{"generated": "2026-10-26", "apps": [{"slug": "albert", "name": "Albert", "url": "https://albert.com/", "type": "Banking, budgeting & investing app with 'Genius' money help", "ai_feature": "Genius: money guidance and document breakdowns. Albert says Genius is not a financial advisor", "ai_source": "https://albert.com/", "does": {"budgeting": "yes", "planning": "not listed", "portfolio_analysis": "not listed", "manages_money": "yes"}, "does_source": "https://albert.com/", "price_from_usd_month": 19.99, "tiers": [{"name": "Subscription plans", "price": "$19.99/mo to $39.99/mo", "source": "https://albert.com/", "note": "Albert's footer: plans range from $19.99 to $39.99 per month. What each level includes isn't listed there."}], "free_tier": "no", "free_trial": "30 days before you're charged", "free_source": "https://albert.com/", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 298006, "firm_name": "ALBERT INVESTMENTS, LLC", "sec_effective": "2018-12-03", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/298006", "api_snapshot": "data/sources/iapd/298006.json", "brand_link_source": "https://albert.com/", "brand_link_note": "Albert's site says investment advisory services are provided by Albert Investments, LLC, a Registered Investment Advisor. The RIA covers its investing accounts, not Genius."}, "affiliate": {"status": "Affiliate program on Impact (third-party listing; rate unverified)", "url": "https://www.affilitizer.com/programs/albert.com"}, "gaps": ["What each plan level includes", "Affiliate commission rate"], "verification": "partial", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/298006", "https://albert.com/", "https://www.affilitizer.com/programs/albert.com"], "cta_url": "https://albert.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=albert", "price_display": "$19.99/mo", "best_for": "Banking, budgeting and investing in one subscription", "take": "A lot in one app, but $20–$40 a month is pricey next to focused tools. Do the math on what you'd actually use.", "focus": ["budgeting"]}, {"slug": "astor", "name": "Astor", "url": "https://www.astor.app/", "type": "AI investing agent (iPhone / iMessage)", "ai_feature": "Personal investing agent: chat, voice, alerts; Max adds user-approved 'Text to Trade' via Robinhood", "ai_source": "https://www.astor.app/", "does": {"budgeting": "not listed", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "no"}, "does_source": "https://reports.adviserinfo.sec.gov/crs/crs_338424.pdf", "price_from_usd_month": 0, "tiers": [{"name": "Free", "price": "$0, no card", "source": "https://www.astor.app/legal/terms"}, {"name": "Pro", "price": "$19/mo or $120/yr", "source": "https://www.astor.app/legal/terms"}, {"name": "Max", "price": "$29/mo or $228/yr", "source": "https://www.astor.app/legal/terms"}], "free_tier": "yes", "free_trial": "Free plan, no card", "free_source": "https://www.astor.app/", "price_conflict": "Astor's Form CRS (reports.adviserinfo.sec.gov/crs/crs_338424.pdf) and an older /pricing page list different prices (Pro $14.99/mo, Max $39/mo). We show the Terms of Service + homepage prices.", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 338424, "firm_name": "ASTOR", "sec_effective": "2026-02-05", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/338424", "api_snapshot": "data/sources/iapd/338424.json", "brand_link_source": "https://www.astor.app/", "brand_link_note": "Astor's site: advisory services provided by Gaus, Inc. dba Astor; IAPD lists other names GAUS, INC."}, "affiliate": {"status": "None found", "url": null}, "verification": "verified", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/338424", "https://reports.adviserinfo.sec.gov/crs/crs_338424.pdf", "https://www.astor.app/", "https://www.astor.app/legal/terms"], "cta_url": "https://www.astor.app/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=astor", "price_display": "Free plan", "best_for": "iPhone users who want proactive portfolio alerts without an AUM fee", "take": "A clever text-first adviser at a low flat price. It's very new (SEC registration approved Feb 2026), so check current pricing before you pay.", "focus": ["portfolio_analysis"]}, {"slug": "betterment", "name": "Betterment", "url": "https://www.betterment.com/", "type": "Robo-advisor (automated investing)", "ai_feature": "Automated investing and tax-loss harvesting (no AI-specific feature verified)", "ai_source": "https://www.betterment.com/pricing", "does": {"budgeting": "not listed", "planning": "not listed", "portfolio_analysis": "yes", "manages_money": "yes"}, "does_source": "https://www.betterment.com/pricing", "price_from_usd_month": 