What is the best family office software for families under $10 million?

Families with under $10 million in net worth typically do not need enterprise family office software (Addepar, Eton Solutions, Archway), which is built for $50M+ and costs $50K-$250K+ per year. A best-of-breed approach works better: use a planning and governance tool like X1 Wealth (from $29/month) for family constitution, financial strategies, and advisor coordination, paired with an aggregation tool like Kubera ($150/year) for consolidated net worth tracking across all asset types. Total cost: under $500/year for capabilities that partially overlap with six-figure enterprise platforms.

How do Addepar, Masttro, and Eton Solutions compare?

Addepar is analytics-first: institutional-grade portfolio attribution, risk decomposition, and alternative investment modeling for RIAs and family offices with $50M+. Masttro is privacy-first: Swiss data center, client-controlled encryption, fixed pricing not tied to AUM, best for single-family offices prioritizing confidentiality. Eton Solutions is operations-first: full ERP covering 270+ workflows including accounting, entity management, and tax ledger integration, best for large offices that want one system instead of multiple tools. All three lack family governance, planning, and advisor coordination features.

What family office software includes family governance features?

Among the major family office platforms, X1 Wealth is the only one that includes family governance as a core feature. This includes family constitution creation (values articulation, decision frameworks), wealth philosophy documentation, and governance structures for multi-generational planning. Enterprise platforms like Addepar, Masttro, Eton Solutions, and Archway focus on portfolio reporting, accounting, and data aggregation. They assume governance happens outside the platform. Masttro offers some succession planning through its Legacy Distribution Manager, but does not provide values alignment or governance documentation.

Should I use one family office platform or multiple tools?

For most families in 2026, the best-of-breed approach works better than all-in-one. Choose the right tool for each layer: planning and governance (e.g., X1 Wealth), reporting and oversight (e.g., Asora, Kubera, or Addepar), and accounting (your CPA's existing software). All-in-one makes sense for very large single-family offices ($100M+) with dedicated staff, or when regulatory requirements demand data stays in one system. A practical best-of-breed stack for a mass-affluent household might cost $500-$2,000/year versus $50K-$250K+ for enterprise all-in-one.

What is the difference between family office software and wealth management software?

Wealth management software is built for advisors: trading, rebalancing, compliance, and client portfolio management. Family office software is built for the family or their office: consolidating oversight across multiple advisors, entities, and asset classes. Family office software typically includes multi-entity reporting, document management, and governance features that wealth management platforms do not. Some platforms serve both (Addepar works for RIAs and family offices), but the buyer and use case are different.

How much does family office software cost in 2026?

Family office software pricing spans a wide range. Enterprise platforms (Addepar, Eton Solutions, Archway) typically cost $50K-$250K+ per year with AUM-based or custom pricing. Mid-market platforms (Masttro, Asora) range from approximately $870/month to $150K+/year depending on scope. Consumer-grade aggregation (Kubera) costs $150/year for individuals. Planning and governance platforms (X1 Wealth) start at $29/month. The right tier depends on asset complexity, not net worth alone.

Which family office software has the best AI features?

AI in family office software falls into three categories. For document processing (capital calls, K-1s, fund reports): Masttro's DocAI and Eton Solutions' EtonGPT lead. For conversational querying (asking questions about your portfolio in plain language): Masttro Intelligence and EtonGPT. For planning intelligence (generating strategies aligned to your values and risk profile): X1 Wealth's Play Builder. Most platforms claiming AI in 2026 are offering data processing automation. Verify what the AI actually does before paying for the label.

Do I need family office software if I already have a financial advisor?

Family office software does not replace your advisor. It makes your advisor relationship more productive. Reporting platforms (Addepar, Masttro) give advisors better data. Planning platforms (X1 Wealth) produce governance documents and structured meeting prep that turn advisory meetings from status updates into decision sessions. If you work with multiple advisors (CPA, estate attorney, financial planner, insurance specialist), coordination software becomes more valuable than if you work with one. The question is not whether you need software instead of an advisor. It is whether software helps you get more value from the advisors you already pay.

