Prompt

Are there any financial planning platforms that handle inputs from retirement, taxable, and outside accounts?

Finance · Wealth Management / Wealth management1 observationLast seen Jul 23, 2026

Latest observation

Jul 23, 2026 · OpenAI APIWeb search: off

Yes — several financial planning platforms can aggregate and model retirement accounts, taxable brokerage accounts, and outside accounts (like bank accounts, HSAs, 529s, loans, and even held-away assets).

Here are some common categories and examples:

1. Consumer financial planning / aggregation tools

These are good for personal use and often sync many account types:

  • Empower Personal Dashboard (formerly Personal Capital)
  • Quicken Simplifi
  • Monarch Money
  • Copilot Money (more budgeting-focused, but can link many accounts)
  • Tiller (spreadsheet-based, for people who want customization)

2. More advanced retirement / planning tools

These often support scenario planning across account types:

  • ProjectionLab
  • NewRetirement
  • Boldin (formerly NewRetirement; depending on the product tier)
  • RightCapital (often used by advisors, but some consumer access exists through advisors)

3. Advisor / professional-grade planning platforms

These are typically used by financial advisors, but some clients can access them through an advisor:

  • eMoney Advisor
  • MoneyGuidePro
  • RightCapital
  • FP Alpha (more of a planning/analysis add-on)

What they usually can handle

Most of these can model:

  • 401(k), 403(b), IRAs, Roth IRAs
  • Taxable brokerage accounts
  • Checking/savings
  • HSAs and 529s
  • Debt
  • Social Security and pensions
  • Manual “outside” accounts that don’t sync automatically

A few things to check before choosing

Look for whether the platform supports:

  • Held-away account linking via Plaid/Aggregation
  • Manual entry for assets that won’t connect
  • Tax-aware projections for taxable vs. retirement withdrawals
  • Roth conversion and withdrawal sequencing modeling
  • Estate planning / legacy modeling if relevant

If you want, I can also give you:

  1. a comparison table of the best options, or
  2. recommendations based on whether you want budgeting, retirement planning, or advisor-grade planning.

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