Freedom251 › Finance & Accounting

Free and open first

Best Financial Planning Software in 2026

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 apps
• Research read 23 Sept 2026
• How the order is worked out

1. 1

   Boldin

   Free plan AndroidAPIiPhone+1

   Boldin offers household planning tools, scenario analysis, and several support options. Account-linking gaps and the trial's coaching limits are worth considering before relying on it for a plan.

   7.7 Free plan · paid from $144/yr · 14-day trial Visit site
2. 2

   Elements

   Free plan AndroidiPhoneWeb

   Elements combines client financial summaries, tracking, and advisor communication workflows. Its free plan has a five-client limit, while paid plans are month-to-month.

   7.4 Free plan · paid from $149/mo Visit site
3. 3

   myprosperity

   Free plan AndroidAPIiPhone+1

   myprosperity brings client collaboration, document workflows, and financial tools into one portal. Firms should weigh plan commitments and included user and storage limits against their needs.

   7.2 Free plan · paid from 279/mo Visit site
4. 4

   ProjectionLab

   Free plan AndroidAPIExtension+2

   ProjectionLab covers a wide range of personal planning scenarios, with a separate Pro plan for advisors and coaches.

   7.0 Free plan · paid from $129/yr · 7-day trial Visit site
5. 5

   MyOwnFP

   Free plan Web

   MyOwnFP focuses its planning tools on Canadian accounts, benefits, and taxes, with scenario comparisons and client sharing. Review the free-plan limit and data-retention terms when choosing a plan.

   6.8 Free plan · paid from 40/yr Visit site
6. 6

   MyPlan

   Free plan Web

   MyPlan combines portfolio tracking, goals, retirement scenarios and estate planning, with tools for both individuals and advisors.

   6.8 Free plan · pricing on request Visit site
7. 7 S

   Scenarios

   Free plan Web

   Scenarios offers free projection tools and paid UK tax and planning features, with Duo adding shared household modelling. Its projections are educational, not financial advice.

   6.5 Free plan · paid from £6/mo (annual) Visit site
8. 8

   eMoney Advisor

   Free trial AndroidAPIiPhone+1

   Choose eMoney Advisor if your advisory practice needs a client portal, planning tools, and advisor support in one platform.

   6.4 Pricing on request Visit site
9. 9 E

   EVPro

   Free trial AndroidiPhoneMac+2

   Choose EVPro if you advise clients and want risk, investment, cash-flow and portfolio tools in one planning solution.

   6.4 Pricing on request Visit site
10. 10

    FE CashCalc

    Free trial AndroidAPIiPhone+2

    FE CashCalc combines lifetime cashflow modelling, planning calculators, and client-facing reports.

    6.4 From £75/mo Visit site
11. 11

    Conquest

    Free trial APIWeb

    Conquest brings multiple planning modes and financial planning areas into one engine, with API connections and access-controlled links to AI assistants.

    6.2 Pricing on request · 14-day trial Visit site
12. 12

    MaxiFi

    Free trial AndroidiPhoneLinux+3

    MaxiFi is designed to connect long-range financial choices with projected spending, taxes, and benefits.

    6.2 From $109/yr Visit site
13. 13

    MoneyGuide

    Free trial APIiPhoneMac+2

    MoneyGuide brings a broad set of planning tools and collaborative permissions into a web-based application. It is a planning tool rather than a way for clients to transact or withdraw money.

    6.2 Pricing on request Visit site
14. 14

    Dynamic Planner

    Paid AndroidAPIiPhone+1

    Dynamic Planner brings multiple stages of financial planning into a platform that firms can use as a whole or by module.

    6.0 From £80/mo Visit site
15. 15

    Betterment

    Paid AndroidiPhoneWeb

    Betterment combines automated investing with cash products and self-directed trading, alongside retirement planning.

    5.9 Free plan · paid from $5/mo Visit site
16. 16 P

    Planswell

    Free plan AndroidiPhoneWeb
    5.9 Free plan Visit site
17. 17

    FinCalc

    Free trial APIWeb

    Choose FinCalc if you are a UK adviser or planning organisation seeking modelling alongside digital client engagement.

    5.8 Pricing on request Visit site
18. 18 P

    PlanTechHub

    Free plan Web

    PlanTechHub brings several financial-planning disciplines and a client portal into one web service. Advisors can start with free access or choose pay-by-plan and Premium options.

    5.8 Free plan · paid from $5 Visit site
19. 19 P

    Pocket Risk

    Free trial AndroidiPhoneWeb

    Pocket Risk focuses on client risk assessment, reporting and connecting scores to model portfolios.

    5.8 14-day trial Visit site
20. 20

    RightCapital

    Free trial AndroidiPhoneWeb

    RightCapital combines advisor planning, tax analysis, and client-facing portal and mobile tools. Check the annual commitment and plan details against your practice’s needs before choosing a tier.

    5.8 From $149.95/mo · 14-day trial Visit site
21. 21 A

    AstuteWheel

    Paid Web

    AstuteWheel brings client engagement, modelling and practice tools into one financial-planning platform.

    5.7 Visit site
22. 22

    LivePlan

    by LivePlan

    Paid AndroidiPhoneMac+2

    LivePlan brings business planning, forecasts, market research, and presentation creation into a web service. Buyers should account for its internet requirement and single-active-company limit.

    5.7 Free plan · paid from $15/mo (annual) Visit site
23. 23 F

    Finjaro

    Paid Web

    Finjaro brings adviser planning, scenario projections, and client information sharing into one web platform.

    5.4 Visit site
24. 24 T

    Timeline

    Free trial Web

    Timeline pairs adviser planning tools with investment-platform functions and client access.

    5.4 From £142/mo Visit site
25. 25

    Voyant

    Free trial Web

    Voyant brings detailed financial planning, client collaboration, and document sharing into a browser-based platform for advisers.

    5.4 From $150/mo Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

More in Finance & Accounting

• Financial Wellness Software26
• Fixed Asset Management Software27
• Foreign Exchange Management Software21
• Fraud Detection Software33
• Freelance Invoicing Software30
• Fund Accounting Software70
• Fund Administration Software30
• General Ledger Software25
• Global Payroll Software29
• Government Accounting Software19
• Hosted Checkout Software29
• Hotel Accounting Software34