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NaviPlan Financial Planning Software from NaviPlan
Advanced financial planning platform with robust education funding calculators that project education costs, analyze funding strategies, and evaluate the impact of education expenses on overall financial plans. Features include analysis of different education savings vehicles, student loan planning, and cash flow projections.
Product analysis by function
Education Funding Calculators for Financial Planning
Tools for projecting education costs, analyzing funding strategies through 529 plans and other vehicles, and integrating education funding with overall financial plans.
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User Interface & Experience
(9 Yes /9 Known /11 Possible features)
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Intuitive Navigation Ease of navigating through the tool for both advisors and clients. |
NaviPlan promotes modern, intuitive user experiences for advisors and clients. Official documentation and reviews highlight ease of navigation. | |
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Customizable Inputs Allows personalization of variables such as number of children, schools, or funding vehicles. |
NaviPlan allows personalized planning inputs—users can enter multiple children, funding vehicles, schools, and more. | |
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Responsive Design The interface adapts seamlessly to desktop, tablet, and mobile devices. |
NaviPlan is web-based and responsive, supporting desktop and tablet use. Mobile-compatibility is referenced in its support materials. | |
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Save & Resume Functionality Users can save their work and return later without data loss. |
Save/resume is a core function: users can start a session and resume later with data preserved in client records. | |
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Input Validation Checks for invalid, incomplete, or out-of-range entries. |
Input validation is enforced to maintain accurate projections—users are prevented from entering invalid or out-of-range data. | |
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Multilingual Support Tool provides support for multiple languages. |
No information available | |
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Accessibility Compliance Conforms with standards such as WCAG 2.1 for users with disabilities. |
NaviPlan is designed to support accessibility for professional use; however, specific WCAG compliance is not always tracked in documentation. | |
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User Guidance & Tooltips Contextual explanations and help for each input field or scenario. |
NaviPlan provides extensive tooltips, hover-over info, and contextual help throughout the planning workflow. | |
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White-labeling Options Branding customization for advisory firms. |
NaviPlan offers white-labeling for large advisory firms—branding customization is a frequently promoted feature. | |
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Drag-and-Drop Scenarios Easily create or compare scenarios by dragging and dropping elements. |
Users can compare and model different scenarios through an interactive drag-and-drop interface (per vendor feature listing). | |
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Speed of Calculation Time required for calculations to be processed and displayed. |
No information available |
Education Cost Projections
(10 Yes /10 Known /10 Possible features)
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Inflation Adjustments Automatically factors inflation rates into projections. |
Education cost projections in NaviPlan automatically factor in inflation assumptions. | |
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Database of Schools Contains comprehensive and up-to-date cost information for individual institutions. |
NaviPlan maintains a database of college costs, including tuition, fees, and room/board, and updates annually. | |
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Tuition and Room/Board Projections Breakouts of projected tuition and living costs. |
Breakouts of tuition and living costs for projections are a central feature in NaviPlan's education funding toolkit. | |
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State vs. Private Comparisons Easily compare costs between public and private schools. |
Users can compare projected costs between public (in-state/out-of-state) and private institutions within NaviPlan. | |
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Regional Cost Adjustments Takes into account geographic variations in education costs. |
Geographic cost adjustments are part of NaviPlan’s education cost modeling capabilities. | |
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Multi-Child Forecasting Supports projections for multiple children simultaneously. |
Supports projections for multiple children; users can enter and track scenarios for each child together. | |
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Adjustable Attendance Years Customize years of attendance for each projected student. |
Number of years for each student's attendance can be customized per scenario. | |
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Automatic Data Updates School expense data is updated automatically with new figures. |
School expense data and cost estimates are updated annually in NaviPlan. | |
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Advanced Inflation Scenarios Model different inflation rates or scenarios for 'what-if' analysis. |
What-if analysis with variable/advanced inflation scenarios is available in funding projections. | |
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Historical Data Visualization Graph visualizations of historical education cost trends. |
NaviPlan provides visualizations of historical and projected cost trends to support advisor discussions. |
Funding Strategies & Vehicles
(9 Yes /9 Known /10 Possible features)
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529 Plan Modeling Robust support for projecting growth and usage of 529 plans. |
Robust support for 529 plan modeling is a core feature—growth, contributions, distributions, tax treatment. | |
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Other Tax-Advantaged Accounts Ability to analyze Coverdell ESAs, UGMA/UTMA, and IRAs as funding options. |
Supports evaluation of other tax-advantaged accounts (Coverdell, UGMA/UTMA, IRAs) in funding projections. | |
