RightCapital is a professional financial planning platform used by advisors — individuals don't have direct access without hiring one. IfISaved gives you powerful retirement projections, budgeting, investment tracking, and more — entirely self-service, with a free option and low-cost Plaid sync.
Try IfISaved →RightCapital is a professional-grade advisor tool. IfISaved is what individuals use to plan on their own.
| Feature | IfISaved Free + Plaid* | RightCapital Advisor-only |
|---|---|---|
| Who It's For | Individuals (self-service) | Financial advisors + clients |
| Price to Individual | Free + Plaid* | Requires a paid advisor |
| Budget Tracking | ✓ | ✗ |
| Net Worth Dashboard | ✓ | ✓ |
| Investment Tracking | ✓ | ✓ |
| Retirement Projection | ✓ | ✓ |
| Monte Carlo Simulations | ✗ | ✓ |
| Tax Planning Scenarios | ✗ | ✓ |
| Social Security Modeling | ✓ | ✓ |
| Roth Conversion Analysis | ✓ | ✓ |
| Debt Payoff Planner | ✓ | ✗ |
| Bank Sync | Plaid* | Plaid |
| DIY / No Advisor Required | ✓ | ✗ |
| Free Option Available | ✓ | ✗ |
* The full app is free. Automatic transaction updates via Plaid are available for a low monthly fee. Manual entry is always free.
The right choice depends on the complexity of your situation.
RightCapital requires a financial advisor relationship to access — individuals can't sign up directly. IfISaved is fully self-service: sign in, connect your accounts, and start planning in minutes.
Using RightCapital means working with an advisor, which typically costs 0.5–1.5% AUM per year or hourly fees. IfISaved's full app is free, with optional low-cost Plaid sync — ideal for those comfortable managing their own finances.
IfISaved projects your retirement savings year-by-year, models Social Security at different claiming ages, and runs Roth conversion scenarios — the same core analysis advisors do using RightCapital.
RightCapital is a planning and projection tool — it doesn't handle day-to-day budgeting. IfISaved tracks your monthly spending, category budgets, and cash flow alongside your long-term plan.
RightCapital (used by a good advisor) offers more sophisticated tax planning, estate planning, and Monte Carlo scenario analysis. For high-net-worth or complex situations, professional advice adds real value.
Already working with a financial advisor? IfISaved's profile sharing lets your advisor view your data with their own login — giving them the context they need without requiring them to use RightCapital.
You don't need to pay an advisor to understand your retirement outlook, track your investments, or build a budget. IfISaved puts those tools in your hands — free to start, with low-cost Plaid sync when you want it.
No — RightCapital is advisor software. Individuals must work with a financial advisor who subscribes to RightCapital to have a plan built for them. IfISaved is a direct-to-consumer alternative you can use on your own.
For straightforward situations — building a budget, tracking investments, and modeling retirement — IfISaved gives you the tools to plan confidently on your own. For complex situations involving estate planning, tax strategy, or business ownership, a qualified advisor adds real value that software alone can't replicate.
Absolutely. Many people use IfISaved for day-to-day budgeting and tracking while also working with an advisor for deeper financial planning. You can even share your IfISaved profile with your advisor so they have full visibility into your financial picture.
IfISaved uses your actual balances, contribution rates, expected return, and inflation to project year-by-year retirement savings. While it doesn't run Monte Carlo simulations, the core projection gives a solid planning baseline for most individuals.
Retirement projections, Social Security modeling, investment tracking, and budgeting — free to use, no advisor required, with optional low-cost Plaid sync.
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