FE CashCalc

FE CashCalc is an online financial planning suite for advisers and paraplanners that creates lifetime cashflow plans. Its modelling tools include deterministic, stochastic and gross cashflow methods, alongside market simulations and stress testing. Advisers can place life events and goals on a visual timeline, then prepare client-facing reports comparing current and proposed plans. The suite has more than 35 financial calculators, covering areas such as pensions, mortgages, equity release, school fees and inheritance tax. Mortgage and protection planning is built in, with 10 calculators and stress tests. The cloud-based service is available on web, iOS and Android, where advisers and clients can access an account or Portal. An optional Nexus Assistant records client conversations and completes fact-finds with an audit trail. Individual adviser licences are listed at £80/month + VAT and include one paraplanner licence; larger firms can request bespoke group pricing. FE CashCalc is paid, with no free plan.

FE CashCalc combines cashflow modelling, goal planning and client reporting with a broad set of calculators. Its listed individual licence is £80/month + VAT, and each includes one paraplanner licence.

FE CashCalc suits financial advisers and paraplanners preparing cashflow plans, modelling goals and life events, and producing client reports. Larger firms can ask about group licences.

FE CashCalc is a cloud financial-planning suite for advisers and paraplanners building lifetime cashflow plans. It is best suited to professional practices that need scenario modelling, specialist calculators and client-facing reporting in one service. The breadth is persuasive, but the paid, adviser-focused setup is excessive for consumers seeking a simple personal-finance planner.

Overview

FE CashCalc brings cashflow planning, goal setting, tax, insurance and investment planning into an adviser workflow. Life events and objectives can be placed on a visual timeline, then current and proposed plans can be compared in reports intended for clients. That combination supports both technical analysis and recommendation conversations rather than stopping at a projection.

The service was founded in 2014 and is offered by FE fundinfo, headquartered in London. It processes financial information such as transactions, alongside account, contact, payment and usage data, to provide the service and customer support. A maker-published case study describes AES-256 encryption for CashCalc information, with OAuth2 and encrypted TLS connections for third-party integrations. Support is offered through web tools, email and phone.

Key features

Modelling can be deterministic, stochastic or gross, with market simulations and stress testing. In practice, advisers can present different assumptions and examine how resilient a plan is instead of relying on one forecast. Goal planning links those scenarios to a client’s life events, while comparison reports provide a clearer way to explain the effect of a proposed change.

More than 35 calculators cover pensions, mortgages, equity release, school fees and inheritance tax. Mortgage and protection planning is built in without an extra charge, including 10 calculators and stress tests. That is a substantial advantage for firms wanting those advice areas inside the same planning environment, although the value matters most to practices that actually use the full range.

Firms holding both FE CashCalc and FE Analytics licences can import valuation and holdings data, run a Medium Scan, download factsheets and documents, and export portfolios between the products. It can streamline an FE Analytics workflow, but it is conditional on paying for both products.

The optional Nexus Assistant records client conversations and completes the fact-find automatically, retaining a compliant audit trail as advisers work. The cloud-based app gives advisers and clients access to accounts or the Portal on iOS and Android.

Pricing

The individual adviser licence costs £80/month + VAT and includes one paraplanner licence at no additional charge. This is the clearest fit for a solo adviser who needs professional planning and wants a paraplanner involved without buying a second seat. The free paraplanner allocation is useful, but it does not turn the product into a free plan: FE CashCalc has no free tier.

Group licences use bespoke pricing for larger firms. That route is more appropriate when several advisers need access, but the cost has to be established directly before budgeting. The cheaper alternative of relying on another product may suit a small practice that does not need the specialist calculators, stress tests or FE Analytics connection.

Platforms

FE CashCalc runs on the web and has cloud apps for Android and iOS. Clients can use the mobile app to access their account or Portal, so the service supports adviser work and client access across desktop and mobile devices.

Who it's for

Financial advisers and paraplanners are the intended audience, especially firms constructing lifetime plans, comparing scenarios and producing client reports. Larger practices can consider the group licence. It is not aimed at casual users who want a free planning tool, and its specialist workflow will be unnecessary if a user only needs basic budgeting.

Pros and cons

Pros

• Broad modelling options: deterministic, stochastic and gross cashflow models, market simulations and stress testing support more nuanced advice.
• Strong calculator coverage: over 35 calculators, plus 10 mortgage and protection calculators with stress tests, reduce the need for separate tools.
• Client communication: visual goal timelines and current-versus-proposed reports help turn analysis into an understandable recommendation.
• Paraplanner inclusion: every individual adviser licence includes one paraplanner licence, improving the economics for adviser-paraplanner teams.
• FE Analytics workflow: dual-licensed firms can move holdings and valuation data, documents and portfolios between systems.

Cons

• No free plan: the £80/month + VAT entry price rules out users who want to explore before committing.
• Integration dependency: FE Analytics features require licences for both products.
• Group pricing is bespoke: larger firms cannot assess their likely cost from a published figure.
• Professional focus: the adviser-oriented feature set is more than a personal user needs for straightforward household planning.

Alternatives

Financial Planning Software is the broader category to browse when you want to compare planning products rather than choose a single suite.

Choose myprosperity instead if a freemium service with Android, iOS and web access is more important than CashCalc’s paid adviser model. Betterment is another freemium, cross-platform option, aimed at users whose needs align with its Digital, Premium and cash offerings. Boldin suits readers wanting a free tier, trial and retirement-planning tools such as 100-plus inputs, interactive explorers and Monte Carlo simulations.

Pocket Risk is a paid, cross-platform alternative with a trial and a professional plan built around three users, up to 500 clients, branding, model portfolios and integrations. ProjectionLab is worth considering for a freemium planner with forecasting, financial planning, Monte Carlo simulations, historical backtesting and flexible modelling. Elements offers a free allowance of up to five clients and a paid Core plan with unlimited clients. EVPro is a paid product with a trial across desktop and web platforms. LivePlan is a freemium-style business-planning alternative with Standard and Premium monthly plans.

Verdict

Choose FE CashCalc if you are an adviser or paraplanner who wants deep cashflow modelling, extensive calculators, mortgage and protection planning, and polished client comparisons in one professional suite. Its main reason to look elsewhere is cost and commitment: there is no free plan, group pricing is bespoke, and the FE Analytics benefits require a second licence.