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Direct vs. Advisor-Sold 529 Analysis Compare performance, fees, and implications of each avenue. |
Direct vs. advisor-sold 529 analysis is built in—side-by-side comparisons are part of funding vehicle analysis. | |
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State Tax Deduction Modeling Calculates impact of state-specific tax incentives. |
State tax impact modeling is available in 529 plan projections. | |
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Contribution Limit Warnings Alerts if planned contributions exceed legal or plan limits. |
Warns users if contribution or funding schedules exceed legal/plan limits. | |
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Roll-over & Transfer Tools Assesses pros and cons of moving funds between accounts. |
No information available | |
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Financial Aid Impact Estimates Projects how various funding strategies affect potential financial aid eligibility. |
NaviPlan estimates impact of funding strategies on financial aid eligibility with embedded calculations. | |
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Gift & Estate Tax Analysis Evaluates tax implications for relatives funding education. |
Includes gift and estate tax analysis relevant to education funding. | |
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Loan Strategy Modeling Assesses use of student and parent loans within overall plan. |
Loan strategy modeling (student, parent, private) is included for analyzing plan options. | |
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Investment Option Comparisons Compares default or custom investment growth rates for each vehicle. |
Default and custom investment growth rates can be compared for each funding strategy. |
Plan Integration & Holistic Planning
(10 Yes /10 Known /10 Possible features)
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Overall Financial Plan Linkage Education projections are embedded within broader retirement and wealth plans. |
Education projections are embedded within holistic financial plans, allowing comprehensive analysis with retirement, insurance, and other goals. | |
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Cash Flow Impact Analysis Shows how education funding alters available future cash flow. |
Cash flow impact analysis is available; reports show how education costs affect future cash flow. | |
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Goal Prioritization Enables ranking and funding order for multiple financial goals. |
Supports prioritization of education funding against other goals (retirement, major purchases, etc.). | |
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Simultaneous Scenario Modeling Assess education alongside goals like retirement, home purchase, etc. |
Allows for simultaneous planning and scenario modeling of multiple financial goals. | |
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Custom Time Horizon Setting Set unique planning horizons for each education or family goal. |
Custom time horizon settings for education and other goals are available in plan settings. | |
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Automated Alerts & Recommendations Prompt users if education funding is off-track relative to targets. |
NaviPlan alerts and notifies when funding is off-track, and offers action recommendations. | |
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Asset Allocation Interaction Visualize the impact of various asset allocation choices on education funding. |
Asset allocation analysis for education goals provided alongside overall asset allocation impact visualization. | |
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Income & Expense Integration Ties education planning projections to household budget analysis. |
Income/expense projections are integrated, with education planning tied to comprehensive household budgets. | |
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Risk Tolerance Assessment Measures risk preferences in the context of education savings. |
NaviPlan platform includes risk tolerance assessment for education funding and overall investments. | |
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Adaptive Planning (Life Events) Automatically updates or recommends changes based on life event inputs. |
Adaptive planning for life events—scenarios recalculated if new children, job changes, etc. occur. |
Assumptions & Customization
(10 Yes /10 Known /10 Possible features)
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Custom Asset Growth Rates Input custom investment return or growth rates. |
Users may input custom expected asset growth for any funding vehicle. | |
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Editable Inflation Assumptions Override default inflation rates used for projections. |
NaviPlan allows planners to override default inflation rates for scenario flexibility. | |
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Modifiable Contribution Schedules Allow non-uniform or one-time contribution entries. |
Custom/non-uniform contribution schedules can be modeled in funding plans. | |
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Override Tuition Cost Defaults Direct adjustment of projected expenses for individual cases. |
Tuition defaults can be directly edited/overridden for case-specific scenarios. | |
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Selectable Investment Mix Change investment allocation assumptions for each funding vehicle. |
Investment allocation assumptions are selectable per plan and per funding vehicle. | |
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Personalized Tax Rate Inputs Adjust federal or state tax rates for precise results. |
Federal and state tax rates are adjustable within the scenario to provide accurate results. | |
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Custom Grant/Scholarship Entries Add anticipated scholarships and grants to projections. |
Users may enter expected grants and scholarships in projections. | |
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Variable Withdrawal Schedules Set different withdrawal timeframes or frequencies. |
Variable/one-time withdrawal schedules can be modeled for plan withdrawals. | |
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Editable Loan Interest Rates Adjust projected interest rates for student/parent loans. |
Editable interest rates for projected loans are provided for scenario analysis. | |
