Verdict at a glance
Pick intelliflo if
Pick intelliflo if you're an advice firm needing a CRM and back office to run the whole client lifecycle.
How we compared: published fees, account types and review scores for each, verified against the provider’s own price pages.
The short version
Intelliflo Office has the larger UK installed base and integration ecosystem; XPLAN is more configurable for firms willing to invest in setup. Both are heavyweight practice systems with long implementations and enterprise pricing.
Why people compare them
The two incumbent back-office and CRM systems UK advice firms migrate between.
Price and fit, side by side
| Feature | intelliflo | Xplan |
|---|---|---|
| Cheapest paid plan | intellifloNot published | XplanNot published |
| Free tier | intellifloNo | XplanNo |
| Billed in pounds | intellifloNot published | XplanNot published |
| Best for | intellifloAdvice firms that need a CRM and back office to run the whole client lifecycle, not individuals planning their own finances | XplanAdvice practices of any size that want one system covering the whole advice process, from fact find to ongoing review |
Where intelliflo wins
- Deeply embedded in the UK advice market: intelliflo states it is trusted by 66% of the UK's top 150 financial advice firms
- Covers the parts of advice that planning tools ignore: client records, document management, workflow, account opening and revenue reconciliation
- A client portal is included, so firms can give clients a place to see their position and upload documents securely
Where Xplan wins
- Covers the entire advice process in one system: discovery, current position, goal setting, analysis, strategy, recommendation, documentation, implementation and review
- Scales from a sole trader IFA up to a large network, which few competitors genuinely manage
- Xplan Essentials exists as a fully hosted, managed and preconfigured version for smaller firms that do not want to run a big implementation
Decided? Here’s the next question.
The verdict on the platform is one question. Whether you’re actually saving enough is another, and Delphina answers it from what you already hold and what you pay in each month.
Free. No card required. About two minutes.
intelliflo vs Xplan: common questions
You can, and some people do, because they solve different halves of the problem. It does mean paying for both, so add the two annual figures together before deciding.
Judge it on billing currency, Open Banking coverage and whether ISAs and pensions are handled. Check each one against those three points, because a tool that scores well elsewhere can still be a poor fit in the UK.
intelliflo suits advice firms that need a crm and back office to run the whole client lifecycle, not individuals planning their own finances. Xplan suits advice practices of any size that want one system covering the whole advice process, from fact find to ongoing review. The one that matches how you already think about money will take less setting up.