Discover the top 10 financial planning tools in Canada for 2025. Features, pricing, use cases, and Salesforce integrations for advisors and planners.
Features, Benefits & Salesforce Integration
In today’s fast-evolving financial landscape, Canadian advisors are increasingly turning to digital tools to enhance client relationships, increase efficiency, and deliver deeper financial insights. Whether you’re managing a boutique practice or working within a larger firm, integrating purpose-built financial planning software into your workflow can unlock massive value for both you and your clients.
This comprehensive guide breaks down the top 10 financial planning tools in Canada—designed specifically to support advisors and planners. Each tool offers unique functionality, and we’ve included Salesforce integration details to help you choose solutions that align with your CRM strategy.
1. YNAB (You Need A Budget)
YNAB has become a go-to tool for budgeting enthusiasts—and for good reason. It applies a zero-based budgeting method that gives every dollar a purpose. While originally built for individuals, it’s gaining traction with financial coaches and advisors who support clients with debt reduction, cash flow management, and financial education.
Main Features:
- Zero-based budgeting approach
- Real-time sync with bank accounts (some Canadian banks require manual imports)
- Goal tracking, reporting, and workshop content
Benefits for Advisors:
- Builds strong spending discipline in clients
- Offers insight into behavioral patterns and habits
Insights:
- Clients using YNAB tend to reduce their debt faster and save more consistently
Cost:
- $18.49 CAD/month or $124.99/year (after 34-day free trial)
Use Cases:
- Coaching clients on monthly spending plans
- Financial literacy sessions for young professionals
Salesforce Integration: ✅ Yes – via Integrately or Zapier
Accessibility: Web, iOS, Android
2. Monarch Money
Monarch is a sleek, modern financial planning dashboard that brings all your clients’ accounts into one intuitive interface. Designed for visual thinkers and strategic planners, it allows users to track net worth, set financial goals, and simulate future financial paths.
Main Features:
- Aggregation of all financial accounts (banking, credit, investment)
- Goal setting and collaboration features
- Real-time updates and personalized insights
Benefits for Advisors:
- Offers clients a clean visual of their full financial picture
- Encourages engagement in long-term planning
Insights:
- Excellent for advisors with tech-savvy, millennial clients who want proactive tools
Cost:
- $20.72 CAD/month or $96.74/year with discount code
Use Cases:
- Quarterly reviews of net worth
- Retirement or milestone planning dashboards
Salesforce Integration: ❌ No native integration
Accessibility: Web, iOS, Android
3. Wealthsimple
As one of Canada’s best-known fintech success stories, Wealthsimple offers a hybrid of robo-advisory and DIY investing. It’s ideal for advisors looking to provide clients with hands-off portfolios or partner with a platform that handles compliance, rebalancing, and tax-loss harvesting.
Main Features:
- Robo-advisory investment management
- Registered and non-registered account support (RRSP, TFSA, etc.)
- Wealthsimple Tax and commission-free trading
Benefits for Advisors:
- Gives clients affordable investing options with minimal maintenance
- Transparent and user-friendly
Insights:
- Particularly useful for entry-level clients and passive investors
Cost:
- 0.4%–0.5% management fee; no account minimums for basic plans
Use Cases:
- Complement to in-house investment strategies
- Clients with small balances or ESG investing interest
Salesforce Integration: ❌ No direct integration
Accessibility: Web, iOS, Android
4. PocketSmith
PocketSmith is a forecasting powerhouse. It’s perfect for advisors who want to help clients look beyond the next paycheck and into multi-decade cash flow scenarios. It’s not just budgeting—it’s financial time travel.
Main Features:
- Future cash flow forecasting up to 60 years
- Scenario analysis and budgeting categories
- Multi-currency and account sync
Benefits for Advisors:
- Helps clients visualize the long-term impact of decisions
- Assists in lifestyle and retirement goal setting
Insights:
- Empowers forward-thinking financial conversations
Cost:
- Free basic plan; premium starts at $9.95 USD/month
Use Cases:
- “What if” scenarios for life events (career changes, real estate, retirement)
- Tax strategy simulations
Salesforce Integration: ✅ Yes – via Zoho Flow
Accessibility: Web, iOS, Android
5. Wealthica
Wealthica is the go-to portfolio aggregator for Canadians. It pulls investment data from over 100 institutions and gives users a detailed, visual snapshot of holdings, returns, and allocation. Ideal for wealth managers, it provides back-office clarity and client-facing transparency.