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Scenario Notes & Rationale Document rationale for client-specific overrides. |
Scenario notes and rationale fields are available for each override or exception entered. |
Collaboration & Client Engagement
(8 Yes /8 Known /10 Possible features)
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Client Portal Access Clients can view, modify, or comment on calculator scenarios. |
Clients can access/view and sometimes comment on their financial scenarios; NaviPlan offers a dedicated client portal. | |
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Shareable Reports/Scenarios Export and share planning scenarios via email or secure links. |
Reports and scenarios are exportable/shareable via secure link, PDF, or email. | |
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Real-time Collaboration Advisors and clients can work together in real time within the tool. |
No information available | |
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Client Commenting Clients can comment or raise questions directly in their scenarios. |
No information available | |
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Advisor Notes & Action Items Advisors can record to-dos or follow up notes linked to each scenario. |
Advisors can record to-dos, notes, and follow-ups directly in plan scenarios. | |
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Version History Tracking Track changes made to client scenarios over time. |
Version history and auditing of scenario changes are maintained within the advisor platform. | |
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E-signature Integration Clients can approve or acknowledge scenarios electronically. |
E-signature features are available for documentation and scenario approval. | |
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Alert Notifications Automatic notifications to advisors/clients of changes or upcoming review dates. |
Automatic notifications/alerts are configurable for review dates and new activity. | |
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Progress Tracking Dashboards Graphical dashboards to view progress toward education funding goals. |
Progress dashboards display progress toward education funding and other financial goals. | |
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Document Upload & Storage Securely upload supporting documents (acceptance letters, receipts, etc.). |
Document uploading and secure scenario file storage is provided in client-advisor workspaces. |
Reporting & Output
(10 Yes /10 Known /10 Possible features)
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Customizable Reports Templates for personalized, branded outputs. |
Personalized, branded report templates are available for custom client output. | |
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Visual Charts & Graphs Clear, insightful visualizations of projections and comparisons. |
Visual charts and data visualization features are a core component of NaviPlan output. | |
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PDF & Excel Export Export reports in professional formats for sharing. |
PDF and Excel export capabilities confirmed in NaviPlan reporting tools. | |
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Summary vs. Detailed Reports Choose short or comprehensive output levels for client needs. |
Advisors can produce summary or detailed reports as needed for the client. | |
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Projection Sensitivities Show the impact of adjusting key variables on plan outcomes. |
Projection sensitivities—clients and advisors can view how changes to variables affect outcomes. | |
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Audit Trail Inclusion Automated log of planning assumptions and changes for compliance. |
Audit trails of changes are maintained, supporting compliance and recordkeeping. | |
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Scenario Comparison Reports Side-by-side reporting of multiple funding strategies. |
Scenario comparison reporting is available—multiple funding strategies can be viewed side-by-side. | |
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Goal Progress Milestone Reporting Visuals and narrative on how close the client is to the funding goal. |
Reports include progress-to-goal with visuals and summary narrative. | |
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Regulatory Compliance Highlights Highlight compliance-relevant details in prints/exports. |
Regulatory compliance highlights and features are included in printable/exportable reports. | |
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Automated Periodic Reports Schedule recurring reports for clients, e.g. annually. |
Scheduled recurring client reports can be generated/exported on an annual or custom basis. |
Integration & Data Import/Export
(8 Yes /8 Known /10 Possible features)
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CRM Integration Connects directly to client record management systems. |
NaviPlan directly integrates with many CRM systems. | |
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Financial Planning Software Integration Links with major financial planning tools/platforms. |
NaviPlan integrates with other financial planning software such as Redtail and Salesforce. | |
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Account Aggregation Support Automatically pull in client account data (529 balances, IRAs, etc.). |
Account aggregation support, pulling balances from managed/linked accounts, is built in. | |
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Data Import/Export (CSV, Excel, API) Flexibility for user-managed data flows. |
Data import/export (CSV, Excel, API) is available for both inputs and results. | |
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Open Banking Standards Support Compliance and support for secure external data connections. |
Supports secure external data flows with open banking standards compliance. | |
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Single Sign-On (SSO) Integrates authentication with other firm systems. |
Single sign-on (SSO) is available for enterprise clients. | |
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Bulk Scenario Creation Upload large numbers of client cases or prospects simultaneously. |
No information available | |
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Partner School Data Feeds Live updates from educational institutions or grant providers. |
No information available | |
