Honest Comparison · 2026

EnoughMoney vs RightCapital

RightCapital is professional-grade financial planning software built for registered investment advisors (RIAs) and CFPs — not a consumer product. Clients use it through their advisor.

Bottom Line

RightCapital is the industry-standard advisor software; it's genuinely excellent but only accessible through a financial advisor. EnoughMoney is what you use if you're doing this yourself.

Feature-by-Feature Comparison

Feature	EnoughMoney	RightCapital
Retirement Math
Safe Withdrawal Rate Calculator	✓Yes	✓Yes
Monte Carlo simulation	✓Yes	✓Yes
Historical returns backtest	✓Yes	✓Yes
Dynamic / variable withdrawal (Guyton-Klinger, VPW)	✓Yes	✓Yes
Sequence-of-returns risk modeling	✓Yes	✓Yes
Tax Planning
US federal tax engine	✓Yes	Best-in-class
US state tax (all 50 states)	✓Yes	✓Yes
International tax (86 countries)	✓Yes	✗No
Roth conversion modeling	✓Yes	✓Yes
Tax-optimized withdrawal sequencing	✓Yes	Best-in-class
Geographic Intelligence
City cost-of-living comparison	✓Yes	✗No
Cities covered	307	None
Geo-arbitrage FIRE modeling	✓Yes	✗No
Lifestyle-tier simulator	✓Yes	✗No
Planning & Experience
Multi-account portfolio tracking	✓Yes	✓Yes
What-if scenarios	✓Yes	✓Yes
AI-powered coaching	✓Yes	✗No
Public calculators (no login)	✓Yes	✗No
Mobile access	Web-responsive	Advisor-branded native app

Based on publicly available feature documentation as of 2026-04-17. Corrections and updates welcome.

Pricing: RightCapital vs EnoughMoney

RightCapital

Advisor-only: ~$150 per month per advisor — No consumer tier

EnoughMoney

Free: All public calculators (FIRE, SWR, Roth, tax, city comparison) — no signup.

Navigator: $19/mo or $15/mo annual ($179/yr)the money dimension — personal CFO: FIRE planning, tax, withdrawal, lifestyle simulator
Architect: $29/mo or $23/mo annual ($279/yr)all 10 dimensions of a wealthy life — adds Studio, Thread, life-events planning, emotional resilience

What RightCapital Does Well

✓Comprehensive advisor-grade planning: retirement, tax, estate, insurance, college funding all in one module
✓Interactive client-facing visualizations; advisors can produce high-quality plans quickly
✓Deep US tax modeling including Tax-Smart Distributions (drawdown sequencing)
✓Strong integration with custodians (Schwab, Fidelity, TD) and account aggregators
✓Used by thousands of RIAs — mature, reliable, well-supported

Where EnoughMoney Goes Further

→Not available to individuals — you must have an advisor using RightCapital to access it
→No direct-to-consumer option at any price
→US-only tax and planning scope
→No geographic cost-of-living intelligence

Which Should You Pick?

Pick RightCapital if…

You don't pick RightCapital directly — you pick an advisor who uses it. If you want a full-service CFP relationship with advisor-grade planning, finding an RIA on RightCapital (or eMoney, MoneyGuidePro) is the right path.

Visit RightCapital →

Pick EnoughMoney if…

Pick EnoughMoney if you're a DIY planner, want to retire abroad, or prefer free/subscription tools over paying an advisor. RightCapital is for people who want a professional advisor relationship; EnoughMoney is for people who want the planning tools directly.

Try our FIRE Calculator →

FAQs

Can I use RightCapital without an advisor?

No. RightCapital is sold only to registered investment advisors and financial planners. Individuals access it only through a client engagement with their advisor.

Is RightCapital better than EnoughMoney?

Different products for different users. RightCapital is better if you want a full-service CFP relationship. EnoughMoney is better if you're doing planning yourself and want international + geographic intelligence.

How much does it cost through an advisor?

Advisors typically charge 0.75–1.25% of assets under management annually, which includes use of RightCapital (or similar) and ongoing planning. For a $1M portfolio, that's $7,500–$12,500/year.

Try EnoughMoney — free, no credit card

Run our FIRE calculator, compare cities, model your tax drag across 86 countries, or explore the lifestyle simulator. All core planning is free; Navigator ($19/mo) unlocks AI coaching and the full personal plan.

Create Free Account Try calculator first

Other EnoughMoney Comparisons

vs Boldin

vs ProjectionLab

vs MaxiFi Planner

vs OnTrajectory

See all comparisons at /vs or visit our 2026 FIRE Planning Tools roundup.

This comparison is an independent editorial analysis. EnoughMoney has no affiliate or financial relationship with RightCapital. Feature descriptions reflect publicly-available documentation as of April 2026 — things change; verify current features before subscribing.