We make one of these tools, so read this accordingly — and check the linked sources. What follows is deliberately not a ranking. These products solve different problems, and the useful question is which job you are hiring one to do.
What each one is built for
Stratum
Coordinated multi-year projection. The tax return comes in by PDF extraction or IRS transcript import, and is combined with the household’s balance sheet so a scenario is a complete hypothetical lifetime — every year calculated in full, not a delta applied to a base year. Twelve strategies run in a sequence the advisor controls, each output feeding the next. The Roth Conversion Optimizer goes further and searches for the best plan rather than scoring one you supply.
Holistiplan
Built around the tax return. Scan a 1040 or transcript, generate a client-ready report, and model scenarios from there.
The Roth Projection Tool is available to Premium subscribers and models "multiple years of Roth conversions", showing impact on portfolio growth, lifetime taxes, and Medicare surcharges. (Holistiplan help center)
FP Alpha
An all-in-one planning platform spanning tax, estate, and insurance, driven by document analysis.
RightCapital
A full financial planning platform — goals, cash flow, and retirement — with tax planning as one module among many.
Income Lab
Retirement income planning — withdrawal guardrails and distribution strategy, with tax as an input to the income plan.
Published pricing, side by side
This comparison reflects features and pricing as of August 2026, based on publicly available information. Competitor information is independently verified by Stratum from each company’s published website and may not reflect all features, limitations, or configurations. Competitor details may change; this page was last verified August 3, 2026 and will be updated within 30 days when material changes are identified. Sources are linked beneath the comparison.
These vendors meter pricing differently. Holistiplan prices by household band (30 to 750). FP Alpha's standalone tax planning is purchased in credit packages rather than as a flat annual subscription. RightCapital and Income Lab price per advisor seat. Stratum is a flat annual rate with 100 households included. Because the packages are structured differently, direct per-household costs will vary and these figures are not directly equivalent.
| Stratum | Holistiplan | FP Alpha | RightCapital | Income Lab | |
|---|---|---|---|---|---|
| Published price | Planner $999/yr (100 households); Advisor $1,299/yr (100 households) | Basic Tax from $749/yr (30 households); Premium Tax from $1,499/yr (30 households)1 | All-in-one $1,995/yr; tax planning standalone from $1,125 (75 credits)2 | Basic $149.95/mo per advisor; Premium $209.95/mo; Platinum $254.95/mo3 | Core $199/mo ($1,990/yr); Pro $299/mo ($2,990/yr)4 |
| How pricing is metered | Flat annual rate, 100 households included | Tiered by household count, 30 to 750. Unlimited users. 12-month commitment.1 | Tax planning sold in credit packs, from 75 credits to 750 credits.2 | Priced per advisor seat. Annual commitment for the first year.3 | Per advisor, with additional support staff seats sold separately.4 |
| Tax planning capability, as published | Twelve strategies run in an advisor-controlled sequence across a projection to life expectancy; the Roth Conversion Optimizer searches 1,728 candidate plans and ranks by NPV of lifetime taxes (Advisor plan) | Basic includes "Federal tax scenario analysis & projection modeling". Premium adds "State tax scenario analysis & projection modeling" and "Multi-year Roth conversion projections".1 | Named tax modules include Tax Snapshot, NextGen Tax Insights, Roth conversion, Tax Wrap Preparation, and Tax Projector.2 | Lists Roth Conversions ("Model dynamic Roth conversions"), Tax-Efficient Withdrawals, and Asset Location. Tax Analyzer appears at Premium and above.3 | Retirement income and distribution planning with tax-aware withdrawal sequencing.4 |
Sources — all figures taken from each vendor’s own published pages, verified August 3, 2026.
- 1. Holistiplan pricing page
- 2. FP Alpha pricing page
- 3. RightCapital pricing page
- 4. Income Lab pricing page
Competitor pricing and features change. This comparison reflects what each vendor published as of the date above and is not updated in real time — check the linked sources for current terms. Product names and trademarks belong to their respective owners and are used here for identification and comparison only.
Worth noting: every figure above came from a public pricing page. Not every tool in this category publishes one.
How to choose
If the job is reviewing this year’s return — scanning 1040s at volume and producing client-ready summaries fast — Holistiplan is the category leader and the reason it holds that position is real.
If the job is a full financial plan with goals, cash flow, and tax as one module among many, RightCapital is a planning platform and Stratum is not. Stratum models no goals or expenses by design.
If the job is retirement income and withdrawal guardrails, Income Lab is built for distribution strategy with tax as an input to the income plan.
If the job spans tax, estate, and insurance from document analysis, FP Alpha covers that breadth in one platform.
If the job is coordinated multi-year tax strategy — what happens when conversions, harvesting, charitable giving, and withdrawals run together, in a particular order, over a lifetime — that is the case Stratum was built for.
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Holistiplan, FP Alpha, RightCapital and Income Lab are trademarks of their respective owners. All trademarks are used here for identification and comparison purposes only. Stratum is not affiliated with, sponsored by, or endorsed by any product listed on this page.