Best 7 Financial Planning Tools in 2025 [w/ Feature Comparison Table]

Manual spreadsheet juggling is killing your financial planning process. Hours wasted on data entry. Version control nightmares. 

Financial planning tools can transform your budgeting, forecasting, and reporting from a monthly headache into a streamlined, automated workflow that saves time and improves accuracy.

Feature comparison table

Tool	Data Sources	Pricing (Starting)	AI Functionality	Refresh Frequency	Collaboration	Best For
Coefficient	70+ business systems	$49/month	No	Real-time	Yes	Excel/Sheets users
Vena Solutions	Microsoft 365, Excel	Custom quote	Yes	Real-time	Yes	Excel-native teams
Fathom	QuickBooks, Xero, Excel	$15/month	No	Real-time	Yes	SMBs & advisors
Jirav	NetSuite, QuickBooks, Excel	$10,000/year	No	Real-time	Yes	Accounting firms
Centage	Multiple integrations	$2,250/month	No	Real-time	Yes	SMBs
PlanGuru	QuickBooks, Xero, Excel	Not disclosed	No	Scheduled	Yes	Small businesses
Prophix	Multiple enterprise systems	Custom quote	Yes	Real-time	Yes	Large organizations

#1 Coefficient

Coefficient transforms spreadsheets into dynamic financial planning tools by connecting business systems directly to Google Sheets and Excel. It eliminates manual CSV uploads and enables real-time data workflows, making it ideal for finance teams seeking automated insights without abandoning familiar spreadsheet environments.

Highlights of Coefficient

• Seamless integration with CRM, ERP, and 70+ business systems
• Automated data refreshes and scheduled updates for live reporting

Pros

• Real-time data access: Automatically pulls the latest numbers into your spreadsheets, reducing manual work and errors while keeping your financial models current.
• Flexible connectivity: Connects with a wide range of business tools, making it easy to centralize financial data from multiple sources in one place.
• Easy setup: Users can quickly link data sources and start building reports with minimal technical expertise required.

Cons

• Row limitations: Lower-tier plans restrict the number of rows you can import, which may be limiting for larger datasets and growing teams.
• Can get pricey: As your needs grow, higher-tier plans become necessary, increasing costs significantly.
• Learning curve for automation: Some users may need time to fully leverage automation features and maximize the platform’s potential.

Pricing

As of September 2025, Coefficient’s Starter Plan is $49/month (5,000 rows/month, 3 data sources), and the Pro Plan is $99/month (6 data sources, 10 accounts per source, 5,000 refreshes/month).

What do users say about Coefficient?

• Positive: “Coefficient has made our reporting process so much faster. The automation features save us hours every week.” (G2)
• Critical: “The row limits on the Starter plan are frustrating for growing teams. We had to upgrade sooner than expected.” (G2)

Support

Coefficient offers online documentation, email support, and premium support for higher-tier plans, with response times as fast as 8 hours for Pro users.

#2 Vena Solutions

Vena Solutions enhances Excel’s capabilities with centralized templates, workflow management, and robust reporting for collaborative financial planning tools. 

This AI-powered FP&A platform allows teams to budget, forecast, and analyze performance while maintaining the familiar Excel interface that finance professionals prefer.

Highlights of Vena Solutions

• Native integration with Microsoft 365 and Excel environment
• Advanced modeling, scenario analysis, and workflow automation capabilities

Pros

• Excel-based interface: Familiar environment for finance teams, reducing training time and allowing immediate productivity without learning new software.
• Real-time collaboration: Multiple users can make live changes, streamlining consolidation and approvals across departments and teams.
• Powerful data management: Automates consolidation and reporting, saving significant manual effort while maintaining data integrity.

Cons

• Steep learning curve: Users report a significant learning curve, especially during setup and implementation phases.
• Long implementation times: Some organizations experience delays and challenges during onboarding that exceed initial estimates.
• Visualization limitations: Advanced visualizations often require additional tools like Power BI to achieve desired reporting outcomes.

Pricing

Vena does not publicly disclose pricing, but it is positioned as a premium solution for mid-sized and enterprise organizations. Custom quotes are provided based on requirements.

