Holistiplan prices by client household, billed annually: Basic Tax starts at $749 at the 30-household tier and Premium Tax at $1,499, rising to $11,049 and $15,499 at 750 households. Above 750 you talk to sales about Enterprise. A planning firm with 75 to 150 households pays roughly $1,600 to $3,500 a year.
Users are unlimited, so adding an adviser costs nothing; adding households does. The billable count is your peak over a rolling year and falls only at renewal, which is the detail most firms miss when they budget. Every plan starts with a free 7-day trial. For most small firms the choice between Basic and Premium comes down to one question: will you send the Premium client documents (tax letters, explainers, upload links) to enough households to cover roughly $6 extra per household per year?
Every household tier, side by side
Holistiplan's pricing page carries a dropdown with sixteen household tiers for each plan. These are the annual prices from the page's own price data on 1 November 2026, with the Premium extra and what it works out at per household added.
| Households | Basic Tax | Premium Tax | Premium extra | Extra per household |
|---|---|---|---|---|
| 30 | $749 | $1,499 | $750 | $25.00 |
| 75 | $1,599 | $1,999 | $400 | $5.33 |
| 100 | $1,949 | $2,499 | $550 | $5.50 |
| 150 | $2,649 | $3,499 | $850 | $5.67 |
| 200 | $3,349 | $4,499 | $1,150 | $5.75 |
| 250 | $4,049 | $5,499 | $1,450 | $5.80 |
| 300 | $4,749 | $6,499 | $1,750 | $5.83 |
| 350 | $5,449 | $7,499 | $2,050 | $5.86 |
| 400 | $6,149 | $8,499 | $2,350 | $5.88 |
| 450 | $6,849 | $9,499 | $2,650 | $5.89 |
| 500 | $7,549 | $10,499 | $2,950 | $5.90 |
| 550 | $8,249 | $11,499 | $3,250 | $5.91 |
| 600 | $8,949 | $12,499 | $3,550 | $5.92 |
| 650 | $9,649 | $13,499 | $3,850 | $5.92 |
| 700 | $10,349 | $14,499 | $4,150 | $5.93 |
| 750 | $11,049 | $15,499 | $4,450 | $5.93 |
Three patterns jump out. At the first tier Premium costs roughly double Basic, which makes it hard to justify for a very small book. From 75 households upward the Premium extra settles between $5.33 and $5.93 per household per year, so it behaves almost like a flat surcharge. And the gap is narrowest at 75 households, only $400, which makes that the easiest tier at which to buy Premium.
From 100 households upward each further block of 50 adds $700 to Basic (about $14 a household) and $1,000 to Premium (about $20). The pricing page quotes annual prices only. Holistiplan's billing help refers to firms that pay monthly, so ask whether that option is open to new customers.
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Buy nowWhat Premium Tax adds to Basic Tax
Both plans read the same return and run the same core analysis. The difference is what you can hand to a client and how much of the outreach the software does for you. This matrix comes from the pricing page's comparison grid and the help centre's list of Premium features.
| Feature | Basic Tax | Premium Tax | Who it matters to |
|---|---|---|---|
| Return and transcript upload, automatic tax report | Yes | Yes | Everyone |
| Bracket analysis and scenario columns for what-if sums | Yes | Yes | Everyone |
| Client-ready summary reports | Yes | Yes | Everyone |
| CRM integration, single sign-on, multi-factor sign-in | Yes | Yes | Firms with a CRM or an identity policy |
| State tax projections (typed into scenarios by hand) | No | Yes | Advisers whose clients face large state-level tax bills |
| Multi-year Roth conversion projections | No | Yes | Advisers who sell conversion planning |
| Tax preparation letters | No | Yes | Advisers who coordinate with outside tax preparers |
| Explainer reports: tax, qualified charitable distributions, donor-advised funds | No | Yes | Advisers who talk giving strategy with clients |
| Cash-flow diagram of income and spending | No | Yes | Advisers who want a visual for review meetings |
| Client upload link and data collection tools | No | Yes | Firms that want clients to send returns themselves |
| Built-in email sending, weekly age-reminder digest | No | Yes | Firms that make proactive contact a service feature |
| API integration, custom tax reports | No | Yes | Larger firms with a data or operations person |
| On-demand support, a weekly live support call on retail subscriptions, CFP continuing-education webinars | No | Yes | Teams that value live help and credit hours |
Two limits apply to both plans. The help centre says Holistiplan does not read or analyse state tax returns, and Premium's state projections rely on manual entry. Its FAQ adds that corporate and trust returns are not read either, which matters if business-owner clients are a large share of your book, so confirm the current list of supported forms before you count them.
