Plot My Money and eMoney compared

eMoney is financial planning software that advisors, banks and broker-dealers use with their clients. Plot My Money is a planning app for households, with an Advisor plan for planners who work with clients. This page sets out how they differ, using eMoney's own public pages. Those pages say little about specific calculations, so many cells below are “Not published”.

Who each one is for

eMoney serves banks, broker-dealers and RIAs. Its home page says it supports financial organizations of all sizes. Its products page lists three tiers, Plus, Pro and Premier, each with a client portal, account aggregation and spending and budgeting tools.

Plot My Money is for US households planning for retirement or already retired. It shows what's safe to spend each month, tests the plan across thousands of simulated markets, and plans taxes, Social Security and withdrawals year by year. It runs in a browser on phones and computers, and has an Advisor plan for planners who work with clients.

Features side by side

“Not published” means we didn't find the feature on eMoney's public pages. It doesn't mean the feature is missing.

Notes on the table

• eMoney doesn't publish prices on the pages checked.
• Its planning page says cash-flow planning covers “estate planning, tax strategies, and more.” It doesn't describe the calculations, so the tax and estate rows are “Not published”.
• Life, disability and long-term care is marked Partial because its Pro page lists life insurance among the goals its needs analysis covers. We didn't find disability or long-term care analysis described.
• Scenarios come from Decision Center, which “lets you explore multiple what-if scenarios,” per its Pro page.
• Its Premier page mentions a mobile app but doesn't name the phone platforms.
• CoPlanner offers “automated insights that turn client data into ready‑to‑use planning actions.” The pages don't call it AI, so the AI row is “Not published”.
• Plot My Money runs up to 1,000 simulated markets on the free plan and up to 10,000 on Plus.
• Plot My Money on a phone is an installable web app, not a store app.
• Plot My Money doesn't link accounts. You enter balances by hand or import them from files.

Pricing as published

Plot My Money has a free plan and two paid plans. Plus covers your household, at a yearly price of the amount shown before you subscribe. The Advisor plan covers a set number of client households, at a yearly price of the amount shown before you subscribe. Until paid plans go on sale, every feature is included for every household. See plans and billing.

eMoney (from its products page, checked November 5, 2026) doesn't publish prices. Its tiers are Plus, Pro and Premier, and it offers an Enterprise option for larger organizations.

Where eMoney is stronger

• Account aggregation at scale. Its aggregation page says “12,000+ sources of data are aggregated by eMoney.” Plot My Money doesn't link accounts.
• A client portal with budgeting. The client portal is included in all planning packages, and clients can use spending and budgeting tools there.
• Integrations. Its integrations page advertises “25+ leading integration partners available,” from CRMs to risk analysis.
• Firm-wide tools. Every tier includes business analytics, and eMoney Enterprise serves larger organizations.
• A choice of planning depth. Plus is goals-based, Pro is cash-flow based, and Premier includes both, per its products page.

Who should pick which

• Pick eMoney if you're an advisor or firm that wants planning, aggregation, a client portal and many integrations from one vendor.
• Pick eMoney if your organization needs enterprise data and analytics across many advisors.
• Pick Plot My Money if you're a household planning your own retirement with month-by-month safe-to-spend figures and detailed tax modeling.
• Pick Plot My Money if you're an advisor who wants to set up plans and hand them to clients, and you don't need aggregation or CRM links.

How to switch

Plot My Money doesn't import eMoney files, so you set up your plan again. Have your latest balances, pay, spending and Social Security estimates to hand.

1. Start a plan and answer the setup questions about your household, income, spending and accounts.
2. If you have a holdings file, import it as Excel or CSV on the Accounts screen.
3. Add Social Security from your SSA statement, plus pensions and any other income.
4. Compare the results with your old plan. Differences usually come from assumptions about returns, inflation, taxes and spending.

You can download your plan as a JSON file at any time. See getting started and importing and exporting.

Sources

Each page below was read on November 5, 2026.

• eMoney home page
• eMoney products
• eMoney Pro
• eMoney Premier
• eMoney planning
• eMoney client portal
• eMoney aggregation
• eMoney integrations
• eMoney Enterprise