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.
Other EnoughMoney Comparisons
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.