RightCapital vs eMoney: Financial Planning Software for Advisors in 2026

RightCapital and eMoney are two of the most popular financial planning software platforms for advisors, but they serve different practices. RightCapital offers modern UX, faster onboarding, and transparent pricing that works for solo advisors and growing RIAs. eMoney provides the deepest planning engine available—essential for complex wealth situations—but at enterprise pricing.

This guide helps you choose the right platform for your practice, and explores how client-facing tools like X1 Wealth can complement your planning software.

Last reviewed: January 17, 2026.

Quick verdict

Choose RightCapital if: You're a solo advisor or small RIA who wants comprehensive planning without a steep learning curve. RightCapital's modern interface means you'll be proficient in hours, not months—and the pricing ($140/month starting) is transparent without enterprise minimums.

Choose eMoney if: You serve ultra-high-net-worth clients with complex needs like multigenerational trusts, stock option exercises, or state tax arbitrage. eMoney's projection engine is unmatched for these scenarios, and larger firms often get discounted rates through broker-dealer relationships.

Consider X1 Wealth as a complement if: You want to give clients family-office-quality planning documents (Family Constitution, Legacy Blueprint, Risk DNA) without doing the work yourself. X1 generates the soft-side planning that neither RightCapital nor eMoney addresses.

Comparison at a glance

Understanding RightCapital

Founded in 2015, RightCapital has become the fastest-growing financial planning software by focusing on user experience. The platform was built with modern technology from the ground up, resulting in faster updates and a more responsive interface than legacy systems.

Key strengths

1. Intuitive data entry

RightCapital's guided workflow minimizes missed details that can throw off projections. Most advisors reach proficiency within four hours—compared to eMoney's estimated 15+ hours.

2. Visual presentation tools

• Cash Flow Map: Sankey-style visualization showing money flow
• Snapshot: Single-page plan overview for client meetings
• Blueprints: Visual summaries for net worth, goals, and cash flows

3. Modern client portal

Clients can opt into push notifications for assigned tasks, upload documents, and track their plan progress without advisor intervention.

4. Transparent pricing

Starting at $140/month per advisor with no hidden fees. All plans include a 14-day free trial and require only an annual commitment for the first year.

RightCapital pricing

Integrations

RightCapital connects with 40+ platforms including:

• CRM: Redtail, Wealthbox, SmartOffice
• Reporting: Orion, Tamarac, FinFolio, AssetBook
• Risk: Riskalyze
• Custodians: TD Ameritrade, Schwab

Understanding eMoney

eMoney has been the industry standard since 2000, and Fidelity's 2015 acquisition cemented its position as the enterprise choice. With 138,000+ users serving 7 million households, eMoney offers the deepest planning capabilities available.

Key strengths

1. Unmatched projection depth

eMoney handles scenarios no other platform can:

• Trust distributions with complex terms
• Charitable split-interest vehicles (CRTs, CLTs)
• Stock option exercise strategies
• State tax differential analysis
• Multi-entity business structures

2. Decision Center

Real-time "what-if" modeling that lets advisors toggle assumptions and show clients the impact on net worth instantly. This collaborative feature is particularly effective in client meetings.

3. Client alerts and monitoring

eMoney's "feed" keeps advisors updated with financial alerts, news, and real-time data related to their clients—proactive rather than reactive.

4. Enterprise integrations

For larger firms needing fully open APIs and deep custodial connections, eMoney remains the standard.

eMoney pricing

eMoney uses quote-based pricing, which varies by firm size and distribution relationships:

Note: Independent RIA-only advisors typically pay premium rates. Advisors through broker-dealers often receive significant discounts.

Integrations

eMoney integrates with:

• CRM: Redtail, Wealthbox
• Risk: Nitrogen (formerly Riskalyze), HiddenLevers
• Storage: Dropbox Business
• And more: Direct Advisory Suite, custodial platforms

Feature-by-feature breakdown

Ease of use

RightCapital: Most users reach proficiency in ~4 hours. The interface is intuitive, and data entry is streamlined with smart defaults and guided workflows.

eMoney: Expect 3-6 months to become truly proficient. The depth of functionality means more complexity, and data entry is labor-intensive.

Winner: RightCapital for speed to value. eMoney if you need the depth.

Financial planning depth

RightCapital: Comprehensive planning for typical scenarios: retirement projections, Social Security optimization, Roth conversions, insurance needs, student loans, estate basics.

eMoney: The deepest engine available. Handles multigenerational trusts, complex equity compensation, state tax arbitrage, and institutional-level scenarios that other platforms can't model.

