Top Financial Planning Software Program Options in 2025

Having a plan for your finances is crucial. Because  a comprehensive financial plan can include everything from budgeting, saving and investing to paying off debt and creating a roadmap to retirement, some help staying organized in the process can come in handy. Financial planning software can do just that, offering a range of features and tools. Here’s a look at some of the top options out there. 

Working with a financial advisor can help coordinate the various parts of creating your personal money plan. 

• Fees: Free to start, individual products cost may vary
• Apple Store Rating: 4.8
• Google Play Rating: 4.2

Empower, formally Personal Capital, is a popular financial planning software option for both beginners and those more experienced with money management. The free version of the software includes all the features necessary for basic financial planning, including:

• The ability to link all of your financial accounts, including retirement and investment accounts, in one place
• A net worth tracker
• A tool to find hidden fees you might be paying for your investments
• Budgeting and cash flow tools to track spending
• Goal trackers for your spending and savings targets
• Tools for forecasting retirement and college savings outcomes

These features are included in the software at no charge and offer a comprehensive view of your finances. If you need help choosing investments, Empower also offers wealth management services for a fee.

• Fees: Free to start, individual products cost may vary
• Apple Store Rating: 4.5
• Google Play Rating: 4.2

Honeydue stands out as a top choice for couples seeking a collaborative approach to financial planning. Designed specifically for partners doing financial planning, this program makes it easy to track shared expenses, set joint budgets and communicate about money in real time. Its user-friendly interface and mobile-first design allow couples to stay connected to their finances, whether they’re managing day-to-day spending or planning for long-term goals together.

One of Honeydue’s most notable features is its ability to sync multiple bank accounts, credit cards and loans, giving both partners a comprehensive view of their financial landscape. The app allows users to categorize transactions, set custom alerts for bills and budget limits and even chat within the platform about specific expenses. This transparency can help reduce misunderstandings and foster healthier financial conversations between partners.

• Fees: $5.99/month
• Apple Store Rating: 3.7
• Google Play Rating: 4.4

One of the main attractions of Quicken Simplifi is its intuitive dashboard, which provides a real-time overview of your financial life. Users can easily link bank accounts, credit cards, loans and investments, allowing for automatic transaction imports and categorization. This automation not only saves time but also ensures that your financial data is always up to date, helping you make informed decisions about spending and saving.

Quicken Simplifi goes beyond basic budgeting by offering customizable spending plans and savings goals. The software analyzes your income and expenses to suggest realistic budgets, while also tracking your progress toward specific financial objectives, such as building an emergency fund or saving for a vacation. These personalized insights empower users to stay on track and adjust their plans as life changes.

• Fees: $99/year
• Apple Store Rating: 4.9
• Google Play Rating: 4.7

Monarch Money stands out as a modern financial planning software program designed to help individuals and families take control of their finances. With a user-friendly interface and robust features, Monarch Money makes it easy to track spending, set budgets and monitor investments all in one place. Both beginners and experienced users will appreciate the intuitive design that makes it easy to get a comprehensive view of their financial health.

Monarch Money allows users to aggregate their financial data from multiple accounts, including bank accounts, credit cards, loans and investment portfolios. This can make it g easier to identify trends, spot potential issues and make informed decisions. The software also offers customizable categories and detailed reporting, which can be invaluable for anyone looking to optimize their financial planning.

• Fees: Free to start, individual products cost may vary
• Apple Store Rating: 4.5
• Google Play Rating: 4.7

Rocket Money has quickly become a popular choice among consumers seeking to streamline their financial planning. Formerly known as Truebill, this software is designed to help users manage subscriptions, track spending and optimize their budgets with ease. Its intuitive interface and robust suite of features make it accessible for both beginners and those with more advanced financial needs.

A notable feature of  Rocket Money is its ability to automatically identify recurring subscriptions and suggest opportunities to save money by canceling unused services. The platform also provides detailed spending insights, helping users understand where their money goes each month. With customizable budgeting tools and real-time alerts, Rocket Money empowers individuals to take control of their finances and make informed decisions.

