis, collaboration, and client access.
14-day trial
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Runner-up
eMoney Advisor#2 of 349.3/10A broad planning suite for advisory firms that need client collaboration and analysis.
Pricing on request
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Lowest paid price in the top 10
Voyant#10 of 348.5/10Sophisticated holistic modeling for advisers managing complex financial situations.
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 34 tools, best first
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Best forAdvisors wanting comprehensive modern planning
A broad advisor platform spanning planning, analysis, collaboration, and client access.
- Insurance planning
- Tax planning
- Client portal
9.4/10★★★★★Visit RightCapital -
Best forFull-service advisory firms
A broad planning suite for advisory firms that need client collaboration and analysis.
- Insurance planning
- Tax planning
- Client portal
9.3/10★★★★★Visit eMoney Advisor -
Best forGoal-focused financial planning practices
A broad planning suite for advisors managing goals, retirement, tax, insurance, and investment scenarios.
- Insurance planning
- Tax planning
- Client portal
9.2/10★★★★★Visit MoneyGuide -
Best forEnd-to-end advice and practice management
A broad advice-practice platform spanning planning, workflows, investments, compliance, and client engagement.
- Insurance planning
- Tax planning
- Client portal
9.1/10★★★★★Visit Iress -
Best forAdvisors needing advanced planning depth
Deep advisor planning with retirement, tax, insurance, and Monte Carlo analysis.
- Insurance planning
- Tax planning
- Client portal
9.0/10★★★★☆Visit NaviPlan -
Best forOrion-integrated wealth management teams
A broad planning platform for wealth teams centered on the Orion ecosystem.
- Insurance planning
- Tax planning
- Client portal
8.9/10★★★★☆Visit Orion Planning -
Best forUK advisers focused on suitability and investments
A broad advice workflow combining cash flow, investments, suitability and client engagement.
- Client portal
- Goal planning
- Investment planning
8.8/10★★★★☆See Dynamic Planner -
Best forEnterprise firms needing auditable planning
Enterprise planning with auditable recommendations, scenario analysis and firm-wide oversight.
- Insurance planning
- Tax planning
- Client portal
8.7/10★★★★☆Visit Conquest -
Best forUK advisers needing deep tax and risk analysis
A deep UK-focused toolkit for tax, risk, cash flow and investment analysis.
- Tax planning
- Goal planning
- Investment planning
8.6/10★★★★☆Visit EValue -
Best forAdvisers needing sophisticated holistic modeling
Sophisticated holistic modeling for advisers managing complex financial situations.
- Insurance planning
- Tax planning
- Client portal
8.5/10★★★★☆Visit Voyant -
Best forUK advisers needing cash-flow and integrations
A broad cash-flow and retirement planning platform with useful adviser integrations.
- Tax planning
- Client portal
- Goal planning
8.4/10★★★★☆Visit FinCalc -
Best forUK advisers prioritizing cash-flow planning
A cash-flow-led planning suite with tax-aware modelling, stress tests and client tools.
- Insurance planning
- Tax planning
- Client portal
8.3/10★★★★☆Visit FE CashCalc -
Best forAdvisors seeking tax modeling and AI document import
Tax modeling, AI document import, and client tools come at an annual-billed price.
- Insurance planning
- Tax planning
- Client portal
8.2/10★★★★☆Try Foundry Planning -
Best forUK advisers focused on cash-flow reviews
A UK-focused planning tool with detailed cash-flow, tax and scenario modelling.
- Tax planning
- Client portal
- Investment planning
8.1/10★★★★☆Visit Timeline -
Best forEstablished firms wanting guided planning workflows
Broad advisor planning workflows with a substantial annual per-user cost.
- Insurance planning
- Tax planning
- Client portal
8.0/10★★★★☆Visit Moneytree -
Best forBudget-conscious retirement planners
A paid retirement planner with detailed modeling, scenarios, and withdrawal optimization.