How a household is counted, and why deleting one will not cut the bill
Holistiplan's household billing article is the page to read before you load a single return. Your tier is set by peak usage across a 12-month billing period. Once a household is active in that year it counts towards the firm's billable total, and deleting it or marking it read-only does not lower the total until renewal. The article is explicit that neither action frees a slot for a new household at no extra cost.
Its two worked examples show the effect. In the first, a firm starts with 40 households and marks 15 read-only in March. It still pays on 40 for the rest of the year, and the 25 that remain set the tier at renewal. In the second, a firm starts with 40, marks 15 read-only and adds 45 during the year, so 85 households were active at some point. It moved up to the 100-household tier in September, the moment it crossed the previous limit, rather than at renewal.
Four habits follow from those rules.
- Do not create households for prospects or for curiosity. A household active for one afternoon still counts for the year.
- Mark dormant clients read-only before renewal if you want a smaller tier next year, because deleting also removes their returns, scenarios and letters permanently.
- Expect an approval step when a new household would push you over a tier edge: non-admins are blocked until a firm admin approves the upgrade.
- Add the Billable Household column to the All Households page and filter on it, so you can see which households count towards your invoice. Deleted households do not appear in that list but can still be counted.
Upgrades are priced as the difference between your current plan and the new one, prorated to your renewal date, and the renewal date does not change. Confirm with support that the same proration applies when you move from Basic to Premium rather than between household tiers.
Before you pick a tier, count households the way Holistiplan will. List every client unit whose return you expect to upload this year, including clients you review once a year. If your book includes couples or multi-generation families, ask support how they are counted. Add any former clients you want to keep as read-only records, and add the prospects you expect to convert. Do not count people you merely talk to, and do not round down: a firm that counts 71 and buys the 75-household tier has no room for the next referral. Compare the total with the nearest tier edge, and if you are within five households of it, price both sides before you decide.
A pre-renewal tidy-up, with numbers
Because the count resets at renewal, a short audit before that date can move you down a tier. Picture a firm with 148 current clients, 12 former clients whose households are still active, and 6 prospects who were loaded for a demonstration. That is 166 households, so the firm is billed in the 200-household tier: $3,349 on Basic. If the former clients are made read-only (their reports stay, and the help centre says this lowers the count at the next renewal) and the demonstration households are deleted, the firm's active count at renewal is 148, which fits the 150-household tier at $2,649. The tidy-up is worth $700 a year on Basic or $1,000 on Premium, and it took an afternoon.
The timing matters. Read-only status and deletion do not reduce the current year's count, so the audit has to happen before the renewal date for next year's bill, and anything you delete is gone for good along with its returns, scenarios and letters. When in doubt, make a household read-only rather than deleting it. Holistiplan's billing help describes the Billable Household column and CSV export, which makes a clean before-and-after record for your own file.
Break-even: the minutes Premium has to save per household
Because the Premium extra behaves like a per-household surcharge, break-even is a time sum. Divide the extra annual cost by your actual household count, divide that by the hourly cost of the person who would otherwise do the work, and multiply by 60. That gives the minutes Premium must save per household per year. Here it is for six firm sizes, with staff time at $40 an hour and adviser time at $100.
| Actual households | Tier you pay for | Premium extra a year | Extra per actual household | Minutes to save at $40 an hour | Minutes at $100 an hour |
|---|---|---|---|---|---|
| 28 | 30 | $750 | $26.79 | 40.2 | 16.1 |
| 60 | 75 | $400 | $6.67 | 10.0 | 4.0 |
| 120 | 150 | $850 | $7.08 | 10.6 | 4.2 |
| 240 | 250 | $1,450 | $6.04 | 9.1 | 3.6 |
| 480 | 500 | $2,950 | $6.15 | 9.2 | 3.7 |
| 700 | 700 | $4,150 | $5.93 | 8.9 | 3.6 |
For any firm above about 60 households, Premium pays for itself if it saves roughly nine to eleven minutes of assistant time, or about four minutes of adviser time, per household each year. The small firm at 28 households is the outlier: it needs forty minutes per household, so Basic is the sensible default unless one Premium feature is central to how you serve clients.
Five questions that settle Basic or Premium
If the break-even table has not already decided it, answer these in order. Two or more yeses on questions one to four point to Premium; a yes on question five alone usually does not.
- Do you send, or want to send, a letter to clients and their tax preparers each year?
- Do you want clients to upload their own returns through a link, instead of your assistant chasing them?
- Do you run Roth conversion or charitable giving conversations with more than a handful of clients a year?
