Family Office vs a spreadsheet

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 a spreadsheet suits

A spreadsheet suits someone who wants to see and change every formula, and is happy to build and update them.

Side by side

Feature	Family Office (ours)	A spreadsheet
UK tax	Income tax with Scotland's own bands, capital gains tax and dividend tax, year by year in the plan, and inheritance tax on the estate it leaves	Whatever formulas you write and keep up to date
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	Whatever formulas you write and keep up to date
Canadian tax	Federal and provincial income tax (13 regimes, one per province and territory), capital gains at the inclusion rate, dividends with the gross-up and credit, the OAS recovery tax and RRIF minimum withdrawals, year by year in the plan, and the tax at death on RRSP, RRIF, LIRA and LIF balances	Whatever formulas you write and keep up to date
Other countries	122 tax regimes in 34 countries; a move from one to another in the plan on Premium and up	Any you build
Monte Carlo	The chance of success on every plan, the Free plan included; the paths and the fan chart on Gold and Platinum	Possible if you build it
Companies and trusts	On Platinum: any number of companies, sole traders, partnerships or trusts, beside the household	Any you build
Property	Homes and rentals with their mortgages, purchases and sales: 1 on Free, 3 on Premium, no limit on Gold and Platinum	Any you build
Pensions	UK: SIPP, ISA, Lifetime ISA, Junior ISA and State Pension. US: 401(k), IRA, Roth IRA, 529 and Social Security. Canada: RRSP, RRIF, TFSA, FHSA, RESP, CPP and OAS. Other pension income as an annuity.	Any you build
Bank links	Through Plaid (United States and Canada): 2 on Premium, 10 on Gold and Platinum. Not yet: United Kingdom	You type or paste the figures
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.	Yes: LibreOffice Calc is free
Price	£12 to £49 a month ($15 to $59, CA$20 to CA$79); a year costs the price of 10 months	Free with LibreOffice
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	Wherever you keep the file
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	The file is yours

When a spreadsheet is the better choice

You want to see and change every formula.
You want no subscription: LibreOffice Calc is free.
Your finances are simple and you enjoy keeping the sheet up to date.

When Family Office is the better choice

You want UK tax worked out in the plan: income tax with Scotland's bands, capital gains and dividends year by year, and inheritance tax on the estate the plan leaves.
You want US tax worked out in the plan: each state's own income tax brackets, the net investment income tax year by year, and federal estate tax on the estate the plan leaves.
You want Canadian tax worked out in the plan: federal and provincial income tax, the dividend gross-up and credit, the OAS recovery tax and RRIF minimums year by year, and the tax at death on RRSP, RRIF, LIRA and LIF balances.
You want Monte Carlo runs beside the year-by-year plan (Gold and Platinum).
You own several properties: purchases, sales, mortgages and rents, line by line in the statements.

Sources

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

https://www.libreoffice.org/

Other comparisons

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