What do users say about Vena Solutions?

• Positive: “Vena has completely transformed our budgeting process—quick, accurate, and less prone to error. The cloud platform makes collaboration seamless.” (TrustRadius)
• Critical: “The learning curve was huge and a bigger time-sink than anyone anticipated. Implementation took much longer than quoted.” (TrustRadius)

Support

Vena offers 24/7 technical support, onboarding assistance, and a dedicated customer success team for enterprise clients.

#3 Fathom

Fathom transforms accounting data into insightful visual reports and performance metrics, making it one of the most accessible financial planning tools for small to medium-sized businesses. 

It specializes in converting raw financial data into actionable insights through customizable dashboards and three-way cash flow forecasting.

Highlights of Fathom

• Customizable management reports and visual dashboards
• Three-way cash flow forecasting and scenario planning capabilities

Pros

• Automated reporting: Reduces manual input and errors, saving time for accountants and advisors while maintaining accuracy.
• Consolidated reporting: Easily combines multiple entities for group-level financial visibility across different business units.
• Real-time data: Keeps reports updated with the latest numbers for timely analysis and decision-making.

Cons

• Limited forecasting: Basic forecasting tools may not meet the needs of users requiring advanced modeling capabilities.
• Complexity for new users: Initial setup and onboarding can be challenging for those unfamiliar with financial reporting software.
• Implementation speed: Some users wish for faster deployment and out-of-the-box insights.

Pricing

As of January 2025, Fathom’s Premium plan is $19/user/month (billed monthly) or $15/user/month (billed annually). Team plans start at $29/user/month.

What do users say about Fathom?

• Positive: “Fathom makes it easy to provide clear, concise, and beautiful analytics and reports to your clients.” (Xero App Store)
• Critical: “While Fathom offers basic forecasting tools, it may not meet the needs of accountants seeking advanced and detailed financial models.” (Clockwork.ai)

Support

Fathom provides responsive customer support via email and in-app chat, with extensive help documentation and onboarding resources. Users praise the support team’s responsiveness.

#4 Jirav

Jirav delivers comprehensive financial planning tools tailored for accounting firms, SMBs, and VC-funded companies. 

This all-in-one platform combines dynamic forecasting, budgeting, reporting, and dashboarding with seamless integration to popular accounting systems for streamlined financial management.

Highlights of Jirav

• Driver-based forecasting for P&L, balance sheet, and cash flow
• Customizable dashboards and templates following industry best practices

Pros

• Easy to use and customizable: Users appreciate the intuitive layout and flexible reporting options that adapt to different business needs.
• Excellent customer support: Dedicated account managers and fast response times are frequently mentioned in user reviews.
• Streamlined reporting: Reduces time spent on monthly reporting and annual budgeting processes significantly.

Cons

• Limited guided training: Users note a lack of structured onboarding programs compared to some competitors in the market.
• Some formula limitations: Creating complex assumptions can be challenging within the platform’s framework.
• Occasional report/table limits: There are maximums for reports or custom tables in some plans that may restrict usage.

Pricing

As of 2025, Jirav’s Starter plan is $10,000/year, Pro is $15,000/year, and Enterprise pricing is custom.

What do users say about Jirav?

• Positive: “Jirav has simplified and reduced the time required to produce our monthly reporting package, rolling forecast, and annual budget dramatically.” (G2)
• Critical: “The lack of guided training programs makes for a more difficult learning experience.” (G2)

Support

Jirav provides an online help center, implementation support, and a dedicated customer success manager for higher-tier plans.

#5 Centage

Centage’s Planning Maestro streamlines budgeting and forecasting through financial planning tools designed specifically for small and medium-sized businesses. 

Its cloud-based platform eliminates spreadsheet complexity with a formula-free, drag-and-drop interface that enables collaborative planning across teams.

Highlights of Centage

• Collaborative budgeting with multi-user input capabilities
• Flexible forecasting and scenario planning with real-time collaboration

Pros

• Easy to use: Drag-and-drop budgeting eliminates spreadsheet errors and manual work while maintaining professional-grade functionality.
• Scenario planning: Quickly model best, worst, and in-between cases for strategic decision-making and risk assessment.
• Strong support: Users praise the training staff and customer service for their expertise and responsiveness.

