Comparison
Worthune vs RightCapital
RightCapital is planning software for advisors with a published per-advisor price, a branded client portal and mobile app from its entry tier, and API access on its Enterprise tier. Worthune is not an advisor app: it is the household record, planning engine, and verified models that a firm or platform builds its own experience on, with public API documentation and a free sandbox. An independent advisor choosing planning software should compare RightCapital with other planning apps. A team building a client experience should compare the layer underneath.
Every claim below about RightCapital 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.
RightCapital
Financial planning software for advisors, with a branded client portal and a client-facing mobile app.
Financial advisors, including growing firms and new RIAs.
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 | RightCapital | |
|---|---|---|
| How it is delivered | REST API, MCP server, and a one-script-tag embed | Web planning software with a client portal and a client-facing mobile app |
| 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 — custom branding, a client-facing mobile app, and a document vault from the Basic tier up |
| Programmatic API | Yes — REST and MCP, no key required for the three sample models | API access is listed on the Enterprise tier only; no public API documentation was linked from the pricing page |
| Pricing model | Subscription; three models free with attribution, no per-run metering | Per advisor per month across four tiers; all plans require an annual commitment for the first year |
| Entry price | Free for three models; $495/month for the full catalog | $149.95 per advisor per month (Basic); Enterprise is quoted by sales |
| Free tier or trial | Three models, no signup and no key, attribution required | A 14-day free trial |
Where RightCapital is stronger
Transparent pricing and a complete client experience out of the box
RightCapital publishes its prices, offers a free trial, and gives every tier custom branding, a client-facing mobile app, and a document vault. For an independent advisor or a new RIA, that is a finished, branded client experience at a price you can read before calling anyone, which is exactly what most firms of that size want.
When Worthune is the wrong choice
If you are an advisor choosing planning software
Worthune would make you build the interface RightCapital already gives you. An advisor or small firm that wants to start planning with clients should pick a planning app; we are the wrong purchase unless someone on your side is writing software.
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.
API access from the first key
Our API, MCP server, and SDKs are documented publicly and available on the free sandbox key and every paid plan, not reserved for an enterprise tier.
Your interface, not a branded version of ours
Household embeds and a white-label reference build ship on your domains under your brand. The client never sees a third-party application.
Priced by households, not advisors
No per-seat pricing and no metering on calls. What scales is the number of active households, which suits platforms serving many firms.
Evidence attached to every projection
Versioned specifications, test cases you can run, sourced constants, and a record per run that ties each number to the version that produced it.
Questions
Common questions
- What does RightCapital cost?
- RightCapital publishes per-advisor monthly prices across four tiers, with an annual commitment for the first year and Enterprise quoted by sales. The entry price is in the table above with its source and check date.
- Does RightCapital have an API?
- Its pricing page lists API access on the Enterprise tier. We did not find public API documentation linked from that page on the date checked.
- Is Worthune cheaper than RightCapital?
- They are priced on different units, so the honest answer depends on your shape. Advisor software is priced per advisor; Worthune is priced per active household with no seats, and the computation is never metered. Our prices are on the pricing page.
- Can I try Worthune for free?
- 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
- RightCapital · Client-facing portal or app — www.rightcapital.com/pricing/, checked
- 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
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.