• Fees: Free to start, individual products cost may vary
• Apple Store Rating: 3.1
• Google Play Rating: 3.4

PocketSmith is designed with user experience in mind, offering a clean dashboard and easy navigation. The platform supports automatic bank feeds in many countries, reducing the need for manual data entry and ensuring your financial information is always up to date. Its visual reports and charts make it simple to spot trends, identify areas for improvement and celebrate progress, which can be especially motivating for users new to financial planning.

Users can link multiple bank accounts, categorize transactions and create custom budgets that reflect their unique needs. The software’s calendar-based forecasting tool lets you project your account balances days, months or even years into the future, making it easier to anticipate upcoming expenses and plan for long-term goals like buying a home or saving for retirement.

• Fees: $9.99/year
• Apple Store Rating: 4.2
• Google Play Rating: 4.5

If you’re looking for a reliable tool to help you organize your finances and plan for the future, CountAbout is a strong contender among today’s top financial planning software program options. CountAbout is particularly well-suited for users who value privacy, customization and ease of use in their financial planning software. Its straightforward design and compatibility with other popular platforms make it accessible for both beginners and experienced budgeters. 

Among CountAbout’s standout features is its automatic transaction syncing with thousands of financial institutions, which saves users time and reduces manual entry errors. The software also allows for highly customizable categories and tags, so users can tailor their budget tracking to fit their unique needs. For those focused on long-term financial planning, CountAbout provides detailed reporting tools that help visualize spending trends and identify opportunities for saving or investing more effectively.

• Fees: $74.99/year
• Apple Store Rating: 4.6
• Google Play Rating: 4.6

PocketGuard is a user-friendly financial planning software designed to help individuals take control of their everyday finances. With its intuitive interface, PocketGuard makes it easy for users to track spending, set budgets and identify opportunities to save money. This software is particularly popular among those looking for a straightforward way to manage their cash flow without getting bogged down by overly complex features.

PocketGuard offers a real-time connection that allows users to see a complete picture of their finances at a glance. The app automatically categorizes transactions, making it simple to monitor where your money is going and spot trends in your spending habits. For anyone seeking to stick to a budget or reduce unnecessary expenses, PocketGuard offers practical tools and personalized insights.

• Fees: Free to start, individual products cost may vary
• Apple Store Rating: 4.7
• Google Play Rating: 4.3

EveryDollar is particularly well-suited for individuals and families who want a straightforward, no-nonsense approach to budgeting. Its focus on zero-based budgeting makes it ideal for those who want to ensure that every dollar is working toward a specific goal. Whether you’re new to budgeting or looking for a more structured way to manage your finances, EveryDollar offers the tools and guidance needed to succeed.

Users can quickly create monthly budgets, track expenses and monitor progress toward savings goals. The software offers both a free version and a paid version, EveryDollar Plus, which includes bank connectivity for automatic transaction imports. This flexibility allows users to choose the level of automation and support that best fits their needs.

• Fees: $79/year
• Apple Store Rating: n/a
• Google Play Rating: n/a

Unlike many other platforms that rely on preset dashboards and categories, Tiller Money integrates directly with Google Sheets and Microsoft Excel, allowing users to automatically import their financial transactions and balances into customizable spreadsheets. This approach may appeal to those who appreciate the flexibility of spreadsheets but want to avoid the tedious process of manual data entry.

Users can create their own budgeting templates, track spending in the categories that matter most to them and set up personalized financial goals. The software provides a variety of templates to get started, but the real power lies in the ability to tailor every aspect of your financial plan. This makes Tiller Money especially attractive for people who have unique financial situations or want to experiment with different budgeting methods.

Online services for financial planning make it easier to build an initial plan, and from there, track your savings and spending to stay on track. Before you make a decision as to which software to use, it can help  to write down the goals you want to plan for. By doing this, you can ensure that the benefits of whichever software you select align with your overall needs.

• Consider working with a financial advisor to build a financial plan that’s tailored for your goals and needs. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
• Before selecting a financial planning software, assess your needs. For instance, are you looking for a program that focuses on weekly and monthly budgeting? Do you need something that includes long-term retirement planning and other tools to help you grow your wealth? The answers to these questions will lead you to the best options for you.

Photo credit: ©iStock.com/dusanpetkovic, ©iStock.com/Jirapong Manustrong