RightCapital Review

RightCapital is a modern financial planning platform for advisors, built around retirement, tax and cash-flow planning, and it is one of the few in its class to publish pricing openly, starting at $149.95 per advisor per month. It serves financial advisors, RIAs and planning professionals under per-advisor licensing. This review covers RightCapital's planning strengths, its transparent tiers, its AI features, and the gaps that push some complex-case advisors toward heavier tools. Whatever your practice size, you get published rates up front.

RightCapital's tagline, "financial planning software done right," reflects its market position. It competes largely on usability and value, offering approachable planning that advisors and clients find easy to navigate. That accessibility, paired with public pricing, has made it a fast-growing choice among planning-focused practices.

What RightCapital does

RightCapital sells four tiers, three with published per-advisor pricing and a custom Enterprise plan. Each builds on the last, adding aggregation, tax analysis, AI and firm-level tooling as you move up.

• Basic ($149.95/advisor/month) — retirement, tax, insurance, college and estate planning, plus Snapshot and Blueprint visualizations and 40+ integrations
• Premium ($209.95, most popular) — adds account aggregation, budgeting, the Tax Analyzer, RightIntel firm intelligence and the Iris AI agent
• Platinum ($254.95) — adds team collaboration, custom asset classes, firm-level assumptions and RightFlows workflows
• Enterprise (custom) — firm-level insights, unified licensing, API access and compliance tracking

A 14-day free trial is offered, and assistant access on higher tiers is a $40-per-month add-on.

Retirement and tax planning

Retirement and tax planning are RightCapital's strongest areas. The platform offers dynamic retirement planning with Monte Carlo simulations and stress tests, retirement income analysis and Social Security optimization. On the tax side, it models Roth conversions, tax-efficient withdrawals and asset location, with a dedicated Tax Analyzer on Premium and above.

For advisors whose clients are approaching or in retirement, tax-aware planning drives real decisions. RightCapital presents these scenarios in a way clients can follow, which supports better conversations.

Student loans and everyday tools

Where the planning tools really set RightCapital apart, though, is the student-loan module, a genuine differentiator. It models income-driven repayment and Public Service Loan Forgiveness eligibility in detail, which few planning tools handle well. That makes RightCapital especially useful if you serve younger professionals and physicians carrying significant education debt.

Everyday efficiency comes from Smart Import for AI-powered data entry and the Iris AI agent, available on Premium and above, which offers plan-checking, cash-flow reviews and a plan builder.

Who RightCapital fits

RightCapital fits cost-conscious, planning-focused advisors serving mainstream domestic clients who value an intuitive interface and transparent pricing. Its per-advisor model and free trial lower the barrier to adoption, and it cites third-party surveys ranking it highly for market-share growth and satisfaction.

The trade-off appears with complexity. Reviewers note RightCapital is less comprehensive than eMoney for high-net-worth clients with complicated situations, with documented gaps in advanced estate, international and business-owner planning. Advisors whose books skew toward those cases may need a heavier tool.

Want approachable, well-priced planning for mainstream clients? RightCapital is hard to beat on value. For complex HNW, estate or international work, verify it covers your cases first.

That value-versus-depth balance shapes both who buys RightCapital and how it compares on price.

RightCapital pricing

Pricing transparency is a real advantage here. RightCapital publishes per-advisor monthly rates: Basic at $149.95, Premium at $209.95 and Platinum at $254.95, with Enterprise quoted custom. Plans require an annual commitment for the first year, and a 14-day free trial lets firms evaluate before buying.

One caution on figures: some third-party aggregators still list older prices, around $124.95 for Basic and $149.95 for Premium, which appear stale. The official pricing page is authoritative, and a recent increase may explain the gap. Confirm the current rate directly, but the key point stands: unlike most rivals, RightCapital tells you the price up front.

Integrations and ecosystem

RightCapital advertises 40+ integrations, with named partners across the advisor stack. CRM connections include Redtail, Wealthbox and SmartOffice. Custodial partners span Schwab, Fidelity, Pershing, Altruist, LPL and others. Performance-reporting connections include Orion, Black Diamond, Addepar, Advyzon and Tamarac, and risk analytics come via Nitrogen.

That breadth means RightCapital slots into most tech stacks without forcing a change elsewhere. The total count beyond the "40+" marketing figure is not published, so treat that as the floor.

Strengths and drawbacks

RightCapital's strengths and limits both stem from its focus on approachable, mainstream planning.

Its strengths are usability, strong retirement and tax planning, the standout student-loan module, AI tooling and, notably, transparent pricing. For value-conscious planning firms, that package is compelling.

The drawbacks are depth-related. It is less comprehensive than eMoney for complex HNW cases, account aggregation setup draws complaints, and reviewers cite gaps in advanced tax-withdrawal sequencing, Social Security depth versus specialist tools, and estate, international and business-owner planning. No specific security certification appeared on the pages reviewed, so verify that directly if required.

Verdict

RightCapital earns an 8.5 out of 10 as an approachable, well-priced planning platform for advisors serving mainstream clients, with standout student-loan and tax tools. Its usability, transparent pricing and free trial make it easy to evaluate and adopt. The reservations are depth limits for complex HNW, estate and international work. Trial it against your real client cases, and confirm current pricing directly, since aggregator figures lag.

Compare RightCapital with other planning tools on our vendor matrix, or explore the financial planning software hub.

This review reflects information published on RightCapital's official site and third-party review platforms as of July 2026. It is editorial analysis, not financial or investment advice. Confirm current pricing and product details directly with the vendor.

Frequently asked questions

Does RightCapital have AI features?

Yes. Iris, described as a planning-focused AI agent, is available on Premium and above. It offers plan-checking, cash-flow reviews and a plan builder, alongside the AI-powered Smart Import for data entry.

Does RightCapital have AI features?

Yes. Iris, described as a planning-focused AI agent, is available on Premium and above. It offers plan-checking, cash-flow reviews and a plan builder, alongside the AI-powered Smart Import for data entry.

Does RightCapital have AI features?

Yes. Iris, described as a planning-focused AI agent, is available on Premium and above. It offers plan-checking, cash-flow reviews and a plan builder, alongside the AI-powered Smart Import for data entry.