MoneyGuide vs Xplan

MoneyGuide9.2Visit Xplan9.1Visit

Higher score MoneyGuide #3 in Financial Planning Software 9.2/10 Pricing on request ✓ 7 of 7 features Visit MoneyGuide

vs

Xplan #4 in Financial Planning Software 9.1/10 Pricing on request ✓ 7 of 7 features Visit Iress

• MoneyGuide fits best

  Goal-focused financial planning practices

• Xplan fits best

  End-to-end advice and practice management

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.

Side by side

Feature	MoneyGuide 9.2/10 Visit ↗	Xplan 9.1/10 Visit ↗
At a glance
Editor score	9.2	9.1
Ranking	#3 in Financial Planning Software	#4 in Financial Planning Software
Best for	Goal-focused financial planning practices	End-to-end advice and practice management
Pricing model	Paid	Paid
Starting price	Pricing on request	Pricing on request
Free plan	Not checked yet	Not checked yet
Free trial	—	—
Deployment	Cloud, Desktop, Mobile	Cloud, Mobile
Platforms	Web, Windows, macOS, iOS	Web, iOS, Android
Integrations	5 integrations	7 integrations
Features MoneyGuide 7/7 · Xplan 7/7
Cash-flow modeling	✓	✓
Goal planning	✓	✓
Tax planning	✓	✓
Scenario analysis	✓	✓
Insurance planning	✓	✓
Investment planning	✓	✓
Client portal	✓	✓
Our review
Pros	Combines goal, retirement, cash-flow, tax, insurance, and investment planning Monte Carlo simulations, stress testing, and what-if scenario analysis Advisor-client sharing, portal access, and customizable reports	Covers cash flow, goals, tax, insurance, investments, and scenario analysis Connects advice workflows with compliance, audit trails, and reporting Offers web, mobile, API, client portal, and third-party application support
Cons	Core pricing uses a contact-sales model The product is proprietary rather than open source Named integrations center on five listed financial platforms	Pricing requires direct contact with sales Capabilities and integrations vary by country, module, and deployment Its broad scope may exceed the needs of narrowly focused planning teams
Our verdict	MoneyGuide is financial planning software from Envestnet MoneyGuide for financial advisors and their clients. Its scope covers goal-based planning for single or multiple goals, retirement and lifetime-income planning, cash flow, taxes,… Read the review →	Xplan is financial planning and wealth management software from Iress for financial advice practices, ranging from small independent firms to large networks. It supports the advice lifecycle from client discovery and current-position… Read the review →

Strengths and trade-offs

• MoneyGuide — where it wins

  • Combines goal, retirement, cash-flow, tax, insurance, and investment planning
  • Monte Carlo simulations, stress testing, and what-if scenario analysis
  • Advisor-client sharing, portal access, and customizable reports

  Where it doesn't

  • Core pricing uses a contact-sales model
  • The product is proprietary rather than open source
  • Named integrations center on five listed financial platforms

• Xplan — where it wins

  • Covers cash flow, goals, tax, insurance, investments, and scenario analysis
  • Connects advice workflows with compliance, audit trails, and reporting
  • Offers web, mobile, API, client portal, and third-party application support

  Where it doesn't

  • Pricing requires direct contact with sales
  • Capabilities and integrations vary by country, module, and deployment
  • Its broad scope may exceed the needs of narrowly focused planning teams

• MoneyGuide9.2/10 · Pricing on request

  A broad planning suite for advisors managing goals, retirement, tax, insurance, and investment scenarios.

  Visit MoneyGuideFull verdict →
• Xplan9.1/10 · Pricing on request

  A broad advice-practice platform spanning planning, workflows, investments, compliance, and client engagement.

  Visit IressFull verdict →