How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- eMoney Advisor leads for detailed cash flow planning and complex client cases, while MoneyGuidePro leads for goal based planning that clients grasp quickly in meetings.
- RightCapital offers a strong balance of planning depth, tax tools and modern client experience at a lower entry price than eMoney for many independent firms.
- Income Lab stands out for retirement income planning, because it answers how much a client can spend each month and tracks that amount over time.
- Holistiplan is a specialist tax tool, not a full planning platform, so it works best alongside a main planning system rather than instead of one.
- Pricing is often quote based for larger firms, so compare total cost per advisor, including add ons, aggregation and client portal features, before you sign.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 eMoney Advisor | Complex cash flow planning | See website | No |
 MoneyGuidePro | Goal based planning | See website | No |
 RightCapital | Independent firms that want balance | $149.95 per advisor per month | Free trial |
 Advyzon | Firms that want planning inside a wider platform | See website | Free trial |
 Income Lab | Retirement income planning | $199 per month | Free trial |
 Holistiplan | Tax planning and analysis | $749 per year | Free trial |
 Asset-Map | Visual client financial picture | See website | Free trial |
 Conquest Planning | Flexible, scenario based planning | See website | No |
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The best financial planning software for financial advisors
Starting priceSee website
Free planNo
eMoney Advisor is the planning system many large firms choose when client cases are complex. It handles detailed cash flow, multiple goals, estate considerations and investment analysis in one plan, and the client portal gives clients a clear view of accounts and progress between meetings. For advisors who serve high net worth clients, that depth is often the deciding factor.
The cost and learning curve are the honest limits. eMoney does not publish a simple list price, and total cost rises with users and add ons, so smaller firms should get a full quote before they assume it fits. New advisors should also budget training time, because the same flexibility that helps complex cases can slow down a simple plan if the team is not trained.
What we like- Detailed cash flow modeling and scenario analysis
- Strong client portal and aggregation
- Wide integrations with custodians and CRM systems
Watch out for- Pricing is quote based and often high
- Depth can mean a longer learning curve for new advisors
- Some firms pay for features they rarely use
Starting priceSee website
Free planNo
MoneyGuidePro, from Envestnet, takes a different path from eMoney. It centers the plan on client goals, shows the probability of reaching each goal, and lets advisors test changes live in a meeting. That clarity helps clients who feel lost in a dense cash flow report, and it helps advisors move from analysis to decisions in the same conversation.
The trade off is depth in certain complex cases. Advisors who need highly detailed cash flow modeling for business owners or complex estates may find eMoney or Conquest more flexible. MoneyGuidePro still fits a wide range of firms, especially those that lead with retirement and goal planning, but confirm tier features and pricing for your firm size first.
What we like- Clear goal based workflow that clients follow in meetings
- Probability analysis for retirement and other goals
- Strong adoption across US advisory firms
Watch out for- Pricing is quote based and varies by firm
- Cash flow detail is less granular than eMoney for some cases
- Some advanced features sit in higher tiers
#3RightCapital
Best for: Independent firms that want balance4.6/5 on
G2 (14 reviews, checked Oct 2026)
Visit rightcapital.com
Starting price$149.95 per advisor per month
Free planFree trial
RightCapital has grown quickly among independent and younger firms, and the reason is balance. It offers real planning depth, including tax aware Roth conversion analysis, without the dated interface or opaque pricing that frustrate advisors on older platforms. The client experience is clean, which helps with adoption, and published pricing makes budgeting easier for a solo advisor or small firm.
RightCapital is not the best fit for every complex case. Firms with highly specialized estate or business planning needs should test those cases during the trial, and firms with many clients should model the higher tiers. For most independent practices, though, it offers a strong mix of depth, usability and price.
