Family Office vs Pralana

We make Family Office. Every fact about another app here comes from its own public pages, linked below and dated; where those pages do not say, the cell is blank. Family Office's column comes from its own code.

Who Pralana suits

Pralana is a detailed US retirement planner, online or as an Excel workbook (Gold), for people who want US tax and accounts modelled in depth; Pro plans are for advisers.

Side by side

Feature	Family Office (ours)	Pralana
US tax	Federal and state income tax (51 regimes, one per state and DC), capital gains and dividends with the net investment income tax, 85 percent of Social Security taxed (the statutory maximum) and IRMAA on Medicare premiums, year by year in the plan, and federal estate tax on the estate it leaves	Federal, state and local tax with replicas of the tax forms: capital gains, the net investment income tax, the alternative minimum tax, ACA credits and Schedule E
Other countries	122 tax regimes in 34 countries; a move from one to another in the plan on Premium and up
Monte Carlo	The chance of success on every plan, the Free plan included; the paths and the fan chart on Gold and Platinum	1,000 simulations
Companies and trusts	On Platinum: any number of companies, sole traders, partnerships or trusts, beside the household
Property	Homes and rentals with their mortgages, purchases and sales: 1 on Free, 3 on Premium, no limit on Gold and Platinum	Rentals, with depreciation
Pensions	401(k), Roth 401(k), IRA, Roth IRA, 529 and Social Security; other pension income as an annuity	IRAs, Roth accounts, tax-deferred and taxable accounts, and Social Security
Bank links	Through Plaid (United States): 2 on Premium, 10 on Gold and Platinum
Free plan	Yes, with no card and no time limit: up to 8 items, one taxpayer and a projection of 5 periods. The paid plans start with 14 days free, card needed. The calculators are free, with no account.	Bronze is a free download, to be replaced by a free trial of Pralana Online
Price	$15 to $59 a month (£12 to £49, CA$20 to CA$79); a year costs the price of 10 months	Online: Platinum $30 sign-up and $99 a year, Family $40 and $159, Pro $50 and $349, Pro 50 $100 and $499; Gold (Excel) $99 a year
Where data is kept	Amazon Web Services in London (eu-west-2); bank links (Plaid), payments (Stripe) and maps (Google) through US providers; e-mail through Google Workspace; see the privacy policy for the full list
Export	The whole plan as a file you can import again, on every plan; the report printed to PDF on the paid plans; budget transactions as CSV

A blank cell: Pralana's public pages did not say.

When Pralana is the better choice

You want US tax modelled in depth: replicas of the federal, state and local forms, the alternative minimum tax and ACA credits.
You want the model as an Excel workbook you can open and inspect (Gold).
You are an adviser with up to 25 or 50 clients (Platinum Pro and Pro 50).

When Family Office is the better choice

Your life spans more than one country: 122 tax regimes in 34 countries, and a move from one to another in the plan (Premium and up).
You own a company, a partnership or a trust: Platinum keeps any number of them beside the household.
Your banks are in a country where Family Office links accounts through Plaid (Canada and United States), and you want their balances brought in (Premium and up).

Sources

Facts about other apps checked on 2026-11-10. Prices and features change: each app's own page is the reference.

Other comparisons

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