- Do you want age-based reminders and built-in email to prompt your proactive contact?
- Do you want live support calls or continuing-education credits as part of the subscription?
The fifth is a perk, not a workflow, which is why it counts for less. A firm that answers no to the first four should start on Basic, run it for a season, and upgrade through the subscription settings when a real client situation calls for a Premium output. Starting low and moving up should cost only the prorated difference, which the billing help describes for upgrades, though you should confirm that for a Basic to Premium move. The billing help describes reductions only at renewal, so assume that moving down mid-year is not possible until you have been told otherwise.
A three-adviser firm with 240 households, worked through
Take a firm with three advisers, one assistant and 240 client households. It sits in the 250-household tier, so Basic Tax is $4,049 a year and Premium Tax is $5,499, an extra $1,450. The decision is whether Premium's outputs replace work the firm already does by hand. Here are the assumptions, which you should replace with your own after timing a few real households.
| Premium feature | Households | Minutes saved each | Hours saved | Value at $40 an hour |
|---|---|---|---|---|
| Tax letters to clients and their preparers, replacing a hand-written letter | 120 | 20 | 40.0 | $1,600 |
| Explainer reports for giving and tax conversations | 30 | 15 | 7.5 | $300 |
| Roth projection instead of a custom spreadsheet | 40 | 25 | 16.7 | $667 |
| Total | 64.2 | $2,567 |
Against the $1,450 extra, the net is about $1,117 a year. The useful part is the split. Tax letters alone are worth $1,600, which covers the extra by themselves with $150 to spare. The Roth tool alone is worth $667, which would not. If the firm does not already send letters to clients' tax preparers, none of these hours exist and Premium would be a $1,450 cost for features nobody opens. Time spent is only money if the hours are redeployed to billable planning or fewer late nights in the busy season.
Five firm sizes and the plan each should start on
A solo adviser with 28 households. Basic at $749. Premium would be $1,499 at this tier, double the price for a book that small. Revisit when you cross 30 clients, when the next tier up makes the gap only $400.
A two-adviser practice with 60 households. The 75-household tier makes Basic $1,599 and Premium $1,999. A $400 gap is under seven dollars per household, so Premium is easy to defend if you send even one letter or explainer per client.
A two-adviser firm with 120 households. Tier 150: Basic $2,649, Premium $3,499. If you want the client upload link so clients send returns themselves and your assistant stops chasing PDFs, that single feature can justify the $850.
A six-adviser firm with 560 households. Tier 600: Basic $8,949, Premium $12,499, a $3,550 gap. At this size, ask Holistiplan whether a volume discount or an annual association discount applies before you pick. The pricing page lists discounts for members of several adviser associations and clients of one custodian, and it invites others to ask.
A ten-adviser firm with 800 households. You are past the last published tier, so the Enterprise conversation starts. Holistiplan says only that Enterprise terms are agreed with its team and that billing terms are defined in your contract and may differ from the published rules.
The cost of crossing a tier edge
Because tiers are steps, the 76th, 101st or 151st household can cost far more than the one before. Holistiplan will prompt before it happens, but you should know the numbers before you sign a new client.
| Crossing | Basic Tax adds | Premium Tax adds |
|---|---|---|
| Household 31 (tier 30 to tier 75) | $850 | $500 |
| Household 76 (tier 75 to tier 100) | $350 | $500 |
| Household 101 (tier 100 to tier 150) | $700 | $1,000 |
| Each further block of 50 from household 151 | $700 | $1,000 |
A firm sitting at 100 households that signs client number 101 pays $700 more on Basic or $1,000 more on Premium, and it pays that immediately, prorated to the renewal date. If a new client is worth less than that in fees for the year, either onboard them after renewal or retire a dormant household before the year starts so next year's count is lower.
The insurance module: included from 150 households, with a check
The pricing page shows a separate Starter Insurance module covering home, auto and umbrella declaration uploads, a coverage review, an agent letter and a rebuilding cost estimator. It says insurance is included for firms with 150 households and above. The module's own calculator, however, still shows a price at every tier: $450 a year at 30 households, $2,250 at 150 and $11,250 at 750. Those two statements sit awkwardly together, so ask whether the module is free at your tier and get the answer in writing before you count it as a saving.
Using the seven-day trial properly
A week is short when returns arrive as scans and your clients answer slowly. Prepare before you start the clock.
- Before day 1: collect eight digital return PDFs straight from the preparer's software where you can. Holistiplan's FAQ says scanned returns take longer and get a manual check, and returns run through a scanner's own text recognition give poor data.
