Plot My Money and MoneyGuide compared

MoneyGuide is goal-based planning software that financial advisors use with clients. It's sold by Envestnet. 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 MoneyGuide's own public pages.

Who each one is for

MoneyGuide is priced per advisor on its products page. Its FAQ describes “one version of the system for both advisors and clients,” shared over the web between the two. Wealth Studios adds detailed cash-flow and estate planning for wealthier clients.

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 MoneyGuide's public pages. It doesn't mean the feature is missing.

Notes on the table

• Its FAQ says MoneyGuide “provides Monte Carlo simulation” in its Lifetime Income feature, and lists historical back-test and historical rolling-period stress tests.
• Tax, state tax, Roth conversion and IRMAA rows come from its Winter 2026 release notes, dated February 27, 2026. That release added state tax controls and a view of how Roth conversions or distribution timing affect Medicare premium tiers.
• Estate is marked Partial because the release describes estate-tax modeling at first death, but we didn't find state estate or inheritance tax described. Wealth Studios lists advanced estate, gifting and trust strategies.
• Account linking is marked Partial because it's a paid add-on. Clients can link accounts through MX or Yodlee, each $400 per user per year.
• Its pages mention customizable report templates and print outputs, but we didn't find a file format stated.
• Its FAQ says the software is web-based and works on devices including iPads and iPhones. We didn't find a store app described.
• 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.

MoneyGuide (from its products page, checked November 5, 2026), per advisor, list price, before applicable taxes:

• MoneyGuide: $2,000.00 a year, or $175.00 paid monthly on an annual subscription.
• Wealth Studios: $2,500.00 a year, or $216.67 paid monthly on an annual subscription.
• Platform (MoneyGuide, Wealth Studios, Dash and MyBlocks): $3,000.00 a year, or $258.33 paid monthly on an annual subscription.
• Add-ons, per user, billed annually: Dash $500.00, MyBlocks $600.00, Yodlee $400.00, MX $400.00, and a risk profiler at $739.00.

Where MoneyGuide is stronger

• Interactive client meetings. Play Zone lets clients move sliders on plan elements they control, per its features page.
• Advanced estate work. Wealth Studios lists entities, family trees, gifting, trust strategies and ultra-high-net-worth planning, per its products page.
• Historical stress tests. Its FAQ lists historical back-tests and rolling-period stress tests.
• Account aggregation, through an MX or Yodlee add-on, per its aggregation page.
• Advisor practice tools, such as business and plan analytics, an online fact finder, risk tolerance and a complimentary assistant license.

Who should pick which

• Pick MoneyGuide if you're an advisor who runs goal-based planning meetings and wants interactive tools to use with clients.
• Pick MoneyGuide if you serve wealthier families who need trust, gifting and entity planning.
• 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 MoneyGuide 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.

• MoneyGuide products and pricing
• MoneyGuide FAQ
• MoneyGuide features
• MoneyGuide client portal and aggregation
• Envestnet: Winter 2026 MoneyGuide release