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API Access for Developers Allows custom development and integration with third-party services. |
API access is available for integrating NaviPlan with other platforms. | |
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Cloud Storage Integration Sync reports and plans with major cloud storage providers. |
NaviPlan integrates with major cloud storage providers for syncing reports and backups. |
Regulatory Compliance & Security
(10 Yes /10 Known /10 Possible features)
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Data Encryption All client data is encrypted at rest and in transit. |
Data is encrypted at rest and in transit per industry security standards. | |
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User Access Controls Granular security permissions for different advisor/client roles. |
Role-based user access controls are incorporated for both advisors and clients. | |
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Audit Logs Full history of user activity for compliance. |
Comprehensive audit logs track all significant user activity for compliance. | |
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SOC 2 Compliance Adheres to relevant SOC 2 security and operational controls. |
NaviPlan is SOC 2 compliant for security and operational integrity. | |
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GDPR/Data Residency Features Features for EU/UK compliance or data localization. |
Has features for GDPR compliance/Data residency for EU/UK clients. | |
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Consent Management Tracks and manages client data handling permissions. |
Consent management for client data permissions is embedded in onboarding workflows. | |
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Data Retention Policies Customizable data deletion and archival options. |
Data retention/deletion/archival policies can be configured per firm/client. | |
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Two-Factor Authentication Enhanced login security for all users. |
Two-factor authentication is provided for all account access. | |
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Breach Notification Protocols Automated systems to detect, report, and remediate breaches. |
Security protocols to address breaches are present and reported in compliance documentation. | |
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End-to-End Privacy Controls Comprehensive privacy features for sensitive client data. |
End-to-end privacy controls in place to ensure client confidentiality. |
Support & Training
(10 Yes /10 Known /10 Possible features)
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Knowledge Base Comprehensive how-to guides and FAQs. |
Extensive user-facing knowledge base for both advisors and clients provided online and in help menus. | |
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Live Chat Support Access to real-time troubleshooting/help. |
Live support is available via chat or phone during business hours. | |
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Onboarding Webinars Regular sessions to train new users. |
Onboarding webinars are regularly offered for new users. | |
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Custom Training Programs Tailored training modules for large practices/firms. |
Custom training modules are available for enterprise or large practices. | |
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Video Tutorials Step-by-step walkthroughs in video format. |
Video tutorials and guided walk-throughs provided for platform features. | |
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Prompt Software Updates Guaranteed updates for features/regulatory changes. |
The platform is routinely updated for regulatory and feature changes; update logs are available. | |
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User Community Forums Peer support and idea exchange platform. |
User forums exist for peer-to-peer support and discussion. | |
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Dedicated Account Managers Assigned point of contact for enterprise clients. |
Enterprise clients receive dedicated account management. | |
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Priority Support Hours Faster response times for critical requests. |
Priority support options and specified escalation hours available for critical requests. | |
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In-app Help Widgets On-demand help and answers available contextually. |
In-app widgets and contextual help are present throughout the user interface. |
Performance & Scalability
(3 Yes /3 Known /10 Possible features)
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Concurrent User Support Number of advisors/clients that can work simultaneously without slowdowns. |
No information available | |
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Scalability (Clients/Households Supported) Maximum number of client plans or households supported in the system. |
No information available | |
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System Uptime Percentage of time the system is available, excluding planned downtime. |
No information available | |
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Average Response Time Typical time taken to retrieve, compute, or display information. |
No information available | |
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Load Testing Passes Has the system passed high-load stress testing protocols? |
No information available | |
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Disaster Recovery Time Maximum time to recover from major outages. |
No information available | |
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Automatic Failover Redundant systems to ensure continuity if a server fails. |
NaviPlan is hosted on high-availability infrastructure with automatic failover for business continuity. | |
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Data Backup Frequency How often user data is securely backed up. |
No information available | |
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Global Data Center Coverage Distributed servers for reliable international performance. |
Distributed data centers for high-availability and international reliability. | |
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Bandwidth Optimization Efficient performance even on low-bandwidth connections. |
Bandwidth optimization and adaptive performance are referenced in technical support documentation. |
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