FinCalc
FinCalc is financial planning software for UK advisers, financial planning firms, and networks or consolidators.
What FinCalc is
FinCalc is financial planning software for UK advisers, financial planning firms, and networks or consolidators. Its modules cover cashflow, retirement, inheritance tax, pension transfer analysis, digital engagement, and financial calculators. Cashflow Modeller projects income, expenditure, and wealth across a planning horizon, with timelines, goals, fixed assumptions, variable returns, stress tests, and comparisons between options. Customisable reports can include graphical outputs and annual tax breakdowns. Digital Engagement provides custom fact finds, a white-labelled client portal, secure messaging, document uploads, and CRM Lite activity tracking. Listed integrations include DocuSign, intelliflo, Iress Xplan, Twenty7tec, Plannr, Curo, and ZeroKey, while Wealthcraft is marked coming soon. The enterprise REST API supports webhooks, real-time updates, OAuth 2.0, and bearer authentication. API access is requested by email, with limits of 400 requests per minute per IP and general fair use of 100 calls per user licence daily. FinCalc says UK Azure hosting, AES-256 encryption, GDPR compliance, ISO 27001 certification, CSV/Excel import, and client-data export are available.
Good
- Cashflow and goal modelling
- Tax and investment planning
- Client portal included
- Multiple adviser integrations
- UK Azure data hosting
Watch out
- Pricing is on request
- API access requires email request
- API has stated usage limits
- Trial may be terminated by licensor
Who it suits
It is aimed at UK financial advisers, planning firms, and larger networks. Teams needing modelling, client engagement, reporting, integrations, or API access may suit it.
Verdict
FinCalc brings planning models, client-facing engagement, reporting, and integrations into one platform for UK advisory work. Its API and data controls are documented, but pricing and API access require direct contact.
The facts
Each one read from FinCalc's own pages, with the date it was checked.
What it does
- API
- FinCalc offers an enterprise REST API with webhooks and real-time updates, and documents OAuth 2.0 and bearer authentication.checked 9 Oct 2001
- API access
- FinCalc's API documentation says there is no automated access process and directs applicants to request access by emailing support.checked 9 Oct 2001
- API usage limit
- The API documentation states a hard limit of 400 requests per minute per IP address and gives 100 calls per user licence per day as a general fair-use guide.checked 9 Oct 2001
- Cashflow modelling
- Cashflow Modeller projects income, expenditure and wealth over a client’s planning horizon, with timelines and goal analysis.checked 9 Oct 2001
- Client engagement
- The Digital Engagement product includes custom digital fact finds, a white-labelled client portal, secure messaging, document uploads and CRM Lite activity tracking.checked 9 Oct 2001
- Data portability
- The site describes CSV/Excel bulk import and says clients can export their client data at any time.checked 9 Oct 2001
- Hosting
- FinCalc says client data is hosted in UK Azure data centres.checked 9 Oct 2001
- Hosting and encryption
- FinCalc says client data is hosted in UK Azure data centres and protected with 256-bit encryption.checked 9 Oct 2001
- Integrations
- The integrations page lists DocuSign, intelliflo, Iress Xplan, Twenty7tec, Plannr, Curo (Time4Advice) and ZeroKey; Wealthcraft is marked “COMING SOON.”checked 9 Oct 2001
- Intended users
- FinCalc presents solutions for financial advisers, financial planning firms, and networks or consolidators.checked 9 Oct 2001
- Purpose
- FinCalc describes itself as financial planning software built for UK advisers.checked 9 Oct 2001
- Reports
- FinCalc says users can generate customisable reports with graphical outputs and annual tax breakdowns.checked 9 Oct 2001
- Scenario analysis
- The cashflow tool supports fixed assumptions, variable returns, stress testing and comparisons between planning options.checked 9 Oct 2001
- Security
- FinCalc states that it holds ISO 27001:2022 accreditation and Cyber Essentials Plus certification.checked 9 Oct 2001
- Support
- FinCalc describes live webinar training, guides and videos, with UK-based support staff for technical and user queries.checked 9 Oct 2001
The company
- Headquarters
- Colchester, Essex, UKchecked 28 Sep 2001
Money
- Planning modules
- The platform includes cashflow, retirement and inheritance tax modelling, Transvas pension transfer analysis, digital engagement tools and financial calculators.checked 9 Oct 2001
- Planning tools
- Its listed products include Cashflow Modeller, Retirement Modeller, IHT Modeller, Transfer Analysis, Client Portal and Calculators.checked 9 Oct 2001
- Trial
- The licence terms say FinCalc may grant a temporary trial system, which may be terminated at any time by the licensor.checked 9 Oct 2001
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