Best Financial Planning Apps 2026
by Anonymous
Financial planning apps go beyond budgeting to help you model your complete financial future. They aggregate accounts, project retirement readiness, analyze insurance needs, and optimize tax strategies. The best apps combine automated analysis with access to human advisors when needed. Choose based on your planning complexity and whether you need investment management alongside planning.
Empower (Personal Capital)
Free (advisory 0.89%)
monthly price
Yes, comprehensive
net worth tracking
Yes, Monte Carlo
retirement projections
Basic
tax optimization
Yes, investment fees
fee analyzer
Unlimited accounts
account aggregation
NewRetirement
Free / $120/yr Plus
monthly price
Yes
net worth tracking
Yes, detailed scenarios
retirement projections
Yes, Roth conversion analysis
tax optimization
No
fee analyzer
Manual + linked
account aggregation
Monarch Money
$9.99/mo
monthly price
Yes
net worth tracking
Basic
retirement projections
No
tax optimization
No
fee analyzer
Unlimited accounts
account aggregation
Boldin
Free / $120/yr Plus
monthly price
Yes
net worth tracking
Yes, detailed scenarios
retirement projections
Yes, withdrawal strategies
tax optimization
No
fee analyzer
Manual + linked
account aggregation
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