Comparison
Worthune vs MoneyGuide
MoneyGuide is goals-based planning software sold per advisor, with a published price, a client planning portal, and MoneyGuideEngine, an API suite exposing the same engine and reached through a sales representative. Worthune is API-first from the start: the household record, a whole-household planning engine, and verified models, with public documentation and a free sandbox key. Both publish a price. The difference is the buyer: MoneyGuide is bought per advisor seat, Worthune by the firm or platform building its own experience.
Every claim below about MoneyGuide carries the page it was read from and the date. Oldest check on this page: .
Worthune
Unified household management, a whole-household planning engine, and verified financial models, delivered as a REST API, an MCP server, SDKs, and embeds that customers ship under their own brand. Every model has a published spec and returns a per-run audit record.
Wealth-management firms and the platforms that serve them, and developers at fintech, wealthtech, banking, and AI companies.
MoneyGuide
An interactive goals-based planning platform for advisors, with a client planning portal and the MoneyGuideEngine API suite.
Financial advisors and their clients.
Side by side
Sourced facts only. Where a cell says a vendor does not publish something, that means we looked at the page named in the sources below on the date shown and it was not there — not that the answer is no.
| Worthune | MoneyGuide | |
|---|---|---|
| How it is delivered | REST API, MCP server, and a one-script-tag embed | Web planning software, a client planning portal, and the MoneyGuideEngine API suite |
| Programmatic API | Yes — REST and MCP, no key required for the three sample models | Yes — MoneyGuideEngine, the API engine behind MoneyGuide, launched in 2021; access is through a sales representative |
| Client-facing portal or app | No app of our own; household embeds and a white-label reference build ship under the customer's brand, with attribution removal on Growth | Yes — a client planning portal; the developer documentation also shows plan results rendered inside a firm's own portal through the APIs |
| Pricing model | Subscription; three models free with attribution, no per-run metering | Per-advisor annual subscription, payable annually or monthly, with add-ons priced per user |
| Entry price | Free for three models; $495/month for the full catalog | $2,000 per advisor per year, or $175 per month on an annual subscription; list prices exclude applicable taxes |
| Free tier or trial | Three models, no signup and no key, attribution required | A free trial, “no credit card required”; its length is not stated |
| Track record, as published | A new company with a small team and no published customer list | The 2021 MoneyGuideEngine announcement cites more than 210 integrations and Envestnet serving over 105,000 advisors |
Where MoneyGuide is stronger
A mature engine with a long integration list
MoneyGuide has been a standard advisor planning tool for many years, and its engine is available both inside the app and as an API to platforms that want it under their own interface. It sits inside the Envestnet ecosystem, and its engine announcement cited hundreds of integrations (see the track-record row). For a firm already on Envestnet, that integration depth is worth more than anything we could put on this page.
When Worthune is the wrong choice
If you want goals-based planning your advisors can use today
A firm that wants advisors running goals-based plans with clients this quarter should buy a planning app, and MoneyGuide is one of the established choices with a price you can read. Worthune does not ship an advisor interface; it is the layer under one, and the comparison only makes sense if you are building.
Our case
Where we think the difference actually matters
This section is our opinion rather than sourced fact, and it is marked that way on purpose — the table above is what a source URL can settle, and this is what it cannot.
Self-serve API access
Our API reference, OpenAPI document, MCP tools, and SDKs are public, and a free sandbox key arrives by email. A platform team can evaluate the engine without a procurement conversation.
Households, not just plans
A household is a durable record with an id, bulk import, webhooks, and drift detection, and a decision history kept per household. The plan is one output of that record, not the whole product.
Priced by households, not seats
Model calls are never metered and there are no per-advisor seats. Plans scale by active households, so adding an advisor does not change the bill.
Evidence a reviewer can check
Versioned specifications, downloadable test cases, sourced constants with check dates, and a record with every run. A compliance reviewer can see where a number came from months later.
Questions
Common questions
- What does MoneyGuide cost?
- MoneyGuide publishes per-advisor list prices on its products page, with higher tiers and per-user add-ons; the entry figure is in the table above with its source and check date. List prices exclude applicable taxes.
- What is MoneyGuideEngine?
- The API suite behind MoneyGuide, launched in 2021, which lets a firm or platform use the planning engine under its own interface. Its developer documentation directs firms to their sales representative for access.
- Is Worthune an alternative to MoneyGuide?
- For a firm or platform building its own client experience, yes: Worthune supplies the household record, the planning engine, and the models through an API, an MCP server, and embeds under your brand. For an advisor who wants a finished planning app, no.
- Can I try Worthune without talking to anyone?
- Yes. The household engine runs on the website demo with no account, and a free sandbox key opens the full catalog and stored households for thirty days.
Sources
Every claim above, and where it came from
- MoneyGuide · Entry price — www.moneyguidepro.com/ifa/home/products, checked — Higher tiers on the same page: Wealth Studios and Platform.
- MoneyGuide · How it is delivered — www.moneyguidepro.com/, checked
- MoneyGuide · Client-facing portal or app — developer.envestnet.com/use-cases/moneyguide/know-where-they-stand, checked
- MoneyGuide · Free tier or trial — www.moneyguidepro.com/ifa/Home/Trial, checked
- MoneyGuide · Track record, as published — prnewswire.com/news-releases/envestnet--moneyguide-launches-moneyguideengine--api-based-financial-planning-301232063.html, checked — Figures are as of the 2021 announcement; Envestnet was acquired by Bain Capital affiliates in 2024.
- Worthune · Free tier or trial — worthune.com/pricing, checked
- Worthune · Programmatic API — worthune.com/docs, checked
- Worthune · Client-facing portal or app — worthune.com/pricing, checked
- Worthune · Track record, as published — worthune.com/ai-info, checked
Product names and trademarks belong to their owners and are used here only to identify the products compared. Nothing on this page implies endorsement or affiliation. Found something out of date? Tell us at support@worthune.com and we will re-check it.