Cons

• Learning curve: Adapting to new workflows can be challenging for some users transitioning from traditional spreadsheets.
• Customization limits: Predefined reports offer limited flexibility for organizations with unique reporting requirements.
• Add-on costs: Advanced features may require additional purchases beyond the base subscription.

Pricing

As of June 2025, Centage’s Core plan is $2,250/month (billed annually), Strategic is $3,250/month, and Performance is $4,250/month.

What do users say about Centage?

• Positive: “It’s a very easy to use product that helps you to manage your expense. Software offers many rich features like Asset Management, Budgeting, Expense Tracking, Financial Reporting, etc.” (Capterra)
• Critical: “We are still using an older version because there is one particular report that we like that has not been able to duplicated to our satisfaction on the newer version.” (Capterra)

Support

Centage offers onboarding, training, and ongoing customer support, with high marks for responsiveness and expertise.

#6 PlanGuru

PlanGuru provides essential financial planning tools for small and mid-sized businesses seeking to move beyond complex spreadsheets. This platform combines budgeting, forecasting, cash flow analysis, and strategic planning in an intuitive interface designed for non-technical users.

Highlights of PlanGuru

• Multi-year budgeting and forecasting capabilities
• Scenario analysis and financial consolidation for multiple entities

Pros

• Intuitive interface: Easy to use for non-technical users, reducing reliance on Excel while maintaining familiar functionality.
• Consolidation: Combines multiple operating entities into a high-level view for comprehensive financial oversight.
• Flexible budgeting: Offers various methods and tools for budgeting and forecasting to match different business approaches.

Cons

• Clunky interface for some tasks: Moving line items and importing historical data can be time-consuming and frustrating.
• Limited advanced features: May lack some of the deeper analytics found in higher-end platforms.
• Another license to manage: Adds to the stack of software costs for small businesses already managing multiple subscriptions.

Pricing

PlanGuru’s pricing is not listed in the search results, but it is generally positioned as an affordable solution for SMBs. (Check the PlanGuru website for current rates.)

What do users say about PlanGuru?

• Positive: “PlanGuru’s capacity to consolidate multiple operating entities into a high-level view has been my favorite feature.” (G2)
• Critical: “The ability to move line items on the financial statements is clunky and time consuming.” (G2)

Support

PlanGuru provides excellent customer service, with users praising the support team’s responsiveness and helpfulness.

#7 Prophix

Prophix delivers enterprise-grade financial planning tools through its corporate performance management platform that automates budgeting, forecasting, reporting, and financial consolidation. Designed for mid-sized and large organizations, it provides a unified platform for complex financial data management and strategic decision-making.

Highlights of Prophix

• Automated budgeting and forecasting workflows
• Integrated financial consolidation and reporting with advanced analytics

Pros

• Comprehensive automation: Reduces manual data entry and streamlines financial processes across complex organizational structures.
• Scalable: Suitable for organizations with complex, multi-entity structures that require sophisticated financial management.
• Customizable dashboards: Offers robust reporting and visualization tools for executive-level insights and analysis.

Cons

• Implementation complexity: May require significant setup and IT involvement for proper deployment and configuration.
• Higher cost: Geared toward mid-sized and enterprise clients, with pricing reflecting advanced capabilities.
• Learning curve: Users may need training to fully leverage all features and maximize platform potential.

Pricing

Prophix does not publicly list pricing; custom quotes are provided based on organization size and requirements.

What do users say about Prophix?

• Positive: “Prophix has helped us automate our budgeting and reporting, saving countless hours each month.” (G2)
• Critical: “The initial setup was complex and required a lot of support from IT.” (G2)

Support

Prophix offers onboarding, training, and ongoing customer support, including a knowledge base and dedicated account managers for enterprise clients.

Ready to streamline your financial planning?

These financial planning tools offer powerful alternatives to manual spreadsheet management. Each platform brings unique strengths to different business contexts. Whether you need real-time data connectivity, collaborative budgeting, or enterprise-grade automation, the right tool can transform your financial planning process. Ready to connect your business data directly to spreadsheets? Get started with Coefficient today.