Guide
Alternatives to eMoney for advisors, firms, and platforms
The main alternatives to eMoney split by who uses them. For advisors who want planning software, MoneyGuide and RightCapital are the established choices, and both publish per-advisor prices. For firms building their own client experience, Conquest Planning is an enterprise engine built to sit under a firm's brand, Boldin offers a co-branded planner with an API and widgets, and Worthune is a self-serve household and planning API with a published price and a free sandbox.
Written by Worthune. Last reviewed . We sell one of the things described here — the caveats section says where that shows.
The eMoney alternatives worth comparing, and who each is for:
Best for goals-based planning, and for firms on Envestnet
Established goals-based planning software with a client planning portal, and MoneyGuideEngine for firms that want the same engine under their own interface.
$2,000 per advisor per year, or $175 per month on an annual subscription; list prices exclude applicable taxes
Best for independent advisors who want a price they can read
Published per-advisor pricing, a free trial, and a branded client portal and mobile app from the entry tier. API access sits on the Enterprise tier.
$149.95 per advisor per month (Basic); Enterprise is quoted by sales
Best for large institutions embedding an engine
Built headless to drop into a firm's stack and brand, with an open API, an MCP server for eligible firms, and a homepage list of large institutional clients.
Not stated publicly; enterprises request a quote, firms over ten advisors a demo, and independent advisors join a waitlist
Best for platforms that want to build and evaluate self-serve
The household record, a whole-household planning engine, and verified models over a public API, MCP server, SDKs, and embeds under your brand. No advisor app of its own.
Published: a free 30-day sandbox key, then Launch at $495 a month, priced by active households with no seats and no metering on calls.
- 05
Boldin
Best for employers and plan providers serving individuals
A consumer planner deployable co-branded, with a documented data API, embeddable widgets, and an MCP server.
Not stated publicly for enterprise or API access; the enterprise page routes to a demo
Method
How we compared these
A list without a method is an opinion wearing a table’s clothes. These are the axes, including the one we are biased toward.
Who uses it: the advisor, the client, or your own software
Planning apps put advisors in a finished interface. Engines and APIs sit under an interface a firm or platform builds. Both are legitimate purchases, and comparing one with the other on features alone produces the wrong answer.
Whether the price is published
Some vendors in this category publish per-advisor list prices; others quote every deal. We record which, with the page checked and the date, rather than repeating figures from other vendors' comparison pages.
How the API is reached
A public reference and a self-serve key, a developer sign-up, an enterprise tier, or a sales conversation. The route decides whether engineering can evaluate before procurement starts.
Whose brand the client sees
A vendor's portal with your logo, a co-branded deployment, or embeds on your own domains. Firms differ on how much this matters; it should be decided on purpose rather than discovered after signing.
Read this part
Where this list is weakest
- This list is published by one of the five. Every price and access term is sourced and dated on the matching comparison page; the ordering and the labels are our judgment.
- Worthune is not a substitute for eMoney for an advisor who wants a finished planning application. It is an alternative only for a firm or platform building its own experience.
- Specialist tools that advisors run alongside a planning platform, such as retirement-income or tax-planning software, are a different purchase and are not covered here.
Questions
Common questions
- What is the best alternative to eMoney?
- For an advisor replacing planning software, MoneyGuide and RightCapital are the usual comparisons, and both publish prices. For a firm or platform that wants planning under its own brand rather than in a vendor's app, compare engines instead: Conquest Planning for an enterprise rollout, Boldin for a co-branded consumer planner, and Worthune for a self-serve API.
- Which eMoney alternatives publish their pricing?
- MoneyGuide and RightCapital publish per-advisor list prices, and Worthune publishes its plans. eMoney, Conquest Planning, and Boldin's enterprise offering do not state prices on the pages we checked; each comparison page records the page and the date.
- Is there an eMoney alternative with an API I can build on?
- Several. MoneyGuide offers MoneyGuideEngine through sales, Conquest Planning describes an open API, Boldin documents a data API and widgets, RightCapital lists API access on its Enterprise tier, and Worthune publishes its API reference and issues a free sandbox key. eMoney itself also offers enterprise APIs.
- Can I connect an AI assistant to a planning platform?
- Conquest Planning offers an MCP server to eligible firms, Boldin publishes one, and Worthune's MCP server answers three models with no key and the household tools with any key. Check what each server can change: Worthune's agent proposes moves for an advisor to approve and executes nothing.
Sources
Claims about named vendors are sourced and dated on their individual comparison pages under /vs.
Product names and trademarks belong to their owners and are used here only to identify what is being described. Nothing here implies endorsement or affiliation. Found something out of date? Tell us at support@worthune.com and we will re-check it.