RightCapital review
A broad advisor platform spanning planning, analysis, collaboration, and client access.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
RightCapital is financial planning software for financial advisors and their clients. It brings retirement, cash-flow, tax, investment, insurance, estate, education, debt, student-loan, business, and budgeting workflows into one product. Advisors can model current and proposed plans, compare what-if scenarios, analyze investments and taxes, create client-facing summaries, and collaborate through a client portal with plan sharing, tasks, and a document vault. It is aimed at advisory firms that want broad planning coverage rather than a tool focused on a single planning area.
Pricing is organized into four tiers. Basic costs $149.95 per advisor per month and includes retirement, tax, insurance, investment, estate, and college planning. Premium costs $209.95 per advisor per month and adds account aggregation, budgeting tools, Tax Analyzer, the Iris AI planning agent, and risk assessment. Platinum costs $254.95 per advisor per month and adds team collaboration, custom asset classes, enhanced investment return settings, firm-level assumptions and data models, and RightFlows workflows. Enterprise adds team coordination, API access, firm-level templates and controls, and compliance tracking, with pricing handled through sales. All plans require an annual commitment for the first year, while a 14-day free trial is available.
The product’s main strength is breadth: probability-of-success retirement analysis, cash-flow projections, tax strategies and Roth conversion modeling, investment allocation and holdings analysis, insurance analysis, education funding, and client-facing access are all represented. Web access is complemented by client-facing iOS and Android apps. That scope makes RightCapital a strong fit for advisors who need connected planning across many client needs and can support a paid annual commitment. Firms seeking team controls, APIs, or firm-level models will need Platinum or Enterprise. Advisors wanting only a narrow planning function may find this broad feature set and tier structure more than they need.
RightCapital pros and cons
- Where it wins
- Covers retirement, tax, investment, insurance, estate, and college planning
- Adds cash-flow projections, scenarios, aggregation, budgeting, and risk assessment
- Client portal, document vault, and iOS and Android apps support collaboration
- Where it doesn't
- No free plan; paid plans require an annual first-year commitment
- Starting price is $149.95 per advisor per month
- Enterprise pricing requires contacting sales
RightCapital fact sheet, pricing and score →
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