Best Financial Planning Software in 2026
Updated
In short: myprosperity is ranked #1 of 34 as of 7 October 2026, ahead of Betterment and Boldin. The best-ranked option with a free plan is Betterment. The lowest first paid tier on this page is Betterment at $0.05/mo.
Financial planning software can help you map goals and explore how financial choices may affect a plan. Compare cash-flow modeling and scenario analysis with goal, investment, insurance, and tax planning to identify the capabilities relevant to your work. A client portal may matter when you share planning with clients; free-plan availability and paid-from pricing add information about access and cost. myprosperity, Betterment, and Boldin are among the entries. Consider which planning areas you need to cover, and weigh those against the listed features and plan details.
34 financial planning software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
11 of the 25 here have a free tier you can use, 0 have open-source code on record, and 0 have full bars: free, open, on most of your devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | myprosperityWeb · Android · iPhone | Three bars | — | 3 of 6 | A$14.95/mo | 6.6 | |
| 2 | BettermentWeb · Android · iPhone | Three bars | — | 3 of 6 | $0.05/mo | 6.5 | |
| 3 | BoldinWeb · Android · iPhone | Three bars | — | 3 of 6 | $12/mo | 6.5 | |
| 4 | ElementsWeb · Android · iPhone | Three bars | — | 3 of 6 | $149/mo | 6.5 | |
| 5 | FE CashCalcWeb · Android · iPhone | Three bars | — | 3 of 6 | £80/mo | 6.5 | |
| 6 | ProjectionLabWeb · Android · iPhone · API | Three bars | — | 3 of 6 | $10.75/mo | 6.5 | |
| 7 | AstuteWheelWeb | Two bars | — | 1 of 6 | A$25/mo | 6.4 | |
| 8 | ConquestWeb · API | Two bars | — | 1 of 6 | — | 6.4 | |
| 9 | MyPlanWeb | Two bars | — | 1 of 6 | Free | 6.4 | |
| 10 | ScenariosWeb | Two bars | — | 1 of 6 | £60.50/mo | 6.3 | |
| 11 | LivePlanWeb · Windows · Mac · Android · iPhone | Two bars | — | — | 5 of 6 | $15/mo | 5.7 |
| 12 | XplanWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.6 |
| 13 | EVProWeb · Windows · Mac · Android · iPhone | One bar | — | — | 5 of 6 | — | 5.5 |
| 14 | PlanswellWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.4 |
| 15 | MaxiFiWeb · Windows · Mac · Linux · Android · iPhone | Two bars | — | — | 6 of 6 | $12.42/mo | 5.3 |
| 16 | MoneyGuideWeb · Windows · Mac · iPhone | Two bars | — | — | 4 of 6 | $33.33/mo | 5.3 |
| 17 | PlanTechHubWeb | One bar | — | — | 1 of 6 | $90/mo | 5.3 |
| 18 | eMoney AdvisorWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.2 |
| 19 | FinCalcWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 20 | MyOwnFPWeb | One bar | — | 1 of 6 | $3.33/mo | 5.2 | |
| 21 | NaviPlanWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 22 | Orion Portfolio AccountingWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | $1083.33/mo | 5.2 |
| 23 | RightCapitalWeb · Android · iPhone | Two bars | — | — | 3 of 6 | $12.50/mo | 5.2 |
| 24 | LibrettoWeb | No signal | — | — | 1 of 6 | — | 5.1 |
| 25 | CushionWeb | One bar | — | — | 1 of 6 | $10/mo | 4.9 |
Compare all 25 in a table
| # | App | Score | Free plan | From | Free plan | Paid from | Cash-flow modeling | Goal planning |
|---|---|---|---|---|---|---|---|---|
| 1 | myprosperity | 6.6 | Free plan | A$14.95/mo | Yes | — | Yes | Yes |
| 2 | Betterment | 6.5 | Free plan | $0.05/mo | Yes | — | — | — |
| 3 | Boldin | 6.5 | Free plan | $12/mo | Yes | — | — | — |
| 4 | Elements | 6.5 | Free plan | $149/mo | Yes | — | — | — |
| 5 | FE CashCalc | 6.5 | No | £80/mo | No | — | Yes | Yes |
| 6 | ProjectionLab | 6.5 | Free plan | $10.75/mo | Yes | — | — | — |
| 7 | AstuteWheel | 6.4 | No | A$25/mo | No | — | Yes | Yes |
| 8 | Conquest | 6.4 | No | — | No | — | Yes | Yes |
| 9 | MyPlan | 6.4 | Free plan | Free | Yes | — | Yes | Yes |
| 10 | Scenarios | 6.3 | Free plan | £60.50/mo | Yes | — | — | — |
| 11 | LivePlan | 5.7 | No | $15/mo | Yes | — | Yes | — |
| 12 | Xplan | 5.6 | No | — | — | — | Yes | Yes |
| 13 | EVPro | 5.5 | No | — | — | — | Yes | Yes |
| 14 | Planswell | 5.4 | No | — | Yes | — | Yes | Yes |
| 15 | MaxiFi | 5.3 | No | $12.42/mo | No | — | — | — |
| 16 | MoneyGuide | 5.3 | No | $33.33/mo | — | — | Yes | Yes |
| 17 | PlanTechHub | 5.3 | No | $90/mo | Yes | — | Yes | Yes |
| 18 | eMoney Advisor | 5.2 | No | — | — | — | Yes | Yes |
| 19 | FinCalc | 5.2 | No | — | — | — | Yes | Yes |
| 20 | MyOwnFP | 5.2 | Free plan | $3.33/mo | Yes | — | Yes | — |
| 21 | NaviPlan | 5.2 | No | — | — | — | Yes | Yes |
| 22 | Orion Portfolio Accounting | 5.2 | No | $1083.33/mo | — | — | Yes | Yes |
| 23 | RightCapital | 5.2 | No | $12.50/mo | No | — | Yes | Yes |
| 24 | Libretto | 5.1 | No | — | — | — | — | Yes |
| 25 | Cushion | 4.9 | No | $10/mo | No | — | Yes | Yes |
Is your app on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which financial planning software is ranked first on Freedom251?
myprosperity is ranked #1 of 34 with a score of 6.6. Betterment is second and Boldin third.
How many of these have a free plan?
8 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 free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.