Financial Planning Software: RightCapital Plans Explained

Financial advisors evaluating financial planning software often ask the same question: Which RightCapital plan should I choose? The right subscription for you (Basic, Premium, or Platinum) depends on how your firm is structured, how many team members will use the platform, and which workflows matter most, from client engagement and plan delivery to account aggregation, tax planning, and team oversight. A 1:1 demo helps to identify the right features to match your processes and growth goals.

Note: If you’re part of a larger firm, certain features or settings may vary slightly based on firm-level configurations.

RightCapital subscription options

RightCapital offers three tiers of financial planning software subscriptions, each with progressively more advanced capabilities:

• Basic
• Premium
• Platinum

All plans require an annual commitment for the first year.

What every RightCapital subscription includes

No matter which tier you choose, every RightCapital plan includes the core tools advisors rely on to create modern, interactive financial plans:

Advanced financial planning modules

All subscriptions include advanced features across major planning needs:

• Investment planning
• Retirement planning
• College planning
• Insurance planning
• Tax planning
• Estate planning
• Advanced business planning

These modules help advisors build comprehensive and flexible recommendations that can evolve as clients’ lives and situations change.

Client-friendly visualizations

RightCapital is known for clean, intuitive visuals that make it easier to communicate complex planning concepts.

• Snapshot: A clear, personalized alternative to long-form plan documents. Build a streamlined plan summary using key charts, plus advisor notes and commentary in free-form text boxes.
• Blueprint: A dynamic view of household net worth, goals, income, savings, and expenses, helping advisors quickly spot missing data or changes, and the ability to update information directly in the visual layout.
• Cash Flow Maps: Visual cash inflows/outflows with two formats: Waterfall (a horizontal Sankey chart showing cash flowing from left to right) and Breakdown (a vertical chart that allows you to click into individual items for details).

Client portal + client-facing mobile app

Invite clients to the client portal and mobile app (the first client-facing mobile app in the industry) and control which sections of RightCapital they can view or interact with. You can also:

• Customize branding (logos, colors)
• Use the secure Vault for document uploads
• Assign Tasks to keep clients engaged between meetings

Time-saving integrations and templates

Reduce manual data entry and streamline operations by connecting RightCapital to your broader advisor tech stack (CRM, custodians, etc.). Templates help standardize processes including, but not limited to:

• Planning access
• Tasks
• Budget categories
• Vault organization

Industry-leading customer support

RightCapital’s support team is available through:

• Phone
• Email
• In-platform chat
• Scheduled case reviews

Premium plan: Tools for faster planning and deeper insights

The Premium subscription is designed for advisors who would like more automation, deeper client insights, and additional planning tools that support ongoing advice. It includes everything in the Basic subscription, plus the following upgrades:

Account aggregation + budgeting tools

The Premium subscription adds account aggregation so clients can link accounts for balances to update automatically (typically nightly). You also have access to budgeting features, including the ability to auto-categorize transactions, helping clients understand spending patterns and cash flow.

RightIntel® business intelligence dashboard

RightIntel, the business intelligence tool that allows you to see trends and opportunities across your book of business, is included with your RightCapital Premium subscription. Proactively identify planning opportunities with information from the dashboard, giving you visibility into key planning and client data such as:

• Insurance coverage
• Account values
• Interest rates

RightRisk™ (integrated risk assessment)

RightCapital’s Premium subscription comes with RightRisk, which adds risk tolerance analysis inside the plan, including:

• Visual risk tolerance summaries
• Household-level risk comparisons
• Interactive risk-return analysis
• Customizable questionnaires

Tax Analyzer

RightCapital’s Tax Analyzer is included in Premium subscriptions. Tax Analyzer uses advanced OCR to read uploaded tax forms in seconds, populate relevant fields, and support tax-aware planning, so advisors can model alternative scenarios and identify strategies to reduce clients' tax burdens.

RightExpress™ prospecting tool

The Premium subscription adds access to RightExpress, helping advisors build a simplified plan for prospects using up to six RightCapital modules. It supports:

• Fast prospect data capture
• Instant delivery of a preliminary plan (to demonstrate value early)
• Seamless transition from RightExpress to a full client plan after onboarding

Iris™ AI planning agent

New in 2026, Iris is now available with Premium and above subscriptions. Iris is the first AI agent to directly interpret client data, capable of assisting advisors in reviewing RightCapital profile information, surfacing plan anomalies or areas of concern, and running retirement plan simulations directly in the advisor workflow.

Sample Iris AI planning agent capabilities include:

• Double Check: Review client profile data to identify missing information or inconsistencies, and how those issues may be impacting the plan.
• Cash Flow Reviews: Identify key planning points to address with the client, surfacing anomalies, assumption risks, and planning gaps that may raise potential cash flow concerns in the plan.
• Plan Builder: Set a probability of success goal for a plan, leverage an interactive menu to identify which plan components the client is open to adjusting (such as retirement age or living expenses), and Iris will present three strategies to meet that goal.

Platinum plan: Firm controls and team collaboration

The Platinum subscription is built for firms that require stronger internal coordination, consistency across advisors, and firm-level oversight. This plan includes everything available in the Premium subscription plus:

Team collaboration + oversight

Many advisors choose Platinum for enhanced collaboration, especially when:

• Clients are shared across multiple advisors
• Firms have additional compliance review needs
• Leadership requires visibility into planning processes

Firm-level assumptions and models

Platinum adds firm-wide controls, including the ability to standardize items such as:

• Custom asset classes
• Assumptions
• Models

This supports consistency across plans and advisor teams.

RightFlows™ workflow management

The RightCapital Platinum subscription includes RightFlows, a workflow tool designed specifically for financial planning, including direct collaboration with clients. Features include:

• Assignable client tasks
• Centralized, kanban-style dashboard for tracking progress
• Consistent processes across your team, with flexibility where needed

Enterprise (50+ advisors): What to expect?

Enterprise solutions

If your firm has 50 or more advisors, we recommend contacting our Enterprise team so we can understand your firm’s needs and recommend the best-fit configuration.

Optional add-ons: RightPay® and assistant access

In addition to subscription tiers, RightCapital offers add-ons that many firms use to expand functionality.

RightPay payment system

RightPay enables easy fee collection inside the platform with:

• Flexible payment options
• Streamlined advisor workflow
• A smooth client experience

Assistant access (Premium and Platinum)

Premium and Platinum subscribers can add assistant access for an additional monthly fee.

• Premium: Allows for one assistant license add-on
• Platinum: Can support multiple assistant licenses

Assistant access is typically used for data entry and review, while fiduciary responsibility remains with the advisor.

Ready to compare pricing or see the plans in action?

Visit the RightCapital pricing page for subscription costs or schedule your 1:1 RightCapital demo for a recommendation tailored to your firm, workflows, and growth goals.