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Income Lab alternatives for financial advisors
Short answer: The closest alternatives to Income Lab are RightCapital (best for advisors who want intuitive planning tools), eMoney Advisor (best for comprehensive, cash-flow-based planning), MoneyGuide (best for goals-based planning conversations). Income Lab itself is best for advisors whose clients mostly ask retirement income, roth conversion and social security questions.
Income Lab: Retirement income planning software for advisors with spending guardrails, tax planning and Penny, an AI paraplanner. See the full Income Lab overview or all financial planning software tools.
Income Lab starts at
Lowest published starting price
Holistiplan: From $749/yr
Alternatives with a free option
RightCapital, Holistiplan
Why advisors look beyond Income Lab
- Penny and the AI tools require Pro.
- The trial needs a credit card and auto-converts to Pro.
- Decide whether it replaces or sits alongside your current planning software.
- Not a fit if: You need full cash-flow planning for complex businesses and estates in one enterprise platform.
7 alternatives to Income Lab
| Tool | Best for | Starting price | Free option | Link |
|---|---|---|---|---|
| RightCapital Financial planning software focused on ease of use and client engagement. | Advisors who want intuitive planning tools | From $149.95/advisor/mo | 14-day trial offered. | Visit ↗ |
| eMoney Advisor Financial planning software for advisors, planners and RIAs. | Comprehensive, cash-flow-based planning | Contact vendor | None listed | Visit ↗ |
| MoneyGuide Envestnet's goals-based financial planning software. | Goals-based planning conversations | From $175/advisor/mo | None listed | Visit ↗ |
| Holistiplan Tax planning software that reads tax returns, plus estate and insurance tools. | Spotting tax planning opportunities from a return | From $749/yr | Free trial offered. | Visit ↗ |
| Asset-Map Visual financial planning software that maps a client's financial life on one page. | Discovery meetings and visual client conversations | From $149/mo | None listed | Visit ↗ |
| DeepVest Agentic AI workspace for RIAs covering proposals, portfolio analysis, market data, monitoring and, with PlanLab, connected financial planning. | RIAs that want planning, proposals and portfolio analysis in one AI workspace | Contact vendor | None listed | Visit ↗ |
| Conquest Planning "Verifiable AI" financial advice engine whose Strategic Advice Manager (SAM) evaluates and ranks planning strategies. | Firms that want ranked planning strategies and plans built in minutes | Contact vendor | None listed | Visit ↗ |
Checked against vendor websites on October 21, 2026. List prices as of October 21, 2026; prices change often, so confirm on each vendor's site.
How to choose
- Choose RightCapital if you want advisors who want intuitive planning tools.
- Choose eMoney Advisor if you want comprehensive, cash-flow-based planning.
- Choose MoneyGuide if you want goals-based planning conversations.
- Choose Holistiplan if you want spotting tax planning opportunities from a return.
- Choose Asset-Map if you want discovery meetings and visual client conversations.
- Choose DeepVest if you want rIAs that want planning, proposals and portfolio analysis in one AI workspace.
- Choose Conquest Planning if you want firms that want ranked planning strategies and plans built in minutes.
- Before you switch, list the integrations you rely on today and ask each vendor to confirm them in writing, then have compliance review data handling.
Related comparisons
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FAQ
What is the best alternative to Income Lab?
It depends on what you need. RightCapital is best for advisors who want intuitive planning tools; eMoney Advisor is best for comprehensive, cash-flow-based planning; MoneyGuide is best for goals-based planning conversations.
Why look for a Income Lab alternative?
Common reasons are integrations with the rest of your stack, firm size, features and price. Income Lab is best for advisors whose clients mostly ask retirement income, roth conversion and social security questions, so if that isn't you, compare the options below.
How much do Income Lab alternatives cost?
As of October 21, 2026, published starting prices are: RightCapital From $149.95/advisor/mo; MoneyGuide From $175/advisor/mo; Holistiplan From $749/yr; Asset-Map From $149/mo. eMoney Advisor, DeepVest, Conquest Planning don't publish pricing. Income Lab is From $199/mo ($1,990/yr annual).