Family Office Software Comparison 2026: 7 Platforms, 11 Dimensions, Head-to-Head

Feature-by-feature comparison matrix of Addepar, Masttro, Eton Solutions, Asora, Archway, Kubera, and X1 Wealth. Covers pricing, data aggregation, tax planning, estate support, AI, governance, and more.

Comparison (2026): Family office software in 2026 ranges from $29/month planning tools to $250K+/year enterprise reporting platforms. Enterprise options (Addepar, Eton Solutions, Archway) require $25M-$50M+ in assets. Mid-market options (Masttro, Asora) serve $5M-$100M. Planning-first options (X1 Wealth, Kubera) serve mass-affluent households under $10M. No single platform covers all needs. The right choice depends on your complexity level, not your net worth.

This page is not a "best of" listicle. (We have one of those.) This is a head-to-head comparison matrix. Seven platforms. Eleven dimensions. If you are actively evaluating, start with the matrix below.

Last reviewed: March 14, 2026.

Who this comparison is for

Family office principals or COOs evaluating technology for the first time and needing a structured way to compare options
Advisors selecting platforms on behalf of clients and wanting to see feature coverage in one view
Households earning $150K to $2M+ who suspect they need family office capabilities but are not sure which tier of platform matches their situation
Anyone who has read three vendor "best of" lists and noticed that each vendor ranked itself first

Quick self-check

This comparison is relevant if at least two of these apply:

You coordinate finances across more than three entities, accounts, or advisors.
You have searched for family office software and found that every option seems to require $10M+ in assets or a full-time operations team.
You need features beyond portfolio tracking: governance, tax planning support, estate coordination, or advisor workflow tools.
You want to understand the difference between accounting platforms, data aggregation tools, and planning layers before committing budget.

Key takeaways

Enterprise platforms (Addepar, Archway, Eton Solutions) serve families with $25M to $50M+ and charge $50K to $250K+ per year. They excel at portfolio reporting and accounting. They do not provide governance, values alignment, or advisor coordination.
Mid-market platforms (Masttro, Asora) offer more accessible entry points for family offices with $5M to $25M+. Both are strong on data aggregation and reporting. Neither addresses planning or family governance.
Kubera brings tech-forward aggregation and estate planning features at $150/year for individuals, with institutional pricing for family offices. Good for net worth tracking across exotic asset types. No governance, no tax planning, no advisor coordination.
X1 Wealth fills a different gap: planning, governance, and advisor coordination starting at $29/month for households earning $150K to $2M+. It is not a reporting or accounting platform.
No single platform covers all eleven dimensions well. The 2026 standard is best-of-breed: pair a planning tool with a reporting tool and let your CPA handle accounting.

The comparison matrix

This is the core of the page. Eleven dimensions, seven platforms, no hedging.