- Days 1 and 2: upload three returns and read each tax report against the PDF line by line. Note any figure that differs.
- Day 3: build two what-if columns in scenario analysis, one Roth conversion and one extra income case, and show the result to a colleague.
- Day 4: test your CRM link. The help centre lists guides for several CRMs and for meeting-notes tools, so confirm yours is among them.
- Day 5: if Premium is on the table, generate a tax letter and an explainer report and decide whether you would send them unedited.
- Days 6 and 7: count the households you would load in year one, check the tier, and decide. Typing UPGRADE into the box after you log in reveals a button that moves you to a paid plan immediately, so do not click it until you have decided.
The page does not state how many households a trial can hold, so ask before loading real client returns. Holistiplan's FAQ says client identification numbers are not stored in its database and stay on the PDF, and that you can redact them before upload without affecting reading. If your compliance policy is strict, that is worth testing on day 1.
Questions to ask Holistiplan before you sign
- At my expected peak household count, which tier am I in, and what is the exact invoice?
- Is a monthly payment option open to new customers, or is every plan annual?
- What counts as an active household, and does a household I create and archive on the same day count?
- When I move from Basic to Premium mid-year, is the price the prorated difference?
- Is the insurance module free at my tier, and for how long?
- Do I qualify for an association or custodian discount?
- Will my renewal price at the same tier match today's price, and with how much notice would a change reach me?
If the tax-reading step is the only job you want from software, it is also worth asking whether a general AI assistant could do part of it. For consistent bracket modelling and a repeatable report, a dedicated tool is the safer choice, while an assistant is more useful for explaining the result in plain English. The tutorial on using AI in financial planning with tax return data shows where the line sits, the comparison of FP Alpha and Holistiplan covers the main alternative, and the guide to year-end planning letters with AI is useful if tax letters are your reason to consider Premium. For a wider checklist, see AI software for wealth management: a small firm's evaluation checklist and what to test first in AI financial planning software.
Holistiplan pricing questions from planning firms
Does Holistiplan charge per user?
No. Basic Tax lists unlimited users, and Holistiplan's FAQ says a firm's contract is for the number of households created, not users or uploads. Cost rises with household tiers, from $749 a year for Basic Tax at 30 households to $11,049 at 750 households. Adding an adviser or assistant costs nothing extra, though separate logins let you keep each person to their own households.
Is there a monthly Holistiplan plan?
The pricing page quotes annual prices only: $749 for Basic Tax and $1,499 for Premium Tax at the 30-household tier. Holistiplan's billing help does mention firms that pay monthly, so ask whether a monthly option is open to new customers before you assume one exists. Enterprise terms above 750 households are set by contract.
What happens if I pass my household tier mid-year?
Holistiplan prompts you before a new household would push you into the next tier, and a firm admin has to approve it. The upgrade takes effect immediately. The help centre says its price is the difference between plans, prorated to your renewal date, and the renewal date does not move. Deleting households later does not reduce the count until renewal.
Do prospects count as households?
Any household that is active at some point in your billing year counts towards your tier, even if you later delete it or make it read-only. Creating households for prospects can therefore raise your bill. Keep prospect returns out of the system until the client has signed, or budget for them in your tier.
Is the Holistiplan free trial really free?
Every subscription plan starts with a free 7-day trial, and the pricing page says you can upgrade or cancel at any time. After you log in, typing UPGRADE into the box at the top of the page reveals a button that moves you to a paid plan immediately. The page does not say how many households a trial can hold, so ask before you load real client returns.
Further reads
- AI for Wealth Management Firms: A 90-Day Rollout Plan for Small Firms — A rollout plan for small firms adding AI tools.
- How Advisers Use AI to Prepare for Annual Client Reviews — Prepare annual reviews faster using the reports you already have.
- AI CRM for Financial Advisers: What Is Built In and What Is Bolted On — Which CRM features are built in and which are bolted on.
- Best AI App for Wealth Management: Jump, Zocks and Wealthbox — Meeting-notes tools that sit beside tax planning software.
- AI Automation for Financial Advisers: Onboarding Without Re-Keying — Onboard clients without re-keying their details.
- AI in Wealth Management Examples: Five Admin Jobs Worth Trying — Five admin jobs worth trying first.
- AI Tools and AI Development: The Complete 2026 Guide — the AI hub, including every tutorial in the AI-for-business series.
Sources: Holistiplan pricing page and the price data it carries (fetched 1 November 2026), Holistiplan FAQ page, and Holistiplan help-centre articles on household billing, managing a subscription, Premium features, deleting households and integrations.