# eMoney Advisor Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is eMoney Advisor the right Budgeting solution for you? Explore 16 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/119135/emX/reviews --- eMoney Advisor 4.2 (16) [View alternatives](https://www.capterra.com/p/119135/emX/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of eMoney Advisor Ease of use 3.4 Customer Service 3.8 ## Showing most helpful reviews Showing 1-16 of 16 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Joe S. Partner Financial Services Used the software for: 2+ years ### "Very powerful, leading solution than can be overkill" May 8, 2019 4.0 This product has provided our clients with a superior portal/vault/aggregation solution relative to our previous peace meal approach. Fairly easy for our least-tech-savvy client to use from their phones and tablets. Excellent way of securely sharing sensitive documents to and from clients, since we do not use encrypted email. Pros Full featured, owned and supported by Fidelity which is also our custodian. Long track record, well-established technology. Excellent vault & client portals. Includes account aggregation. Cons Financial planning module is complex (good news for some, not-so-good news for others) which requires significant input tweaking, and can produce output that is overkill for more simplistic projection needs. We're now looking at "Foundational Planning" from eMoney which may allow us that more simplified approach to planning. Review Source PC Patrick C. Financial Advisor Financial Services Used the software for: 2+ years ### "EMoney Review" August 12, 2019 4.0 Based on my needs, I would probably not change vendors as this provides all aspects of financial planning. I would like things to be more intuitive and less bulky but not at the expense of losing certain features. Pros I like the completeness of the software. I.e. It is a full financial planning software that covers most, if not all, aspects of financial planning. The customer service team does provide some implementation and understanding of the software. If I have a question, the customer service team is extremely helpful and they are located in the United States. They also provide instant help as opposed to waiting for them to call me back. Cons The connections to other vendors are ok. I am no longer having clients connect to their financial institutions because they always have to update the connections due to changes in their respective financial institutions' rules for password updates. This is too cumbersome for the client. I also sometimes hear from the client that they cannot find their institution. The other Con is the large learning curve for this software. It is overwhelming and not as intuitive as other Financial Planning vendors. It is what it is. It is difficult to have it both ways...Easy to use and Comprehensive. I am ok. with the learning curve but it could be easier to use. It is also pricey to get all the features. Reason for choosing eMoney Advisor For its comprehensive features. Review Source JE John E. President Financial Services Used the software for: 6-12 months ### "A Dissatisfied Experience with eMoney Advisor" June 14, 2025 2.0 Very dissatisfying! Potential subscribers should be aware of eMoney Advisor's inflexible 12-month contract. Despite my immediate realization that the software was unsuitable for my needs shortly after a prolonged onboarding process (which took over a month to schedule), I was informed that cancellation was not possible due to a 12-month contractual agreement. It is unconscionable for a company to compel a dissatisfied customer to pay for a product they will not use. I have not accessed the platform in over six months, yet eMoney Advisor continues to bill $379 monthly for a service that provides me no value. My explicit communication to customer service regarding the unsuitability of the software and my intent not to use it was met with an unyielding stance on contractual obligations. This policy demonstrates a concerning lack of customer understanding and flexibility. Buyers beware! Pros After the first onboarding training session, I did not like the software and knew I would not use it. Cons eMoney Advisor's platform is excessively complex, offering a multitude of features that most financial advisors will find overwhelming and ultimately underutilized. The system's intricate design necessitates a significant time investment to master, a commitment many advisors may not be able to afford. Review Source SS Sally S. Senior Planner Financial Services Used the software for: 2+ years ### "Elevate your planning process with eMoney" September 3, 2021 5.0 The main benefits we have from using this software are: (1) client retention (2) client engagement with the planning process (3) ABility to model "on-the-spot" Pros This product offers excellent customer support, with live & recorded product trainings to assist with building complex financial plans. We love the fact that this software offers a client planning website / document portal that is extremely easy for clients to adopt. Cons The estate planning features of this website are somewhat limited. Alternatives considered [Envestnet | MoneyGuide](https://www.capterra.com/p/210422/MoneyGuidePro/) Reason for choosing eMoney Advisor We ultimately chose eMoney based on reviews Review Source AK Alexander K. Senior Wealth Advisor Financial Services Used the software for: 2+ years ### "Amazing Financial Planning Software" December 23, 2020 5.0 E-Money is invaluable in providing client's with accurate projections for financial planning. I would highly recommend trying this software to anyone using a different financial planning software. Pros I've used many different platforms for financial planning software and E-Money is clearly above and beyond the best one I've used. Integration with all of our systems is critical and E-Money gets it done. Cons There are a few items that lack consistency but E-Money is very active on handling tech tickets to fix items. Switched from [Plan Lab](https://www.capterra.com/p/163242/Plan-Lab/) Corporate Mandate Review Source LC Linda C. Owner Arts and Crafts Used the software for: Less than 6 months ### "Client experience poor: No after hours or weekend troubleshooting" December 15, 2018 2.0 Overall a very poor experience--not available when I need it. It is not intuitive--learning curve re: terminology and organization of the software is relatively steep. Embarrassing tech support. The system was down without warning (even when I phoned about issues) for 5 days. They have been somewhat responsive to my financial planner, but the system appears to be very brittle when it comes to 3rd party aggregation and non-responsive to client emergencies. Nice