Plot My Money and RightCapital compared

RightCapital is planning software that financial advisors use with their clients. Plot My Money is a planning app for households, with an Advisor plan for planners who work with clients. This page sets out where the two overlap and where they differ, using RightCapital's own public pages.

Who each one is for

RightCapital is sold to financial advisors and firms, priced per advisor. Its features page covers retirement, tax, insurance, investment, estate and education planning, plus a client portal and mobile app. Its pricing page adds account aggregation, budgeting tools and the Iris AI planning agent on the Premium tier and up.

Plot My Money is for US households planning for retirement or already retired. It shows what's safe to spend each month, tests the plan across thousands of simulated markets, and plans taxes, Social Security and withdrawals year by year. It runs in a browser on phones and computers, and has an Advisor plan for planners who work with clients.

Features side by side

“Not published” means we didn't find the feature on RightCapital's public pages. It doesn't mean the feature is missing.

Notes on the table

• RightCapital has no free plan on its pricing page. It offers a 14-day free trial.
• Its probability of success comes from a Monte Carlo simulation of 1,000 trials, per its analysis help article. Its stress test applies one hypothetical stress at a time, such as a market drop or higher inflation.
• Medicare is marked Partial because its tax planning page describes Roth conversions up to Medicare premium brackets. We didn't find a separate IRMAA projection described.
• CSV is marked Partial because its estate help article describes downloading trust cash flows as .csv files. We didn't find a general export described.
• Account aggregation, budgeting and the Iris AI planning agent are listed on the Premium tier and up.
• Its features page says “Client Portal and Mobile App” but doesn't name the phone platforms.
• Plot My Money runs up to 1,000 simulated markets on the free plan and up to 10,000 on Plus.
• Plot My Money on a phone is an installable web app, not a store app.
• Plot My Money doesn't link accounts. You enter balances by hand or import them from files.

Pricing as published

Plot My Money has a free plan and two paid plans. Plus covers your household, at a yearly price of the amount shown before you subscribe. The Advisor plan covers a set number of client households, at a yearly price of the amount shown before you subscribe. Until paid plans go on sale, every feature is included for every household. See plans and billing.

RightCapital (from its pricing page, checked November 5, 2026):

• Basic: $149.95 per advisor per month.
• Premium: $209.95 per advisor per month.
• Platinum: $254.95 per advisor per month.
• Enterprise: contact sales.
• All plans require an annual commitment for the first year.
• Assistant access is $40 per assistant per month.
• A 14-day free trial is offered.

Where RightCapital is stronger

• Practice integrations. Its integrations page lists CRMs, asset custodians, performance reporting and data tools. Plot My Money has no CRM or custodian links.
• Account aggregation and budgeting. Clients can link bank, card, loan and investment accounts and track a monthly budget, per its features page.
• An AI planning agent. Iris includes Double Check and Ask Iris Anything, per its features page. Plot My Money has no AI assistant.
• A client mobile app alongside the client portal.
• Firm tools. Higher tiers add team collaboration, firm-level assumptions, API access and compliance tracking, per its pricing page.
• Tax return reading. Advisors can upload a tax return as a PDF for its Tax Analyzer, per its tax planning page.

Who should pick which

• Pick RightCapital if you run an advisory practice and want planning, aggregation, a client app and CRM or custodian links in one subscription.
• Pick RightCapital if your firm needs team seats, firm-level settings or compliance tracking.
• Pick Plot My Money if you're a household planning your own retirement and want monthly safe-to-spend figures and detailed tax and Social Security modeling.
• Pick Plot My Money if you're an advisor who wants to set up plans and hand them to clients, and you don't need CRM or custodian links.

How to switch

Plot My Money doesn't import RightCapital files, so you set up your plan again. Have your latest balances, pay, spending and Social Security estimates to hand.

1. Start a plan and answer the setup questions about your household, income, spending and accounts.
2. If you have a holdings file, import it as Excel or CSV on the Accounts screen.
3. Add Social Security from your SSA statement, plus pensions and any other income.
4. Compare the results with your old plan. Differences usually come from assumptions about returns, inflation, taxes and spending.

You can download your plan as a JSON file at any time. See getting started and importing and exporting.

Sources

Each page below was read on November 5, 2026.

• RightCapital pricing
• RightCapital features
• RightCapital tax planning
• RightCapital integrations
• RightCapital blog: dynamic retirement spending strategies
• RightCapital help: retirement analysis module
• RightCapital help: stress test
• RightCapital help: estate analysis
• RightCapital help: Social Security income