- Scenario analysis
7.9/10★★★★☆Visit MaxiFi -
Best forIndividuals planning retirement on a budget
A budget-friendly retirement planner with detailed projections and scenario analysis.
- Scenario analysis
7.8/10★★★★☆Visit Boldin -
Best forDIY planners wanting free scenario modeling
A capable free-to-start planner for DIY users comfortable entering data manually.
- Scenario analysis
7.6/10★★★★☆Visit ProjectionLab -
Best forUK households planning retirement on a budget
A low-cost UK planning tool with strong tax, cash-flow and withdrawal analysis.
- Scenario analysis
7.5/10★★★★☆Visit Scenarios -
Best forCanadian planners needing low-cost tax modeling
Low-cost Canadian tax and retirement modeling with scenario analysis and advisor sharing.
- Tax planning
- Client portal
- Investment planning
7.4/10★★★★☆Visit MyOwnFP -
Best forIndividuals needing detailed retirement analysis
Detailed retirement analysis with tax, benefits, withdrawal, and scenario modeling.
- Scenario analysis
7.3/10★★★★☆Visit WealthTrace -
Best forAdvice practices needing workflow breadth
Broad planning, modelling and practice workflows for advice teams.
- Insurance planning
- Tax planning
- Client portal
7.2/10★★★★☆Visit AstuteWheel -
Best forCanadian households seeking a free financial plan
A free household planning service that pairs projections and recommendations with advisor access.
- Insurance planning
- Tax planning
- Client portal
7.1/10★★★★☆Visit Planswell -
Best forTeams wanting low-cost collaborative planning
A low-cost collaborative planning tool with modeling, aggregation, permissions, and reporting.
- Insurance planning
- Tax planning
- Client portal
7.0/10★★★★☆Visit PlanTechHub -
Best forAdvisers wanting AI-assisted holistic planning
A broad planning workspace for advisers who want AI assistance and client delivery tools.
- Insurance planning
- Tax planning
- Client portal
6.9/10★★★☆☆Visit Kerdora -
Best forAdvisers wanting AI-assisted wealth construction
AI-assisted lifecycle planning and total-wealth construction for RIAs and family offices.
- Insurance planning
- Goal planning
- Investment planning
6.8/10★★★☆☆Visit Libretto -
Best forFirms focused on financial-health monitoring
A focused financial-health platform for advisory firms, with monitoring, reporting, and client workflows.
- Client portal
6.7/10★★★☆☆Visit Elements -
Best forAdvisers needing collaborative wealth administration
A collaborative wealth administration portal with broad advice workflow coverage.
- Tax planning
- Client portal
- Goal planning
6.6/10★★★☆☆Visit myprosperity -
Best forClients needing a simple financial roadmap
A focused web platform for building client roadmaps, scenarios, and financial milestones.
- Insurance planning
- Goal planning
- Cash-flow modeling
6.5/10★★★☆☆Visit Finjaro -
Best forIndividuals tracking wealth and retirement goals
Broad personal planning with free access and advisor sharing, but no tax or insurance planning.
- Client portal
- Goal planning
- Investment planning
6.4/10★★★☆☆Visit MyPlan -
Best forAdvisors needing risk profiling rather than full planning
A focused risk-profiling platform for advisors, not a complete financial-planning suite.
- Client portal
- Goal planning
- Investment planning
6.3/10★★★☆☆Visit Pocket Risk -
Best forBeginners wanting automated goal investing
A focused choice for automated investing, goal tracking, and retirement planning.
6.2/10★★★☆☆Visit Betterment -
Best forSmall businesses building financial forecasts
A focused web tool for building business plans and financial forecasts.
- Cash-flow modeling
- Scenario analysis
6.1/10★★★☆☆Visit LivePlan -
Best forSolo freelancers forecasting income and managing projects
A freelancer-focused mix of income forecasting and project operations, not full financial planning.
