Albert
$19.99/mostarts at
Banking, budgeting & investing app with 'Genius' money help
Budgeting · Manages money
Best for: Banking, budgeting and investing in one subscription
Verified 2026-10-26 · some fields unverified
Updated 2026-10-26 · sources on every fact
18 AI money apps, checked against their own pricing pages and the SEC's adviser database.
AI financial advisors, budgeting apps and robo-advisors compared on what they cost, what they actually do, and whether there's an SEC-registered adviser behind the advice. 12 of the 18 are. 10 have a free plan.
Four questions
Find my app
Tell us what you need help with, whether SEC registration matters, and your budget. We match you against the same verified data as the table below, not against who pays us.
All apps
Alphabetical. Order never depends on who pays us.
Astor
Free planstarts at
AI investing agent (iPhone / iMessage)
Planning · Portfolio analysis
SEC-registered · CRD 338424 Free plan
Best for: iPhone users who want proactive portfolio alerts without an AUM fee
Verified 2026-10-26
Betterment
$5/mo or 0.25%/yrstarts at
Robo-advisor (automated investing)
Portfolio analysis · Manages money
Best for: Goal-based investing with optional human help
Verified 2026-10-26
CFO Silvia
Free planstarts at
AI 'personal CFO' (net worth + Q&A)
Budgeting · Planning · Portfolio analysis
Not an SEC adviser* Free plan
Best for: Asking plain-English questions about your own numbers
Verified 2026-10-26
Cleo
$5.99/mostarts at
AI money coach (budgeting, credit, cash advance)
Budgeting · Planning
Not an SEC adviser*
Best for: Getting spending, debt and credit under control
Verified 2026-10-26 · some fields unverified
Copilot Money
$7.92/mostarts at
Budgeting & investment tracking app
Budgeting · Portfolio analysis
Not an SEC adviser*
Best for: Apple users who want a beautiful, low-effort budget
Verified 2026-10-26 · some fields unverified
Empower
Free dashboardstarts at
Free net-worth dashboard + managed wealth (robo/advisor)
Planning · Portfolio analysis · Manages money
SEC-registered · CRD 112058 Free plan
Best for: Free net-worth and fee tracking
Verified 2026-10-26
Evergreen.ai
Free planstarts at
AI financial planning app
Budgeting · Planning · Portfolio analysis · Manages money
SEC-registered · CRD 326535 Free plan
Best for: A free AI planner for retirement and taxes
Verified 2026-10-26
Magnifi
Free planstarts at
AI investing assistant
Planning · Portfolio analysis
SEC-registered · CRD 309397 Free plan
Best for: Self-directed investors who want research and what-if analysis
Verified 2026-10-26
Mezzi
Free planstarts at
AI wealth advisor
Budgeting · Planning · Portfolio analysis
SEC-registered · CRD 337818 Free plan
Best for: DIY investors with many accounts who want tax and retirement answers
Verified 2026-10-26
Monarch
$8.33/mostarts at
Budgeting & net-worth app with AI assistant
Budgeting · Planning · Portfolio analysis
Not an SEC adviser*
Best for: Couples and households sharing a budget
Verified 2026-10-26
Nino
$20.00/mostarts at
AI financial assistant + optional CPA/planner team
Planning
Not an SEC adviser*
Best for: Equity-comp, landlord or multi-state tax situations
Verified 2026-10-26
Origin
$8.25/mostarts at
AI financial advisor + money app
Budgeting · Planning · Portfolio analysis
Best for: One app for budgets, investments and occasional human planning
Verified 2026-10-26
PortfolioPilot
Free planstarts at
AI investing & planning advisor
Planning · Portfolio analysis
SEC-registered · CRD 327520 Free plan
Best for: Risk and allocation advice across brokerages
Verified 2026-10-26
Public (Alpha AI)
Free (Alpha)starts at
Investing app with free AI research assistant
Portfolio analysis
SEC-registered · CRD 318234 Free plan
Best for: Stock pickers who want free AI research
Verified 2026-10-26 · some fields unverified
Range
$3,950/yrstarts at
Flat-fee advisor with proprietary AI ('Rai')
Budgeting · Planning · Portfolio analysis · Manages money
Best for: High earners who'd otherwise pay a 1% advisor
Verified 2026-10-26
Rocket Money
Free planstarts at
Budgeting & subscription app with AI assistant
Budgeting · Planning
Not an SEC adviser* Free plan
Best for: Cutting subscriptions and bills
Verified 2026-10-26
Wealthfront
0.25%/yrstarts at
Robo-advisor (automated investing)
Portfolio analysis · Manages money
SEC-registered · CRD 148456 Free plan
Best for: Hands-off automated investing
Verified 2026-10-26
We may earn a commission if you sign up through our links. It never changes our data or picks. Disclosure
*No matching firm in an SEC IAPD search under the company's name. Several of these apps say outright that they aren't advisers. That's a search result, not a legal finding.