Winner: eMoney for complexity. RightCapital for 90% of client situations.

Client experience

RightCapital: Modern client portal with task assignments, push notifications, and mobile app. Visual presentations make plans accessible.

eMoney: Robust client portal with account aggregation and decision tools. The interface is more traditional but comprehensive.

Winner: RightCapital for modern UX. eMoney for established client expectations.

Reporting and visualization

RightCapital: Cash Flow Maps (Sankey diagrams), Snapshots, and Blueprints provide visually engaging presentations that clients understand immediately.

eMoney: Decision Center allows real-time scenario modeling in meetings. Reports are comprehensive but more traditional in design.

Winner: RightCapital for visual appeal. eMoney for interactive modeling.

Mobile experience

RightCapital: Full-featured mobile app with push notifications for client engagement.

eMoney: iOS and Android apps available, supporting on-the-go access.

Winner: Tie—both offer solid mobile experiences.

User satisfaction

According to the Kitces Research Report (March 2025):

• RightCapital: 8.7/10 overall satisfaction
• eMoney: 8.5/10 overall satisfaction

RightCapital scored higher in 9 of 13 sub-categories.

Winner: RightCapital by user ratings.

Market adoption

Among XYPN members (fee-only advisors):

• 78% use RightCapital
• 16% use eMoney
• 6% use other platforms

Winner: RightCapital dominates the fee-only RIA space.

Who should choose RightCapital?

RightCapital is right for you if:

• You're a solo advisor or small RIA
• You want comprehensive planning without months of training
• Transparent pricing matters (no enterprise negotiations)
• Your typical client is mass-affluent ($500k-$5M)
• Visual presentations improve your client meetings
• You value modern UX and fast iteration

Ideal RightCapital user: A fee-only RIA with 50-200 clients who wants to deliver professional financial plans without spending hours on data entry or months learning software.

Who should choose eMoney?

eMoney is right for you if:

• You serve ultra-high-net-worth clients with complex needs
• Your practice handles trusts, equity compensation, or multi-entity structures
• Your firm has enterprise pricing through a broker-dealer relationship
• Clients expect the eMoney name and interface
• You need the deepest projection capabilities available

Ideal eMoney user: A wealth management team at a large RIA or IBD serving $5M+ clients with complex estate and tax situations.

What neither platform offers

Both RightCapital and eMoney excel at financial projections—modeling cash flows, retirement scenarios, and investment outcomes. But neither addresses the qualitative planning that high-net-worth families increasingly expect:

Values-based planning

Neither platform helps you document what clients actually care about—their family values, decision-making frameworks, or legacy intentions. You're left doing this on paper or not at all.

Family governance

For clients with $2M+ net worth, family governance becomes critical: How do they make financial decisions together? What's their investment philosophy? Neither tool provides frameworks.

Client-ready deliverables

RightCapital and eMoney produce advisor-facing plans. But what do you hand clients between meetings? What documents help them communicate with their CPA or estate attorney?

Estate document analysis

Clients have trusts and estate documents they don't understand. Neither platform helps them—or you—make sense of what they've already paid attorneys to create.

X1 Wealth: the client deliverable layer

X1 doesn't compete with RightCapital or eMoney for financial modeling. We think those platforms do projections well.

Instead, X1 provides the client-facing planning documents that complement your financial plans:

Family Constitution: Values articulation, decision frameworks, and governance structures your clients can actually use—the "soft side" of wealth planning that drives real behavior.

Family Office Outputs: Wealth Philosophy Profile, Risk DNA Report, Legacy Blueprint, and other documents that position you as a comprehensive advisor.

Estate Plan Analysis: Upload client trust documents and get plain-English explanations they can share with family members.

Advisor Packets: Shareable bundles of Pulse financial snapshots, Vault documents, and Family Office context that prep clients for advisor meetings.

Best for: Advisors who want to deliver family-office-quality planning documents without building them from scratch.

See how X1 complements your advisor tech stack →

Methodology

This comparison was developed through:

• Analysis of the Kitces Research Report on financial planning software
• Review of official documentation and pricing from both vendors
• User reviews across G2, Capterra, and advisor forums
• XYPN member adoption data
• Pricing verified as of January 2026 (may vary by firm size)

We have no affiliate relationship with RightCapital or eMoney.

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Looking for consumer-focused comparisons? See our guides to Monarch Money vs YNAB and Empower vs Betterment.