- Goal planning
- Cash-flow modeling
6.0/10★★★☆☆Visit Cushion
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Cash-flow modeling | Goal planning | Tax planning | Scenario analysis | Score |
|---|---|---|---|---|---|---|---|---|
| 1 | RightCapital | No | $149.95/mo | Yes | Yes | Yes | Yes | 9.4 |
| 2 | eMoney Advisor | Yes | Yes | Yes | Yes | 9.3 | ||
| 3 | MoneyGuide | Yes | Yes | Yes | Yes | 9.2 | ||
| 4 | Xplan | Yes | Yes | Yes | Yes | 9.1 | ||
| 5 | NaviPlan | Yes | Yes | Yes | Yes | 9.0 | ||
| 6 | Orion Planning | Yes | Yes | Yes | Yes | 8.9 | ||
| 7 | Dynamic Planner | No | £8/yr | Yes | Yes | Yes | 8.8 | |
| 8 | Conquest | No | Yes | Yes | Yes | Yes | 8.7 | |
| 9 | EVPro | Yes | Yes | Yes | Yes | 8.6 | ||
| 10 | Voyant | No | $3/mo | Yes | Yes | Yes | Yes | 8.5 |
| 11 | FinCalc | Yes | Yes | Yes | Yes | 8.4 | ||
| 12 | FE CashCalc | No | £75/user/mo | Yes | Yes | Yes | Yes | 8.3 |
| 13 | Foundry Planning | No | $166/mo | Yes | Yes | Yes | Yes | 8.2 |
| 14 | Timeline | No | £142/mo | Yes | Yes | Yes | 8.1 | |
| 15 | Moneytree | No | $1,195/user/yr | Yes | Yes | Yes | Yes | 8.0 |
| 16 | MaxiFi | No | $109/yr | Yes | 7.9 | |||
| 17 | Boldin | Yes | $144/yr | Yes | 7.8 | |||
| 18 | ProjectionLab | Yes | $129/yr | Yes | 7.6 | |||
| 19 | Scenarios | Yes | £6/mo | Yes | 7.5 | |||
| 20 | MyOwnFP | Yes | $40/yr | Yes | Yes | Yes | 7.4 | |
| 21 | WealthTrace | No | $229/yr | Yes | 7.3 | |||
| 22 | AstuteWheel | No | Yes | Yes | Yes | Yes | 7.2 | |
| 23 | Planswell | Yes | Free | Yes | Yes | Yes | Yes | 7.1 |
| 24 | PlanTechHub | Yes | Yes | Yes | Yes | Yes | 7.0 | |
| 25 | Kerdora | No | $199/mo | Yes | Yes | Yes | Yes | 6.9 |
| 26 | Libretto | Yes | 6.8 | |||||
| 27 | Elements | Yes | $149/mo | 6.7 | ||||
| 28 | myprosperity | Yes | $279/mo | Yes | Yes | Yes | 6.6 | |
| 29 | Finjaro | No | Yes | Yes | Yes | 6.5 | ||
| 30 | MyPlan | Yes | Yes | Yes | No | Yes | 6.4 | |
| 31 | Pocket Risk | No | No | Yes | No | No | 6.3 | |
| 32 | Betterment | Yes | $5/mo | 6.2 | ||||
| 33 | LivePlan | Yes | $15/mo | Yes | No | Yes | 6.1 | |
| 34 | Cushion | No | $10/mo | Yes | Yes | No | No | 6.0 |
Head-to-head All 28 comparisons →
- RightCapital vs eMoney Advisor
- RightCapital vs MoneyGuide
- RightCapital vs Xplan
- RightCapital vs NaviPlan
- RightCapital vs Orion Planning
- RightCapital vs Dynamic Planner
- RightCapital vs Conquest
- eMoney Advisor vs MoneyGuide
- eMoney Advisor vs Xplan
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How we rank financial planning software
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update