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FinCalc

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What FinCalc is

FinCalc is financial planning software for UK advisers, with web and API access. Its range covers cashflow and retirement modelling, inheritance tax, pension transfer analysis, digital engagement and financial calculators. Cashflow Modeller projects a client’s income, expenditure and wealth over a planning horizon, using timelines and goal analysis. Advisers can work with fixed assumptions, variable returns and stress tests, and compare different planning options. The platform can generate customisable reports with graphical outputs and annual tax breakdowns.

Digital Engagement includes custom digital fact finds, a white-labelled client portal, secure messaging, document uploads and CRM Lite activity tracking. Listed integrations include DocuSign, intelliflo, Iress Xplan, Twenty7tec, Plannr, Curo (Time4Advice) and ZeroKey; Wealthcraft is marked as coming soon. Its enterprise REST API supports webhooks and real-time updates, and documents OAuth 2.0 and bearer authentication. FinCalc says client data is hosted in UK Azure data centres, protected with 256-bit AES encryption and exportable by clients at any time. It also describes ISO 27001 certification, GDPR compliance, live webinar training, guides, videos and UK-based support. Pricing is on request; a temporary trial system may be granted and can be ended by the licensor at any time.

Who it suits

FinCalc suits financial advisers and planning firms that need tools for cashflow, retirement, tax and pension transfer analysis. Networks and consolidators may also find its modelling, client engagement features and API relevant.

What it does well

Models income, expenditure and wealth across a planning horizon.
Compares planning options using variable returns and stress testing.
Provides customisable reports with graphical outputs and annual tax breakdowns.
Includes a white-labelled portal, secure messaging and document uploads.
Supports bulk CSV/Excel import and client data export.

What to know first

Pricing is available on request.
Trial access may be terminated at any time.
API access must be requested by email.
API use has request and fair-use limits.

Limits

Pricing is on request, and a temporary trial may be ended by the licensor at any time. API documentation sets a hard limit of 400 requests per minute per IP address and gives 100 calls per user licence per day as general fair use.

Getting started

Visit the FinCalc website.
Choose web access or explore API access.
Request API access by emailing support if needed.
Ask FinCalc about pricing and a temporary trial system.
Use the available CSV/Excel bulk import for client data.

Verdict

Choose FinCalc if you are a UK adviser or planning organisation seeking modelling alongside digital client engagement. Look elsewhere if you need published pricing or immediate self-service API access; API applicants must request access, and usage limits apply.

Questions

How much does FinCalc cost?

Pricing is on request.

Is there a free trial?

FinCalc may grant a temporary trial system, which the licensor may terminate at any time.

Which platforms does FinCalc support?

The listed platforms are web and API.

What integrations are listed?

FinCalc lists DocuSign, intelliflo, Iress Xplan, Twenty7tec, Plannr, Curo (Time4Advice) and ZeroKey. Wealthcraft is marked coming soon.

Can clients export their data?

FinCalc says clients can export their client data at any time and describes CSV/Excel bulk import.

How can I get API access?

FinCalc’s API documentation directs applicants to request access by emailing support.

Facts from FinCalc's own pages

API: FinCalc offers an enterprise REST API with webhooks and real-time updates, and documents OAuth 2.0 and bearer authentication. · fincalc.co.uk, 9 Oct 2026
API access: FinCalc's API documentation says there is no automated access process and directs applicants to request access by emailing support. · fincalc.co.uk, 9 Oct 2026
API usage limit: The API documentation states a hard limit of 400 requests per minute per IP address and gives 100 calls per user licence per day as a general fair-use guide. · apidocs.fincalc.co.uk, 9 Oct 2026
Cashflow modelling: Cashflow Modeller projects income, expenditure and wealth over a client’s planning horizon, with timelines and goal analysis. · fincalc.co.uk, 9 Oct 2026
Client engagement: The Digital Engagement product includes custom digital fact finds, a white-labelled client portal, secure messaging, document uploads and CRM Lite activity tracking. · fincalc.co.uk, 9 Oct 2026
Data portability: The site describes CSV/Excel bulk import and says clients can export their client data at any time. · fincalc.co.uk, 9 Oct 2026
Headquarters: Colchester, Essex, UK · fincalc.co.uk, 28 Sept 2026
Hosting: FinCalc says client data is hosted in UK Azure data centres. · fincalc.co.uk, 9 Oct 2026
Hosting and encryption: FinCalc says client data is hosted in UK Azure data centres and protected with 256-bit encryption. · fincalc.co.uk, 9 Oct 2026
Integrations: The integrations page lists DocuSign, intelliflo, Iress Xplan, Twenty7tec, Plannr, Curo (Time4Advice) and ZeroKey; Wealthcraft is marked “COMING SOON.” · fincalc.co.uk, 9 Oct 2026
Intended users: FinCalc presents solutions for financial advisers, financial planning firms, and networks or consolidators. · fincalc.co.uk, 9 Oct 2026
Planning modules: The platform includes cashflow, retirement and inheritance tax modelling, Transvas pension transfer analysis, digital engagement tools and financial calculators. · fincalc.co.uk, 9 Oct 2026
Planning tools: Its listed products include Cashflow Modeller, Retirement Modeller, IHT Modeller, Transfer Analysis, Client Portal and Calculators. · fincalc.co.uk, 9 Oct 2026
Purpose: FinCalc describes itself as financial planning software built for UK advisers. · fincalc.co.uk, 9 Oct 2026
Reports: FinCalc says users can generate customisable reports with graphical outputs and annual tax breakdowns. · fincalc.co.uk, 9 Oct 2026
Scenario analysis: The cashflow tool supports fixed assumptions, variable returns, stress testing and comparisons between planning options. · fincalc.co.uk, 9 Oct 2026
Security: FinCalc states that it holds ISO 27001:2022 accreditation and Cyber Essentials Plus certification. · fincalc.co.uk, 9 Oct 2026
Support: FinCalc describes live webinar training, guides and videos, with UK-based support staff for technical and user queries. · fincalc.co.uk, 9 Oct 2026
Trial: The licence terms say FinCalc may grant a temporary trial system, which may be terminated at any time by the licensor. · fincalc.co.uk, 9 Oct 2026

Where FinCalc stands on Freedom251

Financial Planning Software#17 of 34