5, "tiers": [{"name": "Digital", "price": "$5/mo, or 0.25%/yr with $24K+ balance or $200+/mo deposits", "source": "https://www.betterment.com/pricing"}, {"name": "Premium", "price": "0.65%/yr (adds advisor access)", "source": "https://www.betterment.com/pricing"}], "free_tier": "no", "free_trial": "Not stated", "free_source": "https://www.betterment.com/pricing", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 149117, "firm_name": "BETTERMENT", "sec_effective": "2009-05-21", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/149117", "api_snapshot": "data/sources/iapd/149117.json", "brand_link_source": "https://adviserinfo.sec.gov/firm/summary/149117", "brand_link_note": "IAPD lists BETTERMENT LLC."}, "affiliate": {"status": "Affiliate program on Impact via Acceleration Partners — $50 per funded account, 30-day cookie, U.S.", "url": "https://www.accelerationpartners.com/affiliate-programs/betterment/"}, "verification": "verified", "price_label": "$5/mo or 0.25%/yr", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/149117", "https://www.accelerationpartners.com/affiliate-programs/betterment/", "https://www.betterment.com/", "https://www.betterment.com/pricing"], "cta_url": "https://www.betterment.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=betterment", "price_display": "$5/mo or 0.25%/yr", "best_for": "Goal-based investing with optional human help", "take": "A mature, trustworthy robo-advisor. Set up a recurring deposit to avoid the $5/mo fee, and pay for Premium only if you'll use the advisors.", "focus": ["manages_money"]}, {"slug": "cfo-silvia", "name": "CFO Silvia", "url": "https://www.cfosilvia.com/", "type": "AI 'personal CFO' (net worth + Q&A)", "ai_feature": "Ask questions about your whole balance sheet; 'Radar' alerts", "ai_source": "https://www.cfosilvia.com/faq", "does": {"budgeting": "yes", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "no"}, "does_source": "https://www.cfosilvia.com/faq", "price_from_usd_month": 0, "tiers": [{"name": "Free", "price": "$0, no card", "source": "https://www.cfosilvia.com/faq"}, {"name": "Pro", "price": "$17/mo billed annually; $20 monthly", "source": "https://www.cfosilvia.com/faq"}, {"name": "Max", "price": "$200/mo", "source": "https://www.cfosilvia.com/faq"}], "free_tier": "yes", "free_trial": "Free plan", "free_source": "https://www.cfosilvia.com/terms-of-service", "sec": {"status": "Not found in SEC IAPD", "registered": false, "crd": null, "firm_name": null, "searched": "silvia", "iapd_url": "https://adviserinfo.sec.gov/", "note": "Not an adviser: Silvia's help docs say it is an informational tool, not a financial advisor. Only IAPD match is an unrelated firm."}, "affiliate": {"status": "None found", "url": null}, "verification": "verified", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/", "https://www.cfosilvia.com/", "https://www.cfosilvia.com/faq", "https://www.cfosilvia.com/terms-of-service"], "cta_url": "https://www.cfosilvia.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=cfo-silvia", "price_display": "Free plan", "best_for": "Asking plain-English questions about your own numbers", "take": "A capable chat-with-your-money tool with a usable free plan. We found no SEC registration, so treat its answers as analysis, not advice.", "focus": ["portfolio_analysis"]}, {"slug": "cleo", "name": "Cleo", "url": "https://web.meetcleo.com/", "type": "AI money coach (budgeting, credit, cash advance)", "ai_feature": "\"Advanced AI that remembers your goals\" / AI coaching (Pro and Builder)", "ai_source": "https://web.meetcleo.com/pricing", "does": {"budgeting": "yes", "planning": "yes", "portfolio_analysis": "not listed", "manages_money": "not listed"}, "does_source": "https://web.meetcleo.com/pricing", "price_from_usd_month": 5.99, "tiers": [{"name": "Plus", "price": "$5.99/mo", "source": "https://web.meetcleo.com/pricing"}, {"name": "Pro", "price": "$8.99/mo", "source": "https://web.meetcleo.com/pricing"}, {"name": "Builder", "price": "$14.99/mo", "source": "https://web.meetcleo.com/pricing"}], "free_tier": "unverified", "free_trial": "Not stated", "free_source": "https://web.meetcleo.com/pricing", "sec": {"status": "Not found in SEC IAPD", "registered": false, "crd": null, "firm_name": null, "searched": "cleo ai; cleo", "iapd_url": "https://adviserinfo.sec.gov/", "note": "IAPD search for 'Cleo AI' returned no firms; the only 'Cleo' result (Cleo Capital Management) is unrelated."