What we like- Modern interface that clients and advisors learn quickly
- Tax planning and Roth conversion tools
- Published retail pricing for smaller firms
Watch out for- Pricing rises with client count and tier
- Very complex estate cases may need a deeper tool
- Some integrations are thinner than eMoney
#4
Advyzon
Best for: Firms that want planning inside a wider platform
Visit advyzon.com
Starting priceSee website
Free planFree trial
Advyzon suits firms that are tired of stitching together separate tools for planning, portfolio management, billing and CRM. When planning sits inside the same platform as client data and billing, advisors spend less time re entering information and more time in client conversations. That integration is the main reason firms switch to Advyzon.
The catch is that Advyzon is a platform, not a planning only tool. If you only need planning, you may pay for breadth you do not use, and if you already love a specialist planning tool, you may find Advyzon planning less deep in some areas. Evaluate it as a platform replacement, not as a like for like swap for eMoney or MoneyGuidePro.
What we like- Planning alongside portfolio management, billing and CRM in one platform
- Useful for firms that want fewer separate systems
- Modern interface
Watch out for- Planning depth varies by add on and tier
- Firms that only need planning may pay for a wider platform
- Migration from a specialist tool takes planning
Starting price$199 per month
Free planFree trial
Income Lab answers the question retirees ask most directly: how much can I spend each month, and will that amount hold up over time. Instead of only showing a probability score, it gives a monitored dollar amount and tracks changes as markets, taxes and spending shift. That clarity makes retirement meetings more concrete, and it helps advisors show ongoing value between annual reviews.
The limit is scope. Income Lab is strongest for retirement and distribution planning, and firms that need broad accumulation, education, business and estate planning in one system will still need a main platform. Use Income Lab as your retirement income specialist, or as the main tool if retirement clients dominate your practice.
What we like- Clear monthly retirement spending amount that clients understand
- Ongoing monitoring of the income plan
- Tax and Roth conversion analysis tied to income
Watch out for- Focused on retirement income, so it is not a full planning replacement for all firms
- Pricing rises with tier
- Younger accumulation clients get less value
Starting price$749 per year
Free planFree trial
Holistiplan does one job very well: it turns a client tax return into clear, visual tax planning. Advisors can spot bracket opportunities, model Roth conversions and show clients the tax impact of decisions without building those visuals by hand. At $749 per year for a starter household tier, it is an accessible add on for many firms.
Do not buy Holistiplan expecting a full plan. It does not replace goal planning, cash flow modeling or investment analysis, so budget for it alongside your main platform. For firms that do tax aware planning each year, that pairing often pays for itself in time saved and in clearer client conversations.
What we like- Fast tax return analysis with clear client reports
- Roth conversion and tax bracket visuals
- Low entry price compared with full planning platforms
Watch out for- Not a full financial planning platform
- Needs a main planning tool for goals and cash flow
- Household limits apply on lower tiers
#7Asset-Map
Best for: Visual client financial picture4.8/5 on
G2 (129 reviews, checked Oct 2026)
Visit asset-map.com
Starting priceSee website
Free planFree trial
Asset-Map is different from the other tools here, because its strength is clarity, not calculation depth. It maps accounts, policies, income and goals on one visual page, which helps advisors run discovery meetings and helps clients see their full picture at a glance. Firms that struggle with client engagement often find that visual starting point changes the conversation.
The limit is that Asset-Map is best as a front end and engagement tool, not as the sole planning engine. Many firms pair it with eMoney, MoneyGuidePro or RightCapital for detailed projections. If you buy it alone expecting full planning, you will be disappointed, but if you use it to open planning conversations, it earns its place.
What we like- One page visual map of a client household finances
- Helps discovery meetings and client engagement
- Useful for showing gaps and priorities
Watch out for- Not a full cash flow or goal planning engine on its own
- Pricing is quote based for many firms
- Value depends on using it in meetings, not only as a report
Starting priceSee website
Free planNo
Conquest Planning appeals to firms that want modern, flexible planning without the legacy feel of older platforms. Its scenario tools let advisors test retirement ages, spending changes, tax strategies and market shocks side by side, and the workflow is designed for advisors who build plans live with clients. For firms rethinking their planning stack, it is worth a serious trial.
The honest limits are footprint and pricing transparency. Conquest is less widely adopted in the US than the top three platforms, so integration and support experience can vary, and pricing requires a quote. Test your most complex client cases during evaluation, and confirm custodian and CRM integrations before you migrate a full book.