Dimension	Addepar	Masttro	Eton Solutions	Asora	Archway (SEI)	Kubera	X1 Wealth
Target audience	RIAs, MFOs, SFOs ($50M+)	Privacy-first SFOs ($25M+)	Large SFOs, MFOs, PE firms ($50M+)	Mid-size SFOs ($5M-$100M)	Institutional FOs, wealth mgmt firms ($50M+)	Tech-forward HNW individuals, FOs	Mass-affluent households ($150K-$2M income)
Pricing tier	Custom, 6 figures/yr (AUM-based)	Custom, $50K-$150K+/yr (fixed, not AUM-based)	Custom, enterprise (not disclosed)	~$870/mo (tiered by NW tracked)	Custom, AUM-based	$150/yr individual; institutional custom	From $29/mo (flat)
Data aggregation	900+ custodian feeds, broad alt coverage	650+ direct feeds, no screen-scraping	Integrated (270+ workflows)	Automated feeds, unlimited bank connections	Custodian + fund accounting feeds	20,000+ connections (Plaid, crypto, alternatives)	Connected accounts (consumer-grade)
Document management	Limited (reporting focus)	Yes (DocAI for capital calls, K-1s)	Yes (270+ workflows)	Yes (cloud-based)	Yes (fund documents)	Limited (beneficiary docs)	Yes (Vault: searchable, shareable, AI-processed)
Tax planning / optimization	No (reporting only)	No	Tax ledger integrated	No	No	No	Yes (Play Builder: personalized strategies, advisor-ready docs)
Estate planning support	No	Legacy Distribution Manager	Trust accounting	No	Trust accounting	Beneficiary designation, dead man's switch	Estate plan analysis, plain-English summaries
Family governance	No	No	No	No	No	No	Family Constitution, values alignment, decision frameworks
AI capabilities	Limited automation	Masttro Intelligence (conversational), DocAI (document processing), Alternatives AI	EtonGPT (conversational), AI document processing	Limited	Minimal	Scenario planning (Fast Forward)	AI planning intelligence, Play Builder, concierge
Advisor coordination	Client portal, API for advisor tools	Secure messaging portal	Client/advisor workflows	Shared dashboards	Client reporting portal	White-label client portal	Advisor Packets, meeting playbooks, multi-advisor workflow
Mobile experience	iPad app, responsive	Mobile-first portal	Mobile access	Responsive web	Limited	iOS and Android apps	Responsive web
API / integrations	Open REST APIs, Integration Center	Platform API, built-in CRM	270+ workflow integrations	API available	Custodian integrations	API for institutions, crypto/DeFi native	API for advisor integrations

Reading the matrix: what the dimensions mean

Target audience and pricing tier tell you whether the platform was built for your situation. A $250K/year enterprise platform will technically work for a household with $3M in assets. But you will be paying for reporting infrastructure designed for a 50-person family office. Match the tier to your complexity first.

Data aggregation is how the platform connects to your financial accounts. More feeds, fewer spreadsheets. Kubera leads on consumer-grade breadth (crypto, domain names, collectibles). Addepar and Masttro lead on institutional custodian depth. If you hold both a Coinbase wallet and a $5M PE fund commitment, no single platform covers both natively yet.

Document management ranges from basic file storage to AI-powered processing. Masttro and Eton Solutions can ingest capital call notices, K-1s, and fund reports automatically. X1's Vault stores and organizes financial documents with search and advisor sharing. Most platforms treat documents as an afterthought. That is a problem when your estate plan is a 47-page PDF nobody has read since it was signed.

Tax planning is the dimension most platforms ignore. Completely. Enterprise platforms report on what you own. They do not generate tax strategies. X1's Play Builder generates personalized financial strategies with advisor-ready documentation. If tax optimization matters to you, confirm whether your platform provides planning or just reporting. There is a difference.

Estate planning support varies from trust accounting (Archway, Eton) to beneficiary tools (Kubera) to plain-English estate plan analysis (X1). None of these replace your estate attorney. But some make it easier to understand what your documents actually say.

Family governance is a category that only X1 addresses. Values articulation. Decision frameworks. Wealth philosophy documentation. Family constitution creation. Every other platform on this list assumes governance happens somewhere else. For most families under $50M, it does not happen at all.

AI capabilities fall into three distinct categories. Document processing (Masttro, Eton): saves hours on capital call and fund report ingestion. Conversational interfaces (Masttro Intelligence, EtonGPT): lets you ask portfolio questions in plain language. Planning intelligence (X1 Play Builder): generates strategies aligned to your values and risk profile. Different problems. Different AI. Most vendor AI marketing conflates all three.

Advisor coordination matters when you work with multiple professionals. Most platforms provide a client portal where your advisor can view reports. That is a one-way window. X1 provides Advisor Packets (bundled context for meeting prep), meeting playbooks, and workflow tools for coordinating across CPAs, attorneys, and financial planners. Two-way coordination, not just visibility.

Mobile experience is table stakes but unevenly delivered. Kubera has dedicated iOS and Android apps. Masttro built a mobile-first portal. Addepar offers iPad access. Most others offer responsive web that works but was not designed for a phone screen.

