Moneytree review
Broad advisor planning workflows with a substantial annual per-user cost.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Moneytree is financial planning software for financial advisors and advisory firms that need structured workflows for modeling client goals, income, expenses, assets, liabilities, taxes, and retirement outcomes. Its scope spans goals-based and cash-flow-based planning, retirement and tax calculations, investment and asset modeling, what-if scenarios, Monte Carlo analysis, client data gathering, reports, and advisor-client collaboration. Cloud-based access is available through the web, with an API also provided. The product is aimed more at established practices than at firms seeking a low-cost entry point.
Pricing is organized around three tiers. Essential costs $1,195 per user per year, billed annually, and includes goals-based planning, retirement planning, tax planning, Social Security optimization, a client portal, and Monte Carlo analysis. Elite costs $2,195 per user per year and adds cash-flow-based planning, business ownership analysis, rental real estate planning, advanced estate planning, and a Roth conversion calculator. Enterprise adds onboarding and implementation, enterprise-level support, firm-wide planning standardization, dedicated support resources, scalable licensing options, and system training; its pricing is handled through contact with sales. A 14-day evaluation is available, while the product remains paid rather than free.
The strongest fit is for advisory firms that want guided data entry, automated onboarding, client portals, client-ready reports, and an audit trail within one planning workflow. The tier structure also gives firms a path from core goals and retirement work to broader cash-flow, estate, business, and real-estate analysis. Platform fit is focused rather than expansive: Wealthbox CRM is the listed integration, and the product is not open source. Firms that need a broader integration ecosystem, a free plan, or a lower annual per-user commitment should look elsewhere. Moneytree suits teams willing to pay for a wide planning feature set and, at the Enterprise level, standardized processes across the firm.
Moneytree pros and cons
- Where it wins
- Covers goals, retirement, tax, investment, scenario, and Monte Carlo planning
- Client portal, guided data entry, onboarding, reports, and audit trail
- Enterprise tier supports firm-wide standardization and system training
- Where it doesn't
- No free plan; Essential starts at $1,195 per user per year
- Cash-flow-based planning and advanced analysis require the Elite tier
- The listed integration is limited to Wealthbox CRM
Moneytree fact sheet, pricing and score →
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