RightCapital

Name

RightCapital

Legal name

RightCapital Inc.

Website

https://rightcapital.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Financial Planning Software

NAICS

Portfolio Management and Investment Advice (523940), Software Publishers (513210)

SIC

Investment Advice (6282), Services-Prepackaged Software (7372)

akta.pro primary industry

Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)

akta.pro secondary industries

Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF), Digital/Robo Financial Planning (FSAEAAAK), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Financial planning software
• Retirement planning tools
• Tax planning software
• Wealth management platform
• Advisor technology solutions

Headquarters

HQ city

Shelton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Software Subscription (SaaS): RightCapital operates as a SaaS platform with subscription-based pricing for financial advisors. Subscription terms are typically 12 months, available in monthly installments or annual payment. Early termination fees apply for cancellations before completing the 12-month term. Premium and Platinum tiers offer different feature sets with Iris AI available at no additional charge to these tiers.
2. Professional Services: Professional services are available at $250 per hour for additional documentation, training, or custom services not included in standard subscription. Requires separate Statement of Work.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

RightCapital sells a cloud-based financial planning software platform to U.S. financial advisors and RIAs, delivering interactive retirement planning, tax planning (Roth conversions, tax-efficient withdrawals, asset location), insurance needs analysis, and risk assessment in a single subscription. The offering is enhanced by AI-driven automation through Iris (an AI planning agent) and Smart Import (document-to-plan data extraction), with a client collaboration portal and mobile app for end-client engagement.

Product overview

RightCapital offers a unified financial planning platform with a modular architecture. The core RightCapital Platform provides interactive retirement planning, tax planning, insurance needs analysis, and risk tolerance assessment. AI-powered data entry is handled by Smart Import, while the Iris AI Planning Agent (introduced June 2026) provides autonomous planning capabilities including Double Check, Cash Flow Reviews, Plan Builder, and Ask Iris Anything. Client communication is supported through Snapshot (one-page summaries) and Blueprint (visual plans), while operational efficiency tools include RightFlows (workflows), RightIntel (firm analytics), and RightExpress (prospecting). Tax planning features include Roth Conversions, Tax-Efficient Withdrawals, Asset Location, and Tax Analyzer. RightCapital holds approximately 21% market share as the third-largest financial planning platform for U.S. financial advisors.

Differentiator

Problem solved

Functional benefit

Brands

• Iris: AI planning agent offering Double Check, Cash Flow Reviews, Plan Builder, and Ask Iris Anything capabilities.
• Smart Import
• Snapshot
• Blueprint
• RightRisk
• RightFlows
• RightIntel
• RightExpress

Products and services

• RightCapital Platform Cloud-based SaaS financial planning software platform for U.S. financial advisors and RIAs, delivering interactive retirement planning, tax planning, insurance needs analysis, and risk assessment with client collaboration portal and mobile app. Subscription-based with Premium and Platinum tiers on 12-month terms with monthly installment or annual billing.
• Iris AI Planning Agent First planning-focused AI agent for financial planning software, capable of directly analyzing client information with autonomous capabilities including data validation, anomaly detection, strategy generation, and natural-language plan queries. Built as a closed, proprietary system entirely by RightCapital. Bundled into Premium and Platinum subscription tiers at no additional cost.
• Smart Import AI-powered document extraction tool that reads unstructured documents (meeting transcripts, investment statements) and converts key financial information into structured plan inputs, reducing manual data entry time by 70% or more. Available across all pricing tiers at no additional charge.
• OCR Tool for eMoney Migration OCR-based migration tool that extracts client financial data (expenses, income, savings, insurance policies) from eMoney Advisor PDF exports and translates it into RightCapital's planning format. First-of-its-kind tool reducing switching friction from competing eMoney platform.

Quantifiable outcome

• Reduces manual data entry time by 70% or more
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability8 records

Feature10 records

Partnerships

Five partnerships are on record, tiered core.

• Kestra FinancialcoreStrategic or Co-development Partner · 1 January 2026Strategic technology partnership providing Kestra-affiliated advisors with access to RightCapital's comprehensive planning tools including retirement planning, tax planning, and insurance needs analysis. The partnership, effective at end of 2025, provides exclusive benefits including discounted pricing and dedicated support. Kestra oversees $142 billion in assets under advisement through its subsidiaries.
• ZockscoreTechnology or Integration · 1 November 2025AI-powered integration allowing advisors to transfer client data directly from conversations to RightCapital's planning platform, saving time and enabling faster advice delivery.
• Envestnet | YodleecoreTechnology or IntegrationData aggregation partnership for financial account information retrieval. RightCapital acts as authorized agent to retrieve financial information through Yodlee's platform, which is described as a leading data aggregation and analytics platform powering cloud-based innovation for digital financial services.
• StripecoreTechnology or IntegrationPCI-compliant payment processing partner for encrypting and processing credit card payments. RightCapital uses Stripe Connect service to enable payment processing for advisors.
• Amazon Web Services (AWS)coreTechnology or IntegrationCloud infrastructure provider. RightCapital's physical infrastructure is hosted and managed within Amazon's secure data centers with AWS technology. AWS data centers maintain ISO 27001, SOC, PCI DSS Level 1, FISMA Moderate, and other compliance certifications.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• eMoney Advisor: eMoney is the largest U.S. advisor financial planning platform with ~33% market share per the 2025 T3 survey. It directly competes with RightCapital across retirement, tax, and insurance planning for RIAs, and is the explicit target of RightCapital's OCR migration tool.
• Envestnet MoneyGuide: MoneyGuide is the second-largest U.S. advisor financial planning platform with ~33% share per T3/2025. It competes head-to-head with RightCapital on goal-based financial planning for advisors and is part of Envestnet's broader advisor technology stack.

Broad incumbents

• Orion Advisor Tech: Orion offers a broad advisor technology platform including portfolio accounting, CRM, and financial planning. It overlaps with RightCapital in the planning layer but serves as a multi-product suite for larger enterprises.
• Envestnet: Envestnet is a large-scale advisor technology and data platform whose MoneyGuide product competes directly with RightCapital. Envestnet's broader portfolio management and data aggregation capabilities make it a strategic incumbent competing for the same advisor wallet.
• Morningstar Advisor Workstation: Morningstar Advisor Workstation provides planning, research, and portfolio tools to advisors. It is already a RightCapital integration partner and a comparable incumbent offering across planning and portfolio analytics.
• Salesforce Financial Services Cloud: Salesforce Financial Services Cloud is a broad CRM and engagement platform for financial advisors. While not a direct planning competitor, it is increasingly bundled with planning workflows and represents a platform-level incumbent that could expand into RightCapital's territory.
• Black Diamond (SS&C Advent): Black Diamond is a portfolio management and reporting platform owned by SS&C, with planning-adjacent features. It competes for advisor technology spend and overlaps with RightCapital's enterprise customer base.

Emerging players

• Holistiplan: Holistiplan is a tax-focused planning software for financial advisors. While narrower than RightCapital's full planning suite, it competes for the same advisor seat and represents an emerging point solution that could expand into broader planning workflows.
• Income Lab: Income Lab focuses on retirement income planning software for advisors. It overlaps with RightCapital's retirement planning module and represents a focused, emerging competitor in the decumulation and income projection segment.
• fpPathfinder: fpPathfinder provides workflow, compliance, and planning tools for financial advisors. It overlaps with RightCapital on planning workflows and represents an emerging, partially-overlapping competitor for mid-market advisory firms.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/RightCapitalHQ
• LinkedInlinkedin.com/company/rightcapital

Compliance11 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RightCapital