FE CashCalc

Overview

FE CashCalc is a financial-planning suite for advisers and paraplanners who need to build lifetime cashflow plans around client goals. Its strongest case is breadth: modelling, calculators and client-facing reports sit alongside mortgage and protection tools. It is a professional advice tool, not a free personal-finance planner.

Key features

Advisers can model cashflow deterministically, stochastically or on a gross basis, then use market simulations and stress tests to examine alternative outcomes. That gives advisers more ways to frame uncertainty than a single forecast, though the product is designed for professional planning rather than casual household budgeting.

A visual timeline connects life events with goals, and reports compare a client’s current and proposed plans. This makes the suite useful both for constructing a plan and explaining how a recommendation changes it. More than 35 calculators cover pensions, mortgages, equity release, school fees and inheritance tax. Mortgage and protection planning is included at no extra cost, with 10 calculators and stress tests, a meaningful addition for advisers covering those needs.

FE Analytics users with licences for both products can import valuations and holdings, run a Medium Scan, download factsheets and documents, and export portfolios between the systems. That workflow is useful for firms already invested in FE Analytics, but it is not a standalone benefit of the CashCalc licence.

The optional Nexus Assistant records client conversations and completes the fact-find automatically, creating a compliant audit trail as advisers work. The cloud-based app supports iOS and Android, where advisers and clients can access their account or Portal. Support is offered through web tools, email and phone. A maker-published case study describes AES-256 encryption, with OAuth2 and encrypted TLS connections for third-party integrations.

Pricing

The Paraplanner licence is free with every individual adviser licence, with one included per adviser. The Individual adviser licence costs £80/month + VAT per adviser and includes that paraplanner seat. The entry cost therefore buys a defined individual seat rather than a free tier; there is no free plan for advisers seeking to try the suite without paying.

Larger firms can request a Group licence at custom pricing. That is the relevant route for multi-adviser businesses, but the cost is not a published fixed rate. The headline starting price is £75/mo; the individual licence price is £80/month + VAT.

Platforms

FE CashCalc is listed for web, Android and iOS. Its cloud-based app gives advisers and clients access to accounts or the Portal on mobile devices.

Who it's for

This is best suited to financial advisers and paraplanners who need to model long-term client cashflow, compare goals and scenarios, and present plans in a client-facing format. The included paraplanner seat and built-in mortgage and protection tools strengthen the case for an individual adviser. Larger firms should consider the group licence; anyone looking for a no-cost personal planner should look elsewhere.

Pros and cons

Pros

• Deterministic, stochastic and gross modelling, plus simulations and stress testing, supports a broader range of planning scenarios.
• More than 35 calculators and included mortgage and protection tools bring several advice needs into one suite without an extra charge for that planning area.
• One free paraplanner licence comes with each individual adviser licence, supporting adviser-paraplanner work without a separate seat charge.
• Client-facing reports compare current and proposed plans, helping advisers communicate the effect of recommendations.

Cons

• The individual adviser licence costs £80/month + VAT, and there is no free adviser plan.
• FE Analytics portfolio workflows require licences for both products, so they do not benefit firms using CashCalc alone.
• Group pricing is custom, making the cost less straightforward to assess before approaching the provider.

Alternatives

Compare financial planning software if you want to weigh this adviser-focused suite against other options. myprosperity is a freemium option across web and mobile, so it is worth considering when a free plan matters. Betterment also offers a free plan and web, Android and iOS access; its Digital and Premium tiers have stated eligibility thresholds of $200 in monthly recurring deposits and a $100,000 minimum eligible investment balance, respectively.

Pocket Risk is another paid web-and-mobile option, with a free trial and a Professional plan described for three users and up to 500 clients. AstuteWheel is web-only and offers separate admin and paraplanner subscription roles. Boldin is a freemium alternative with web and mobile access; its free Basic tier includes 100+ inputs, two interactive explorers and up to five AI questions per day, while PlannerPlus is $144 a year.

Elements offers a free tier for up to five clients and a Core plan at $149/mo, making it a possible fit for advisers comparing client-cap limits and paid planning workflows. ProjectionLab has a free Basic tier with forecasting, financial planning, Monte Carlo simulations, historical backtesting and flexible modelling. LivePlan is a different option for business planning rather than adviser cashflow planning; its Standard plan costs $20 a month for one active company, five contributors and unlimited guests.

Verdict

FE CashCalc is a strong fit for advisers and paraplanners who need lifetime cashflow modelling, goal comparisons and client-ready reporting in one professional suite. Its broad calculators and included paraplanner seat make the individual licence useful for a working advice practice. Look elsewhere if a free plan is essential, or if you need FE Analytics integration without licensing both products.