Best Financial Planning Software in 2026
Updated
In short: Xplan is ranked #1 of 29 as of 3 October 2026, ahead of ProjectionLab and RightCapital. The best-ranked option with a free plan is ProjectionLab. The lowest first paid tier on this page is Betterment at $0.05/mo.
Financial planning software brings together areas such as cash flow, goals, investments, insurance and tax planning. Compared on those capabilities and scenario analysis, the entries also vary in client portal and free-plan availability. Paid-from pricing offers another point of comparison when considering the listed options. Xplan, ProjectionLab and RightCapital lead the ranking, followed by eMoney Advisor and MoneyGuide among the early entries. Think about which parts of planning your work involves, then compare the capabilities shown for each product, including whether client access or scenario modeling matters to your process.
29 financial planning software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
| # | Platform | Score | Why | From | Free plan | Paid from | Cash-flow modeling | |
|---|---|---|---|---|---|---|---|---|
| 1 | Xplan | 8.2 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 2 | ProjectionLab | 8.0 | RecognisedAPIDocumented | $10.75/mo | Yes | — | — | View |
| 3 | RightCapital | 6.9 | RecognisedAPIDocumented | $12.50/mo | No | — | Yes | View |
| 4 | eMoney Advisor | 6.8 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 5 | MoneyGuide | 6.7 | RecognisedAPIDocumented | $33.33/mo | — | — | Yes | View |
| 6 | NaviPlan | 6.6 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 7 | Boldin | 6.6 | RecognisedAPIDocumented | $12/mo | Yes | — | — | View |
| 8 | Conquest | 6.4 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 9 |  EVPro | 6.3 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 10 | Voyant | 6.2 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 11 | myprosperity | 6.2 | RecognisedAPIDocumented | A$14.95/mo | Yes | — | Yes | View |
| 12 | FE CashCalc | 6.1 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 13 | FinCalc | 6.1 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 14 | Dynamic Planner | 6.0 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 15 | MyOwnFP | 6.0 | RecognisedAPIDocumented | — | Yes | — | Yes | View |
| 16 |  Scenarios | 5.9 | RecognisedAPIDocumented | — | Yes | — | — | View |
| 17 | MyPlan | 5.9 | RecognisedAPIDocumented | Free | Yes | — | Yes | View |
| 18 | MaxiFi | 5.7 | RecognisedAPIDocumented | — | No | — | — | View |
| 19 | Moneytree | 5.7 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 20 | LivePlan | 5.7 | RecognisedAPIDocumented | $1.25/mo | Yes | — | Yes | View |
| 21 | Betterment | 5.6 | RecognisedAPIDocumented | $0.05/mo | Yes | — | — | View |
| 22 |  AstuteWheel | 5.4 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 23 |  Timeline | 5.3 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 24 | Kerdora | 5.2 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 25 | Elements | 5.2 | RecognisedAPIDocumented | — | Yes | — | — | View |
Is your platform on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which financial planning software is ranked first on Inferse?
Xplan is ranked #1 of 29 with a score of 8.2. ProjectionLab is second and RightCapital third.
How many of these have a free plan?
4 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Betterment has the lowest first paid tier we found: $0.05/mo.
How is this list ranked?
Ranked on what each maker publishes, open and connectable first: a public API, open-source code, the depth of its documentation and a free tier to try it on. Model lists are sorted by the figure in their title, exactly as each provider publishes it. Paid placements never change a rank.