}, "affiliate": {"status": "Listed on Impact / Rakuten / Skimlinks. Third-party: $4 flat (unconfirmed)", "url": "https://www.affiliategraph.ai/programs/cleo"}, "verification": "partial", "gaps": ["Whether a free plan exists (pricing page notes cash advance can be requested without subscribing)"], "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/", "https://web.meetcleo.com/", "https://web.meetcleo.com/pricing", "https://www.affiliategraph.ai/programs/cleo"], "cta_url": "https://web.meetcleo.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=cleo", "price_display": "$5.99/mo", "best_for": "Getting spending, debt and credit under control", "take": "Motivating and fun for budgeting and credit. It's a coach, not an investment adviser. Be careful with the cash-advance features.", "focus": ["budgeting"]}, {"slug": "copilot-money", "name": "Copilot Money", "url": "https://www.copilot.money/", "type": "Budgeting & investment tracking app", "ai_feature": "AI auto-categorizes transactions and learns your spending patterns", "ai_source": "https://www.copilot.money/", "does": {"budgeting": "yes", "planning": "not listed", "portfolio_analysis": "yes", "manages_money": "no"}, "does_source": "https://www.copilot.money/", "price_from_usd_month": 7.92, "tiers": [{"name": "Yearly", "price": "$95/yr (≈$7.92/mo)", "source": "https://www.copilot.money/"}, {"name": "Monthly", "price": "unverified", "source": "https://www.copilot.money/faq", "note": "Monthly price not shown on pages we fetched"}], "free_tier": "no", "free_trial": "1 month for new users", "free_source": "https://www.copilot.money/faq", "sec": {"status": "Not found in SEC IAPD", "registered": false, "crd": null, "firm_name": null, "searched": "copilot money", "iapd_url": "https://adviserinfo.sec.gov/", "note": "No IAPD firm found; Copilot's FAQ says it does not provide personalized investment or financial advice."}, "affiliate": {"status": "Listed on Impact (third-party directory; rate not shown). Users also get refer-a-friend free months", "url": "https://www.affilitizer.com/programs/copilot.money"}, "verification": "partial", "gaps": ["Monthly price"], "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/", "https://www.affilitizer.com/programs/copilot.money", "https://www.copilot.money/", "https://www.copilot.money/faq"], "cta_url": "https://www.copilot.money/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=copilot-money", "price_display": "$7.92/mo", "best_for": "Apple users who want a beautiful, low-effort budget", "take": "The best-looking budget app for Apple users. Budgeting only: its own FAQ says it's not a financial advisor.", "focus": ["budgeting"]}, {"slug": "empower", "name": "Empower", "url": "https://www.empower.com/", "type": "Free net-worth dashboard + managed wealth (robo/advisor)", "ai_feature": "Automated portfolio management and a free tracking dashboard. No AI chatbot is listed on the pages we fetched", "ai_source": "https://www.empower.com/products-solutions/personal-strategy", "does": {"budgeting": "not listed", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "yes"}, "does_source": "https://www.empower.com/products-solutions/personal-strategy", "price_from_usd_month": 0, "tiers": [{"name": "Personal Dashboard", "price": "Free", "source": "https://www.empower.com/affiliates", "note": "Described as a 'free financial dashboard'"}, {"name": "Personal Strategy (investment services, $100K–$249,999)", "price": "0.89%/yr", "source": "https://www.empower.com/products-solutions/personal-strategy"}, {"name": "Wealth management ($250K–$999,999)", "price": "0.89%/yr", "source": "https://www.empower.com/products-solutions/personal-strategy"}, {"name": "Private clients", "price": "0.79% first $3M → 0.69% next $2M → 0.59% next $5M → 0.49% over $10M", "source": "https://www.empower.com/products-solutions/personal-strategy"}], "free_tier": "yes", "free_trial": "n/a (dashboard is free)", "free_source": "https://www.empower.com/affiliates", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 112058, "firm_name": "EMPOWER ADVISORY GROUP, LLC", "sec_effective": "2000-11-22", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/112058", "api_snapshot": "data/sources/iapd/112058.json", "brand_link_source": "https://www.empower.com/products-solutions/personal-strategy", "brand_link_note": "Empower's page: 'Advisory services are provided for a fee by Empower Advisory Group, LLC (EAG)... registered investment adviser with the SEC.'"}, "affiliate": {"status": "Affiliate program on Impact: paid per Qualified Lead (visitor links $100K+ to the free dashboard). Empower discloses sites are paid up to $250 per lead (first-party page)", "url": "https://www.empower.com/affiliates"}, "verification": "verified", "price_label": "Free dashboard", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/112058", "https://www.empower.com/", "https://www.empower.com/affiliates", "https://www.empower.com/products-solutions/personal-strategy"], "cta_url": "https://www.empower.