Verdict at a glance
Pick RightCapital if
Pick RightCapital if you're a US financial adviser running planning and workflows across a client book.
How we compared: published fees, account types and review scores for each, verified against the provider’s own price pages.
The short version
eMoney is the deeper enterprise platform with a stronger client portal; RightCapital is cheaper and quicker for smaller firms. Both are US planning engines and neither is licensed or built for UK tax.
Why people compare them
The most-searched head-to-head among US financial planners choosing planning software.
Price and fit, side by side
| Feature | RightCapital | eMoney Advisor |
|---|---|---|
| Cheapest paid plan | RightCapital$149.95 per month | eMoney AdvisorNot published |
| Free tier | RightCapitalNo | eMoney AdvisorNo |
| Billed in pounds | RightCapitalNo | eMoney AdvisorNot published |
| Best for | RightCapitalUS financial advisers running planning and workflows across a client book | eMoney AdvisorUS advisory firms and institutions running planning at scale |
Where RightCapital wins
- Publishes its prices openly, which is rare among adviser platforms and makes it easy to compare
- Strong tax and retirement distribution planning, aimed at the decisions advisers get paid to get right
- Client-facing portal, so the plan is something the client can look at rather than a PDF they were emailed once
Where eMoney Advisor wins
- Supports both goals-based and cash flow planning, so a firm is not forced into one methodology across every client
- Built for scale, with tiers running from individual advisers up to enterprise deployment at banks and broker-dealers
- A well-established client portal and account aggregation layer, so clients see a live picture rather than an annual review pack
Where both fall short
- Neither handles ISA allowances or the tax wrapper decisions around them.
- Neither applies UK tax rules to what it shows you.
- Both are built US-first, so UK users pay in dollars and work around US assumptions.
If neither is quite right
If what you actually want is the retirement answer rather than a better dashboard, that is the gap Delphina was built for: UK pensions, ISAs and tax, projected to the age you want to stop. It does not do the job RightCapital does for us financial advisers running planning and workflows across a client book, so if that is the real problem, RightCapital is still the better buy. Free plan is £0, no card.
See where you actually stand, free
Track your net worth, assets and a five-year forecast built on your real position, not a guess. Free plan, no card.
See where I standDecided? 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.
RightCapital vs eMoney Advisor: 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. eMoney Advisor has the edge here, because RightCapital bills in a foreign currency.
RightCapital suits us financial advisers running planning and workflows across a client book. eMoney Advisor suits us advisory firms and institutions running planning at scale. The one that matches how you already think about money will take less setting up.
Delphina covers the gap both leave, which is UK pensions, ISAs and tax projected forward to retirement. The trade-off is that it does not do the job RightCapital does for us financial advisers running planning and workflows across a client book, so if that is the real need, pick one of these two.