API and integrations determine whether the platform fits your existing workflow or replaces it. Addepar's open API ecosystem is the most extensive. Kubera leads on crypto and DeFi connectivity. X1 provides advisor-facing integrations.

How to choose: the decision tree

Start with your AUM and complexity level. That narrows the field faster than comparing features.

If your family office manages $50M+ in assets

You are in the enterprise tier. Evaluate Addepar, Eton Solutions, and Archway.

Choose Addepar if your priority is portfolio analytics: institutional-grade attribution, factor modeling, risk decomposition, and alternative investment waterfall calculations. Requires dedicated operations staff.
Choose Eton Solutions (AtlasFive) if you need a full-stack ERP: accounting, entity management, tax ledger, and portfolio tracking in one platform. Best for offices running 270+ operational workflows.
Choose Archway if institutional accounting is the primary need: partnership accounting, fund structures, multi-entity general ledger alongside investment reporting.

Consider pairing any of these with X1 Wealth for the planning and governance layer they lack.

If your family office manages $10M to $50M

You are in the mid-market tier. Evaluate Masttro and Asora.

Choose Masttro if data privacy is the top requirement. Swiss Tier 4 data center, client-controlled encryption, fixed pricing that does not scale with AUM. Strongest AI for document processing (capital calls, K-1s) and conversational querying.
Choose Asora if you want a clean, modern interface with transparent pricing. All features included at every tier. No per-user fees. Fast setup. Good for newly established offices outgrowing spreadsheets.

If you have $1M to $10M and real complexity

You are in the mass-affluent gap. Traditional family office software is priced for a different buyer. Evaluate Kubera for aggregation and X1 Wealth for planning.

Choose Kubera if your primary need is tracking every asset type (stocks, crypto, real estate, collectibles, domain names) in one place with basic estate planning features.
Choose X1 Wealth if your primary need is planning, governance, and advisor coordination. Family Constitution, financial strategy recommendations, document organization, and multi-advisor workflow tools.
Best-of-breed approach: Combine Kubera for net worth tracking with X1 for planning and governance. Total cost: under $500/year for capabilities that partially overlap with platforms charging $50K+.

If you are an advisor selecting for clients

For reporting to clients: Addepar or Black Diamond (see Addepar vs Black Diamond)
For privacy-focused UHNW clients: Masttro (see Masttro vs Addepar)
For client planning deliverables: X1 Wealth provides Advisor Packets, meeting prep materials, and governance documents your clients can actually read

The mass-affluent gap: when you need FO capabilities but don't meet minimums

Every vendor-published comparison skips this section. We reviewed the top 10 results for "family office software comparison." Masttro, Asora, Aleta, and FundCount all publish listicles. None of them mention families under $10M, because none of them sell to families under $10M.

If your household earns $150K to $2M, you probably recognize this situation:

You run a business through an S-Corp or LLC and manage personal and business finances across multiple entities.
You have a CPA, an estate attorney, a financial planner, and maybe an insurance specialist. Nobody coordinates between them.
You have looked at Addepar and Masttro and realized they require $25M+ in assets and dedicated operations staff.
You have looked at Monarch and YNAB and realized they solve budgeting, not coordination.

This gap is real. About 57% of family offices still use Excel as a primary tool, according to Future Family Office research. The spreadsheet-to-software transition is the biggest opportunity in the space, and it is not just a $50M+ problem.

The mass-affluent solution is not a cheaper version of enterprise software. It is a different category: planning and coordination first, reporting second. Here is what that looks like:

Planning layer (X1 Wealth, from $29/mo): Family Constitution and governance documents. Financial strategy recommendations through the Play Builder. Document organization in the Vault. Advisor Packets for meeting prep. Multi-advisor coordination. This is the layer most families skip and most advisors wish they had not.

Aggregation layer (Kubera, from $150/yr, or Asora if complexity warrants ~$870/mo): Consolidated net worth view across all asset types. Custodian connections for automated tracking.