Main Features:
- Investment portfolio aggregation
- Daily account syncing and performance metrics
- Developer API access
Benefits for Advisors:
- Centralizes multi-institution reporting
- Enables easy client reporting and reviews
Insights:
- Helps advisors identify duplication, underperformance, or misallocation
Cost:
- Free basic; Pro from $39.99/month
Use Cases:
- Quarterly performance reviews
- Integrated investment dashboards
Salesforce Integration: ✅ Yes – via API or custom connector
Accessibility: Web-based
6. Moka
Moka is Canada’s answer to Acorns—a micro-investing app that rounds up everyday purchases and funnels the change into diversified portfolios. For advisors serving first-time investors or low-commitment clients, Moka is a soft introduction to wealth-building.
Main Features:
- Automated round-up investing
- Managed portfolios with simple risk levels
- Goal-based saving tools
Benefits for Advisors:
- Introduces investing concepts without overwhelming clients
- Encourages habit formation around saving
Insights:
- Often a first step for younger clients into broader financial discussions
Cost:
- $3.99/month
Use Cases:
- Starter portfolios for Gen Z
- Habit-building programs in financial literacy campaigns
Salesforce Integration: ❌ No integration currently
Accessibility: Mobile-only (iOS, Android)
7. Koho
Koho is more than a prepaid Visa—it’s a complete financial wellness platform. With built-in budgeting tools and savings features, it’s ideal for advisors looking to help clients manage their cash flow while earning cashback on purchases.
Main Features:
- Prepaid Visa card with budgeting dashboard
- Cashback rewards
- Automated savings features
Benefits for Advisors:
- Combines day-to-day spending tracking with financial goals
- No credit check or fees to get started
Insights:
- Helps clients build spending awareness without the debt of credit cards
Cost:
- Free tier; $9/month for premium
Use Cases:
- Budget coaching clients
- Low-risk payment solutions
Salesforce Integration: ✅ Yes – via Koho – The Ultimate Analytics for Flex & CRE Operators integration
Accessibility: Web, iOS, Android
8. Spendee
Spendee brings design-focused simplicity to budgeting. It’s visually intuitive and ideal for clients who want to track spending with minimal friction. Shared wallets make it especially useful for couples and families.
Main Features:
- Visual expense tracking
- Shared and custom wallets
- Automatic transaction imports
Benefits for Advisors:
- Simple UX ideal for less tech-savvy users
- Collaborative budgeting features for couples
Insights:
- Encourages daily use and accountability
Cost:
- Free plan available; Premium from $14.99/year
Use Cases:
- Family budget coaching
- Daily expense tracking
Salesforce Integration: ❌ Not available
Accessibility: Web, iOS, Android
9. Justwealth
Justwealth is a Canadian robo-advisor offering deeper customization and dedicated human support. It’s positioned between DIY platforms and full-service wealth management, and it’s particularly popular for RESPs and long-term portfolios.
Main Features:
- Custom-built ETF portfolios
- Dedicated portfolio managers
- Tax-efficient strategies
Benefits for Advisors:
- Adds a layer of personalized service to automation
- Strong fit for families and long-term savers
Insights:
- Hybrid service structure appeals to cautious investors
Cost:
- $4.99/month; account minimum of $5,000
Use Cases:
- RESP planning
- Passive growth strategies
Salesforce Integration: ❌ Not currently supported
Accessibility: Web, iOS
10. BMO SmartFolio
BMO SmartFolio is the digital portfolio management arm of BMO. It blends professional advice with a digital interface and is ideal for clients who want a big-bank presence backing their online investing.
Main Features:
- BMO-managed portfolios
- Personalized goal setting
- Automatic rebalancing
Benefits for Advisors:
- Aligns well with conservative clients
- Institutional trust and familiarity
Insights:
- Attractive for clients already banking with BMO
Cost:
- 0.4%–0.7% management fee depending on portfolio size
Use Cases:
- Low-maintenance retirement portfolios
- Cross-selling to BMO clients
Salesforce Integration: ❌ Not supported
Accessibility: Web, iOS, Android
Final Thoughts: Choosing the Right Tool for Your Practice
While each of these tools brings unique strengths, those like YNAB, PocketSmith, Koho, and Wealthica stand out for financial professionals seeking Salesforce-compatible solutions. By aligning your tools with your CRM, you’ll unlock deeper visibility into client behaviors and deliver more holistic financial planning services.
📣 Ready to Modernize Your Advisory Workflow?
Explore these platforms, take advantage of free trials, and consider integrations with your existing systems like Salesforce. Want a custom recommendation or help setting up your tools? Discover our guide on the Top 4 Financial Planning Tools in Canada!
👉 Contact us for a strategy session tailored to your advisory goals.
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