Side-by-side comparison
Click a column header to sort. The filters above apply here too.
| App | Starts at | Free plan | Free trial | Budgeting | Planning | Portfolio analysis | Manages money | SEC adviser | Try it | Verified |
|---|---|---|---|---|---|---|---|---|---|---|
| Albert Banking, budgeting & investing app with 'Genius' money help |
$19.99/mo | no | 30 days before you're charged | yes | not listed | not listed | yes | SEC-registered · CRD 298006 | Try | 2026-10-26 partial |
| Astor AI investing agent (iPhone / iMessage) |
Free plan | yes | Free plan, no card | not listed | yes | yes | no | SEC-registered · CRD 338424 | Try | 2026-10-26 |
| Betterment Robo-advisor (automated investing) |
$5/mo or 0.25%/yr | no | Not stated | not listed | not listed | yes | yes | SEC-registered · CRD 149117 | Try | 2026-10-26 |
| CFO Silvia AI 'personal CFO' (net worth + Q&A) |
Free plan | yes | Free plan | yes | yes | yes | no | Not an SEC adviser* | Try | 2026-10-26 |
| Cleo AI money coach (budgeting, credit, cash advance) |
$5.99/mo | unverified | Not stated | yes | yes | not listed | not listed | Not an SEC adviser* | Try | 2026-10-26 partial |
| Copilot Money Budgeting & investment tracking app |
$7.92/mo | no | 1 month for new users | yes | not listed | yes | no | Not an SEC adviser* | Try | 2026-10-26 partial |
| Empower Free net-worth dashboard + managed wealth (robo/advisor) |
Free dashboard | yes | n/a (dashboard is free) | not listed | yes | yes | yes | SEC-registered · CRD 112058 | Try | 2026-10-26 |
| Evergreen.ai AI financial planning app |
Free plan | yes | Free beta | yes | yes | yes | separate paid program | SEC-registered · CRD 326535 | Try | 2026-10-26 |
| Magnifi AI investing assistant |
Free plan | yes | Not stated | not listed | yes | yes | not listed | SEC-registered · CRD 309397 | Try | 2026-10-26 |
| Mezzi AI wealth advisor |
Free plan | yes | Not stated | yes | yes | yes | not listed | SEC-registered · CRD 337818 | Try | 2026-10-26 |
| Monarch Budgeting & net-worth app with AI assistant |
$8.33/mo | no | 7 days, payment method required | yes | yes | yes | not listed | Not an SEC adviser* | Try | 2026-10-26 |
| Nino AI financial assistant + optional CPA/planner team |
$20.00/mo | no | 7-day software trial, no card. Advisor plans: 30-day money-back guarantee | not listed | yes | not listed | no | Not an SEC adviser* | Try | 2026-10-26 |
| Origin AI financial advisor + money app |
$8.25/mo | no | Not currently — help center says the free trial is unavailable during the first-year promo | yes | yes | yes | not listed | SEC-registered · CRD 305353 | Try | 2026-10-26 |
| PortfolioPilot AI investing & planning advisor |
Free plan | yes | Not stated | not listed | yes | yes | not listed | SEC-registered · CRD 327520 | Try | 2026-10-26 |
| Public (Alpha AI) Investing app with free AI research assistant |
Free (Alpha) | yes | unverified | no | not listed | yes | not listed | SEC-registered · CRD 318234 | Try | 2026-10-26 partial |
| Range Flat-fee advisor with proprietary AI ('Rai') |
$3,950/yr | no | Not stated | yes | yes | yes | yes | SEC-registered · CRD 321969 | Try | 2026-10-26 |
| Rocket Money Budgeting & subscription app with AI assistant |
Free plan | yes | 7-day Premium trial | yes | yes | not listed | not listed | Not an SEC adviser* | Try | 2026-10-26 |
| Wealthfront Robo-advisor (automated investing) |
0.25%/yr | yes | Self-directed brokerage account has no advisory fee | not listed | not listed | yes | yes | SEC-registered · CRD 148456 | Try | 2026-10-26 |
"Starts at" is the cheapest listed plan per month, using annual billing where offered. not listed means the sources we checked don't mention the feature, which doesn't prove it's missing.
We may earn a commission if you sign up through our links. It never changes our data or picks. Disclosure
Popular comparisons
Origin vs MezziOrigin vs MonarchMonarch vs Copilot MoneyWealthfront vs BettermentMezzi vs PortfolioPilotMagnifi vs PortfolioPilotAstor vs MagnifiCleo vs Rocket MoneyEmpower vs MonarchRange vs NinoEvergreen.ai vs OriginCFO Silvia vs MezziBetterment vs EmpowerWealthfront vs EmpowerCopilot Money vs Rocket MoneyPublic (Alpha AI) vs Magnifi