Top 10 Best AI Financial Planning Software of 2026

Empower (empower.com) is a leading AI-powered financial planning platform that provides users with a comprehensive dashboard for tracking net worth, investments, budgeting, and retirement goals. It leverages AI algorithms for personalized insights, portfolio optimization, risk assessment, and predictive planning using tools like Monte Carlo simulations. Users can access free core features or upgrade to managed advisory services combining robo-advisory with certified human planners for holistic wealth management.

Wealthfront is a leading robo-advisor platform that uses AI-driven algorithms for automated investing and comprehensive financial planning. Its flagship Path tool simulates personalized financial futures, factoring in income, expenses, goals, and life events to provide actionable insights and recommendations. The platform automates portfolio management with ETF-based diversification, tax optimization, and high-yield cash accounts, making it ideal for hands-off wealth building.

Betterment is a leading robo-advisor platform that uses AI and algorithms to automate investment management, provide personalized financial planning, and optimize portfolios for goals like retirement, home buying, and education savings. It features tools for tax-loss harvesting, automated rebalancing, and projections based on user inputs and market data. The service combines digital automation with optional access to certified financial planners for more comprehensive advice.

RightCapital is a web-based financial planning software tailored for financial advisors, enabling the creation of interactive, visual financial plans covering retirement, tax optimization, Social Security, cash flow, and estate planning. It incorporates Monte Carlo simulations and scenario modeling to stress-test plans against market volatility and life events. While it includes some AI-enhanced insights for plan summaries and recommendations, it primarily excels in user-friendly visualizations and client engagement tools rather than deep AI automation.

eMoney Advisor is a robust financial planning platform tailored for wealth advisors, offering comprehensive tools for goal-based planning, cash flow analysis, retirement projections, and household-level modeling. It aggregates data from multiple sources to provide actionable insights through visualizations and scenario modeling. While it incorporates some AI-driven analytics for client engagement, it excels more in traditional planning with modern data integration rather than cutting-edge AI automation.

Acorns is a micro-investing app that automates savings and investing by rounding up everyday purchases and channeling the spare change into diversified ETF portfolios. It offers additional tools like retirement accounts (Acorns Later), kids' investment accounts (Acorns Early), and a banking debit card with cash-back rewards invested automatically. While it employs algorithmic portfolio rebalancing and basic insights, its AI-driven financial planning capabilities are limited, focusing more on behavioral nudges than comprehensive forecasting or personalized advice.

Copilot (copilot.money) is an AI-powered personal finance app that syncs with bank accounts, credit cards, and investments to automatically track, categorize, and analyze spending. It features a conversational AI copilot for natural language queries on financial data, providing insights into trends, budgets, and cash flow. The app also offers net worth tracking, customizable budgets, and spending forecasts, serving as a modern alternative to apps like Mint.

Monarch Money is a personal finance management platform that syncs with bank accounts, credit cards, investments, and loans to automatically track spending, net worth, and budgets. It leverages AI for transaction categorization, spending insights, and cash flow forecasting to simplify financial planning. Ideal for users seeking a modern alternative to Mint, it supports collaborative features for couples and customizable dashboards for goal tracking.

Rocket Money is a personal finance app focused on expense tracking, subscription management, and bill negotiation. It leverages AI for automatic transaction categorization, spending insights, and identifying forgotten subscriptions. While it provides basic budgeting tools and net worth tracking, it emphasizes reactive money management over advanced AI-driven long-term financial planning.

YNAB (You Need A Budget) is a budgeting-focused software that implements zero-based budgeting, requiring users to assign every dollar of their income to specific categories for expenses, savings, or debt. It syncs with bank accounts for automatic transaction imports and offers tools for goal tracking, reporting, and financial education. While it includes basic machine learning for transaction categorization suggestions, it lacks advanced AI features like predictive forecasting, automated investment advice, or personalized financial planning insights typical of dedicated AI tools.