idea, folks, but needs a whole lot of work and client-friendly interaction. Pros If it were working consistently, accurately and had adequate tech support, it might give a good overview of client financial status, asset allocation, etc. Cons I have had constant connection issues with banks and brokerages to the point of making the software useless for my purposes. I am a client who is paying a financial planner for access to eMoney. It was to have been my core tool to determine asset reallocation and tracking my big picture financially. I have had issues with password and security questions not being recognized by the system, then lockout with no recourse. eMoney will not support individual clients without their financial rep on the phone at the same time, which eliminates all after hours and weekend support (the main times I am attempting to use the program). When working, it is aggregating income and expenses apparently inaccurately and "organizing" expenses in ways that do not jell with my bookkeeping. To date, it has cost me much time to set up (much of the data entry & setup was done by me) but has not served the intended purpose. Review Source DS David S. Administrator Financial Services Used the software for: 2+ years ### "Excellent to work with. Great for clients and our business." March 7, 2018 5.0 The client experience is really top-notch and client touch is facilitated via the Touch Point process/feature. Pros Account aggregation is the part really helpful for clients and us. But, the depth of the financial planning platform is impressive and easy to show clients their goals, current picture of their financial world and projections. Feature updates coming at an increasing rate due to the purchase of the company by Fidelty. Cons Assets held away sometime get disconnected or the client needs to update credentials. The details of the planning process are extensive so, the learning curve is long but, great support helps resolve the problems. Review Source VR Verified Reviewer Marketing Manager Publishing Used the software for: 1-2 years ### "A much more robust Mint alternative" March 8, 2021 4.0 eMoney presents a great dashboard for all financials at a high level and in depth view. Pros I like the ability to sync all of my accounts and share access with the financial planning team. This way we all see the same data. Cons The syncing and permissions system can sometimes be tricky. Sources often get out of sync and must be reauthorized. Review Source VR Verified Reviewer Director of Development Financial Services Used the software for: 1-2 years ### "Fantastic!!!!" July 24, 2018 5.0 Pros Decision center and the on the fly ability to change things right in front of the client. Their integration/aggregations stuff is top notch as well Cons Pricing would be the only negative but it seems that it is priced fair with competitors like moneyguide or advicent. eMoney is probably to most expensive though. Review Source CD Clark D. Web Developer Used the software for: 6-12 months ### "Easy to use, detailed, and visually beautiful. " April 23, 2018 5.0 Pros I really like the customization it offers. We use it as a firm, and as the firm planner I can see any and all plans under out umbrella, regardless of who created the plan. Cons The need to have a paid registration for even assistants isn't ideal. It seems greedy, when it was explained to me. Review Source ZB Zac B. Driector, Financial Services Financial Services Used the software for: 2+ years ### "Its good, has a lot of features we do not even use." June 7, 2017 4.0 It helps us create a reliable financial plan for out clients. It models investments that we use properly. Pros Correctly models some investment products that other softwares do not. I have also had issues with some basic features that the software does not take into consideration. Cons The cost seems rather expensive as compared to other financial planning softwares. The one thing I do not like is the cost. Review Source CM Chris M. Advisor Financial Services Used the software for: 6-12 months ### "EMoney as a Comprehensive Planning Tool" April 18, 2019 4.0 Financial planning for our practice and helping to answer many of the in depth questions our clients ask us every day. Pros The best thing about this software is the fact that it provides such comprehensive results compared to our other planning software. Cons EMoney is not the easiest or most intuitive program that we have used for planning. Review Source SH Simon H. Investment Consultant Financial Services Used the software for: 1-2 years ### "Comprehensive well-designed Financial Planning Software" October 15, 2018 5.0 Very good financial planning tool, allowing clients to participate with their own secure vaults and ability to connect outside accounts, and the layout is pretty intuitive and clear. Pros Easy to use, customize my reports, ability to show clients in real-time the effect on changes to inputs, ease of creating a variety of scenarios, secure vault for clients to store important documents, integration of data feed for client accounts, ability for clients to aggregate outside accounts with current data Cons Some outside accounts have difficulty being connected, and somewhat limited on the output reports that are available. Review Source AB Allyson B. Relationship Manager/Estate Planning Coordinator Used the software for: 2+ years ### "Best tool available for financial planning though it does have some limitations still." August 8, 2017 4.0 Pros This software has the most options for modeling available. This is not a cookie cutter type of product. Cons This still has some limitations. We are unable to model as accurately as we would like to, but for the most part we are able to work around it. Review Source DN Derek N. Founder Financial Services Used the software for: 2+ years ### "Previous user for years" October 21, 2022 4.0 Pros Very comprehensive software allowing for multiple analysis and deep dives into cash flows. Cons A big learning curve and sometimes too complex for some clients. Review Source AL Amanda L. CFP Financial Services Used the software for: I used a free trial ### "Great for Detailed Clients" July 16, 2020 5.0 Good experience. The sales rep that I worked with was pretty "blah". So would encourage that department to work on training for those employees. Pros Best part of this software is the capabilities of cash flow projection with detailed accounting. Also the estate planning portion of the software is industry best. Cons This software isn't very intuitive or client facing. So it would be good for users who are heavily trained but outside of that it isn't practical for firms looking to use it on a wide scale. 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