Best financial planning software of 2025: Boldin
/Financial planning involves the interplay of multiple, often complex variables. Think: current and future savings and expenses, projected investment returns, evolving tax rates, debts, windfalls, hopes, dreams, the Social Security trust funds’ solvency and more.
Here’s where financial planning software sashays into the room for its hold-my-beer moment: Unlike piecemeal apps designed for budgeting, portfolio management and tax planning, these tools take into account the interaction between all aspects of your financial life at once with functionality that far exceeds what you get from even the most souped-up retirement calculators.
Actions have consequences, and financial planning software helps you see exactly how different decisions impact your future.
Top tools for financial planning
The best financial planning software allows you to track, analyze, project and play out what-if scenarios to chart a course of action to achieve your goals. The providers on this list were chosen based on reputation, cost, comprehensiveness, customizations and quality of analysis.
Each works well as a standalone solution for financial planning or in conjunction with working with a financial advisor. In fact, some offer the option to get hands-on help — in the form of guidance from a certified financial planner (CFP) or portfolio management — for an additional fee.
Boldin — Best for comprehensive financial planning and those who want the option to get occasional advice from a pro