Accounting layer (your CPA's existing software): Let your CPA keep using the tools they know. You do not need a family office general ledger at $3M in net worth.

For a deeper guide on this approach, see Family Office Capabilities Without the $25M Minimum and What Is a Virtual Family Office?

Platform snapshots

Brief profiles for each platform in the matrix. For deeper individual reviews, see our 13-platform listicle.

Addepar

Portfolio analytics and reporting platform. $1.3 trillion+ in AUM across 1,000+ firms. Institutional-grade attribution, factor modeling, risk decomposition. 900+ custodian integrations. AUM-based pricing, typically six figures annually. Best for multi-family offices and RIAs with complex alternative portfolios. No governance. No planning layer.

Masttro

Privacy-first data aggregation for UHNW single-family offices. Swiss Tier 4 data center, client-controlled encryption. 650+ direct custodian feeds with no screen-scraping. Fixed annual pricing (not AUM-based). Masttro Intelligence provides conversational AI querying; DocAI processes capital calls and K-1s. Legacy Distribution Manager for succession planning. No governance or planning layer.

Eton Solutions (AtlasFive)

Full-stack ERP covering 270+ family office workflows. General ledger, entity management, trust accounting, bill pay, transaction processing. EtonGPT provides conversational data querying. AI document processing for partnership K-1s and capital call notices. Serves approximately 965 families with $1.3 trillion on-platform. Best for large SFOs needing one system instead of five. No planning or governance features.

Asora

Cloud-based reporting for small and mid-size family offices. Tracks liquid and illiquid assets including real estate, private equity, and alternatives. All features included at every pricing tier. No per-user fees. Transparent pricing starting at approximately $870/month. Unlimited users and bank connections. Fast setup (days, not months). Best for offices migrating from spreadsheets. No accounting, planning, or governance.

Archway (SEI)

Institutional accounting and reporting platform. Combines general ledger, fund accounting, and investment data aggregation. Acquired by Aquiline Capital Partners from SEI for $120M. $723 billion in AUM across clients. AUM-based pricing with floors. Best for family offices needing true institutional accounting alongside investment oversight. Minimal AI. No planning or governance.

Kubera

Tech-forward net worth aggregation. Connects to 20,000+ financial accounts including crypto wallets, DeFi positions, domain names, collectibles, and traditional brokerage accounts. $150/year for individuals. Institutional pricing for family offices and advisors. Estate planning features including beneficiary designation and secure access instructions. Fast Forward scenario planning. iOS and Android native apps. No accounting, no tax planning, no governance, no advisor coordination tools.

X1 Wealth

Planning, governance, and advisor coordination for mass-affluent households. Family Constitution: values articulation, decision frameworks, governance structures. Family Office Blueprint: seven planning documents generated from a 15-minute intake. Play Builder: personalized financial strategy recommendations with advisor-ready documentation. Vault: organized document storage with search and advisor sharing. Advisor coordination tools: meeting playbooks, Advisor Packets, multi-advisor workflow. From $29/month with no AUM minimums. Not a data aggregation or accounting platform.

What no platform on this list does well

Every platform on this list has a marketing page that makes it sound complete. None of them are. Here are the shared blind spots:

No platform replaces your advisor team. Every platform on this list is a tool, not a service. Addepar does not invest your money. X1 does not file your taxes. Masttro does not draft your trust documents. You still need a CPA, an estate attorney, and a financial planner. The question is whether your software helps you coordinate across them or ignores the problem.

No platform handles every asset class natively. Kubera comes closest on breadth (crypto, collectibles, domain names), but lacks depth in institutional alternatives. Addepar and Masttro have institutional depth but limited consumer-grade coverage. If your portfolio spans both worlds, expect some manual tracking regardless of platform.

Tax optimization is underserved. Among these seven platforms, only X1 generates tax-aware financial strategies. The enterprise platforms report on tax positions (Eton's integrated tax ledger is an exception worth noting). None of them proactively identify tax savings opportunities. If tax optimization is your primary pain point, your CPA is still the answer, but having structured data to bring them makes the conversation more productive.