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=empower", "price_display": "Free dashboard", "best_for": "Free net-worth and fee tracking", "take": "The free dashboard is excellent. The managed service at 0.89% costs more than most flat-fee AI options here.", "focus": ["manages_money"]}, {"slug": "evergreen-ai", "name": "Evergreen.ai", "url": "https://www.evergreen.ai/", "type": "AI financial planning app", "ai_feature": "AI-based planning and personalized advice on your linked accounts", "ai_source": "https://www.evergreen.ai/", "does": {"budgeting": "yes", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "separate paid program"}, "does_source": "https://reports.adviserinfo.sec.gov/crs/crs_326535.pdf", "price_from_usd_month": 0, "tiers": [{"name": "Evergreen.ai (beta)", "price": "$0 through Jan 1, 2028 if you register during the public beta", "source": "https://www.evergreen.ai/"}, {"name": "Managed accounts (separate)", "price": "0.39%/yr wrap fee on first $1M, $100K minimum", "source": "https://reports.adviserinfo.sec.gov/crs/crs_326535.pdf"}], "free_tier": "yes", "free_trial": "Free beta", "free_source": "https://www.evergreen.ai/", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 326535, "firm_name": "EVERGREEN WEALTH ADVISORS", "sec_effective": "2023-11-08", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/326535", "api_snapshot": "data/sources/iapd/326535.json", "brand_link_source": "https://reports.adviserinfo.sec.gov/crs/crs_326535.pdf", "brand_link_note": "Firm's Form CRS describes Evergreen.ai as one of its two services."}, "affiliate": {"status": "None found", "url": null}, "verification": "verified", "gaps": ["Price after Jan 1, 2028 not published"], "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/326535", "https://reports.adviserinfo.sec.gov/crs/crs_326535.pdf", "https://www.evergreen.ai/"], "cta_url": "https://www.evergreen.ai/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=evergreen-ai", "price_display": "Free plan", "best_for": "A free AI planner for retirement and taxes", "take": "Hard to beat on price while the free beta lasts. It's planning-focused, with paid human advice as the upsell. Expect beta rough edges.", "focus": ["planning"]}, {"slug": "magnifi", "name": "Magnifi", "url": "https://magnifi.com/", "type": "AI investing assistant", "ai_feature": "Conversational portfolio analysis, scenario testing and forecasting", "ai_source": "https://magnifi.com/pricing", "does": {"budgeting": "not listed", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "not listed"}, "does_source": "https://magnifi.com/pricing", "price_from_usd_month": 0, "tiers": [{"name": "Free", "price": "$0", "source": "https://magnifi.com/pricing"}, {"name": "Premium", "price": "$99/yr", "source": "https://magnifi.com/pricing", "note": "Monthly price toggle not captured"}], "free_tier": "yes", "free_trial": "Not stated", "free_source": "https://magnifi.com/pricing", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 309397, "firm_name": "MAGNIFI", "sec_effective": "2020-07-01", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/309397", "api_snapshot": "data/sources/iapd/309397.json", "brand_link_source": "https://adviserinfo.sec.gov/firm/summary/309397", "brand_link_note": "IAPD lists other names MAGNIFI LLC, TIFIN WEALTH, TIFIN INVEST."}, "affiliate": {"status": "Reported on CJ Affiliate (third-party listing)", "url": "https://linkclicky.com/affiliate-program/magnifi/", "note": "Reported $75 monthly / $150 annual conversion; confirm in CJ."}, "verification": "verified", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/309397", "https://linkclicky.com/affiliate-program/magnifi/", "https://magnifi.com/", "https://magnifi.com/pricing"], "cta_url": "https://magnifi.