Managing wealth in 2025 isn’t just for high-net-worth individuals anymore. With inflation, market volatility, diversified income streams, and the rise of decentralized finance (DeFi), everyone—from small business owners to side hustlers—needs to think like a wealth manager. Whether you’re tracking investments, forecasting future income, or planning tax-efficient strategies, wealth management software has evolved into a vital tool in your financial toolkit. It helps eliminate spreadsheet chaos, centralizes data from multiple banks, brokerages, and assets, and offers insights that even your accountant might miss.
For businesses and advisors, these platforms streamline client reporting, compliance, and asset allocation. For individuals, they enable better goal setting, risk assessment, and long-term planning. And with automation and AI now in the mix, some tools don’t just manage wealth—they help grow it. Below, we’ve curated 10 of the best software solutions designed to make wealth management smarter, faster, and more personalized in 2025.
Let’s dig into the best options on the market and see which one fits your financial profile and ambitions.
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1. Personal Capital (Web, iOS, Android)
Personal Capital is a hybrid tool—part budgeting software, part investment tracker, and part advisory service. It’s ideal for individuals who want a free, hands-on overview of their net worth but may also be interested in working with financial advisors down the line. The dashboard aggregates your bank accounts, credit cards, mortgages, and investments into a single clean interface.
Pros:
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Completely free for tracking investments and net worth
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Impressive retirement planning tools with scenario modeling
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Real-time market data and allocation breakdowns
Cons:
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Advisory service requires $100,000 minimum investment
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Occasional upselling of paid advisory services
Pricing: Free for tracking; advisory services have tiered fees starting at 0.89% AUM.
If you want an all-in-one view of your financial life with optional access to human advisors, Personal Capital is a top pick.
2. Wealthfront (Web, iOS, Android)
Wealthfront is a robo-advisor platform that automates investing, savings, and even tax-loss harvesting. It’s designed for individuals who want smart, low-cost financial management without having to talk to a human. Ideal for tech-savvy users comfortable letting algorithms take the wheel.
Pros:
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Automated investing with modern portfolio theory built-in
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Excellent cash management and high-yield savings options
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Tax optimization features like direct indexing
Cons:
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No human advisors or one-on-one financial coaching
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Limited customization of portfolios
Pricing: 0.25% annual advisory fee; no trading or rebalancing fees.
A smart choice for those who want to automate their financial future with minimal fees.
3. Betterment (Web, iOS, Android)
Betterment is one of the original robo-advisors, but it’s evolved into a full-service digital wealth platform. Alongside investment management, it now offers financial planning, retirement accounts, and a checking account—all integrated.
Pros:
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Personalized portfolios based on goals and risk level
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Access to human advisors for a fee
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Goal-based savings and retirement tracking
Cons:
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No tax-loss harvesting on IRAs
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Less hands-on control for experienced investors
Pricing: Digital plan at 0.25% annually; Premium plan at 0.40% includes advisor access.
Best for users looking for goal-focused investing with optional human support.
4. eMoney Advisor (Web-based, for professionals)
Designed for financial planners and advisors, eMoney Advisor is a powerful planning and client management tool. It provides deep financial analytics, collaborative dashboards, and document storage to help advisors offer better insights and transparency.
Pros:
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Robust financial planning with deep customization
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Built-in compliance tracking and client vaults
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Collaborative planning environment
Cons:
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Not built for individual investors
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Steeper learning curve and premium pricing
Pricing: Starts at $1,500/year depending on plan and features.
Ideal for financial professionals who want to modernize their practice and improve client engagement.
5. RightCapital (Web-based, for professionals)
RightCapital offers a visually intuitive financial planning platform for advisors. It focuses on tax-efficient strategies, estate planning, and cash flow analysis while offering an engaging client portal.
Pros:
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Easy-to-use interface with drag-and-drop modules
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Great for tax planning, Roth conversions, and Social Security analysis
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Mobile-friendly client dashboards
Cons:
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Lacks investment tracking tools
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Mainly geared toward advisory firms
Pricing: Starts at $1,500/year depending on team size and features.
Perfect for advisors focused on retirement and tax planning rather than investment management.
6. Quicken Simplifi (Web, iOS, Android)
Simplifi is Quicken’s modern take on personal finance. It brings budgeting, spending analysis, and goal tracking into a sleek, user-friendly app. While it doesn’t offer investing tools, it’s great for keeping your broader financial house in order.
Pros:
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Automatic expense categorization and insights
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Clean dashboard and mobile-first experience
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Customizable saving goals and alerts
Cons:
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No investment or retirement planning features
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Lacks long-term wealth forecasting
Pricing: $3.99/month or $47.99/year after free trial.
Great for users looking to organize their money, not manage portfolios.
7. Morningstar Advisor Workstation (Web-based)
Morningstar’s platform is built for advisors who need deep investment research and performance reporting. It’s packed with data-driven tools to evaluate portfolios, compare funds, and monitor risk.
Pros:
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Best-in-class investment research and analytics
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Integrates well with CRM and financial planning platforms
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Powerful reporting and benchmarking
Cons:
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Expensive and geared toward professionals
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Not a standalone financial planning tool
Pricing: Custom pricing depending on features and firm size.
Recommended for data-driven advisory firms and RIAs focused on investment management.
8. Kubera (Web-based)
Kubera is a net worth tracker designed for individuals with diverse assets—stocks, crypto, real estate, collectibles, and even domains. It’s beautifully designed and built for privacy-first users who want a secure way to monitor everything in one place.
Pros:
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Supports alternative assets and crypto integrations
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Privacy-focused with no upselling or ads
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Dead Man’s Switch feature for estate planning
Cons:
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No budgeting or financial planning tools
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Paid-only, no free version
Pricing: $150/year after 14-day trial.
Ideal for high-net-worth or crypto-savvy users who need a clean net worth dashboard.
9. Zoe Financial (Web-based)
Zoe Financial matches users with vetted fiduciary financial advisors using AI. It’s not a software tool in the traditional sense—but an advisory marketplace that helps you find the right person for long-term wealth planning.
Pros:
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All advisors are fee-only fiduciaries
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Personalized matching based on goals and values
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No cost for using the platform to find an advisor
Cons:
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Depends on availability of advisors in your region
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Actual financial planning is priced by the advisor, not Zoe
Pricing: Free to use Zoe; advisor fees vary.
Great for those who prefer human touch but want a smarter way to find the right advisor.
10. Mint (Web, iOS, Android)
While Mint is more of a budgeting app, it does offer investment tracking features and can be a good entry point for those new to managing their finances. Intuit has officially sunset Mint in favor of Credit Karma, but similar features still exist.
Pros:
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Simple, beginner-friendly interface
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Automatically syncs with bank and brokerage accounts
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Free to use
Cons:
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Limited wealth management or planning tools
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Frequent ads and offers
Pricing: Free (ad-supported)
Best for beginners who want to get started with tracking money before upgrading to more advanced tools.
Which Wealth Management Software is Right for You?
Choosing the best wealth management software depends on your goals and where you are in your financial journey. If you’re just starting out and want a holistic view of your money, Personal Capital or Mint can be perfect. If you want to automate your investing, Wealthfront or Betterment will help you scale with minimal effort. For advisors, eMoney and RightCapital deliver powerful client-focused tools that enhance value. And if you simply want to track your eclectic portfolio of stocks, crypto, and rare watches, Kubera nails it.
In 2025, wealth management isn’t just about tracking—it’s about intelligent decisions, smart automation, and preparing for a future that’s evolving fast. Pick the tool that fits your complexity, values, and vision for financial freedom.