What we like- Flexible scenario modeling with clear what if analysis
- Modern planning workflow for advisors
- Growing adoption among firms that want alternatives to legacy tools
Watch out for- Pricing is quote based
- Smaller US footprint than eMoney and MoneyGuidePro
- Integration depth varies by custodian and firm setup
How we chose
We compared planning platforms using vendor pricing pages, product documentation, and public reviews on G2, Capterra and Reddit, plus firm size fit, tax tools, client portal quality and integration coverage. We favored tools that serve US advisors today, that handle retirement, tax and goal planning in a credible way, and that publish pricing or a clear quote path. This is not financial advice, and software choice does not replace professional judgment about a client plan. Tools were left out when they were consumer only budgeting apps, when they lacked advisor planning features, or when advisor pricing could not be confirmed.
Solo advisors and small firms should weight ease of use, published pricing and client experience heavily, because there is no back office team to absorb a complex system. RightCapital and Income Lab often fit that profile, with Holistiplan as a tax add on. Larger firms should weight governance, integration, multi advisor workflows and complex case handling, which is where eMoney and MoneyGuidePro tend to lead.
Run your hardest cases in the trial
Do not judge a planning tool on a simple retirement case alone. Bring a business owner case, a couple with uneven retirement ages, a Roth conversion case and an estate heavy case to the trial, and build each one end to end. Check how long each plan takes, how clear the client report looks, and whether the numbers match your current system closely enough to trust for client meetings.
Count total cost, not headline price
Add aggregation fees, client portal costs, extra seats, tax modules and training to the headline price. A platform that looks cheaper per advisor can cost more once add ons are included, while a quote based platform can become competitive at scale. Get the full price in writing, including renewal terms, before you migrate client data.
Frequently asked questions
What is the best financial planning software for financial advisors?
There is no single best tool for every firm. eMoney leads for complex cash flow cases, MoneyGuidePro leads for goal based planning, and RightCapital offers a strong balance for independent firms. Match the tool to your client mix, firm size and planning style, and test your hardest cases before you choose.
How much does financial planning software cost for advisors?
Costs vary widely. RightCapital retail pricing starts at $149.95 per advisor per month, Income Lab starts at $199 per month, and Holistiplan starts at $749 per year for a starter tier. eMoney, MoneyGuidePro and Conquest use quote based pricing that varies by firm size, users and add ons, so request a full quote for your practice.
Is RightCapital better than eMoney?
RightCapital is often easier to learn, has a more modern client experience, and publishes pricing that suits smaller firms. eMoney offers deeper cash flow modeling and broader enterprise features for complex and high net worth cases. The better choice depends on whether your practice values ease and price or depth and enterprise scale.
Do advisors need separate tax planning software?
Many advisors pair a main planning platform with a specialist tax tool such as Holistiplan. Main platforms now include tax aware features, including Roth conversion analysis, but a specialist tool can produce clearer tax visuals and faster return analysis. If tax planning is a core service for your firm, a specialist tool is worth the added cost.
Can planning software replace an advisor?
No, planning software supports an advisor, it does not replace professional judgment. Software models assumptions, tax rules and market scenarios, but it cannot know a client full situation, values or trade offs without an advisor. Clients still need advice on decisions, behavior and plan changes over time. This is not financial advice.
What should small firms check before switching planning software?
Check data migration, custodian and CRM integrations, client portal quality, training time and total cost including add ons. Run a trial with real client cases, and confirm how long support takes to respond during the trial. A switch that saves money but slows every plan will cost more in advisor time than it saves in fees.
Sources we checked (9)
- https://www.emoneyadvisor.com
- https://www.moneyguidepro.com
- https://www.rightcapital.com
- https://www.advyzon.com
- https://www.incomelab.com
- https://www.holistiplan.com
- https://www.asset-map.com
- https://www.conquestplanning.com
- https://incomelaboratory.com/best-retirement-planning-software-for-advisors/
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.