Decision checklist

Before selecting a platform, work through these questions. They narrow the field faster than feature comparisons.

What is your total net worth? This determines which pricing tier is realistic. Under $10M: Kubera + X1. $10M to $50M: Masttro or Asora, consider adding X1 for planning. Over $50M: Addepar, Eton, or Archway, consider adding X1 for governance.
What is your primary need: consolidated reporting, accounting, or planning and governance? Most families answer "all three" initially. Push for the one you would solve first.
How many entities, custodians, and advisors do you coordinate across? Fewer than five total: you may not need enterprise software yet. More than ten: enterprise platforms justify their cost.
Do you have dedicated staff to manage a complex platform? If the answer is no, enterprise platforms will produce expensive shelf-ware.
Is your priority a "system of record" for assets, or a "system of intent" for values, planning, and governance? This is the question that separates reporting platforms from planning platforms.

Questions for your advisor or CPA

Which dimension in this comparison is the biggest gap in our current setup: reporting, planning, governance, or coordination?
If we paired a planning tool (X1) with an aggregation tool (Kubera or Asora), would that cover our needs without enterprise pricing?
Do our alternative investments generate enough document volume to justify AI document processing?
What governance documents (family constitution, decision framework, wealth philosophy) are we missing, and would creating them change how we coordinate?
Are we complex enough to justify an enterprise platform, or would we be paying for features we will not use for five years?

What this means in the next 30 days

Week 1: Run the complexity count. You or your office manager lists every entity, custodian, and active advisor. Write down the total. Under five: enterprise software is premature. Over fifteen: enterprise platforms earn their cost.
Week 2: Match your number to a tier. Under five: Kubera + X1 ($500/year). Five to fifteen: Masttro or Asora + X1 ($11K-$15K/year). Over fifteen: Addepar, Eton, or Archway + X1 for governance ($50K+/year).
This week: Start with the cheapest test. Complete the free Family Constitution Starter. It takes about 15 minutes. If the governance documents it produces are useful, you have validated the planning layer before spending anything on reporting infrastructure.

Next step

Identify which tier matches your complexity, then start your Family Office Blueprint to see what planning-first family office technology produces in practice.

Compliance note

This comparison is for informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice. Platform pricing and features reflect publicly available information as of March 2026 and are subject to change. Confirm current pricing, features, and suitability directly with each provider. Evaluate any financial tool based on your specific needs and consult a qualified professional before making decisions.

Sources

Addepar: Family Office Software — https://addepar.com/family-office-software
Masttro: Family Office Software — https://masttro.com/family-office-software
Masttro: Best Family Office Software for 2026 — https://masttro.com/insights/best-family-office-software
Eton Solutions: AtlasFive Platform — https://eton-solutions.com/solutions/atlasfive/
Asora: Family Office Software Pricing — https://asora.com/pricing/
Archway Technology: Family Office Accounting — https://www.archwaytechnology.net/family-office-accounting-software
Kubera: Portfolio Tracker — https://www.kubera.com/
Future Family Office: Technology Adoption Study (57% Excel reliance)
Campdren Wealth: Family Office Operational Excellence Report (2025)
Simple: Family Office Software & Technology Report 2025 — https://andsimple.co/reports/family-office-software/

We have no affiliate relationship with any platform mentioned in this comparison.

Methodology

This comparison was developed through analysis of official product documentation and feature pages from each vendor, review of third-party comparison articles and directories (Masttro, Asora, Aleta, FundCount, familyoffice-software.com, SourceForge), published pricing data where available, and industry reports on family office technology adoption. Information reviewed March 2026.

For a full ranked guide with 13 platforms, see Best Family Office Software 2026. For head-to-head comparisons, see Masttro vs Addepar and Addepar vs Black Diamond.

Family Office Software Comparison 2026: 7 Platforms, 11 Dimensions, Head-to-Head

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