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=magnifi", "price_display": "Free plan", "best_for": "Self-directed investors who want research and what-if analysis", "take": "Good value for investors who like digging into funds and scenarios. Doesn't do budgeting.", "focus": ["portfolio_analysis"]}, {"slug": "mezzi", "name": "Mezzi", "url": "https://www.mezzi.com/", "type": "AI wealth advisor", "ai_feature": "AI tax, retirement and investment advice; delegate monitoring and research to AI agents", "ai_source": "https://www.mezzi.com/pricing", "does": {"budgeting": "yes", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "not listed"}, "does_source": "https://www.mezzi.com/pricing", "price_from_usd_month": 0, "tiers": [{"name": "Free", "price": "$0 — limited AI insights, connect all assets, risk X-ray, expense/income tracking", "source": "https://www.mezzi.com/pricing"}, {"name": "Advisory", "price": "$33.25/mo billed annually", "source": "https://www.mezzi.com/pricing"}, {"name": "Concierge", "price": "$83.25/mo billed annually (adds quarterly coaching check-ins, setup help)", "source": "https://www.mezzi.com/pricing", "note": "Monthly-billing prices not shown"}], "free_tier": "yes", "free_trial": "Not stated", "free_source": "https://www.mezzi.com/pricing", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 337818, "firm_name": "MEZZI", "sec_effective": "2025-09-25", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/337818", "api_snapshot": "data/sources/iapd/337818.json", "brand_link_source": "https://adviserinfo.sec.gov/firm/summary/337818", "brand_link_note": "IAPD lists 'MEZZI' (other name STOCKTALK INC.)."}, "affiliate": {"status": "Affiliate program via Refersion: 5% base commission (Mezzi's own affiliate portal)", "url": "https://mezzi.refersion.com/"}, "verification": "verified", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/337818", "https://mezzi.refersion.com/", "https://www.mezzi.com/", "https://www.mezzi.com/pricing"], "cta_url": "https://www.mezzi.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=mezzi", "price_display": "Free plan", "best_for": "DIY investors with many accounts who want tax and retirement answers", "take": "A strong pick if you want AI tax and retirement advice without an AUM fee. The free tier is a useful portfolio X-ray, but the real advice is behind Advisory.", "focus": ["planning", "portfolio_analysis"]}, {"slug": "monarch", "name": "Monarch", "url": "https://www.monarchmoney.com/", "type": "Budgeting & net-worth app with AI assistant", "ai_feature": "AI Assistant ('ask anything'), weekly summaries", "ai_source": "https://www.monarchmoney.com/pricing", "does": {"budgeting": "yes", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "not listed"}, "does_source": "https://www.monarchmoney.com/pricing", "price_from_usd_month": 8.33, "tiers": [{"name": "Core", "price": "$99.99/yr (≈$8.33/mo); $14.99 monthly", "source": "https://www.monarchmoney.com/pricing"}, {"name": "Plus", "price": "$199.99/yr (≈$16.67/mo)", "source": "https://www.monarchmoney.com/pricing"}], "free_tier": "no", "free_trial": "7 days, payment method required", "free_source": "https://www.monarchmoney.com/pricing", "sec": {"status": "Not found in SEC IAPD", "registered": false, "crd": null, "firm_name": null, "searched": "monarch money; monarch", "iapd_url": "https://adviserinfo.sec.gov/", "note": "No IAPD firm matching Monarch Money; 'Monarch' results are unrelated advisers. Monarch is a tracking/budgeting tool."}, "affiliate": {"status": "Affiliate program on Impact. A third-party listing shows a $70 flat CPA (unconfirmed)", "url": "https://www.affiliategraph.ai/programs/monarch-money", "note": "Monarch hosts an affiliate-partner landing page: https://www.monarch.com/landing/affiliate-partners"}, "verification": "verified", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/", "https://www.affiliategraph.ai/programs/monarch-money", "https://www.monarchmoney.com/", "https://www.monarchmoney.com/pricing"], "cta_url": "https://www.monarchmoney.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=monarch", "price_display": "$8.33/mo", "best_for": "Couples and households sharing a budget", "take": "One of the best budgeting apps. It isn't an AI adviser. Think of it as excellent tracking.", "focus": ["budgeting"]}, {"slug": "nino", "name": "Nino", "url": "https://www.usenino.com/", "type": "AI financial assistant + optional CPA/planner team", "ai_feature": "AI software for everyday money and tax questions. Advisor plans add a human CPA and financial planner team", "ai_source": "https://www.usenino.com/pricing", "does": {"budgeting": "not listed", "planning": "yes", "portfolio_analysis": "not listed", "manages_money": "no"}, "does_source": "https://www.usenino.com/pricing", "price_from_usd_month": 20, "tiers": [{"name": "Software: Basic / Pro / Ultra", "price": "$20 / $100 / $200 per month", "source": "https://www.usenino.com/pricing"}, {"name": "Advisor Essential", "price": "$3,600+/yr (includes Ultra software, CPA + planner team, tax filing)", "source": "https://www.usenino.com/pricing"}, {"name": "Advisor Plus", "price": "$4,800+/yr", "source": "https://www.usenino.com/pricing"}, {"name": "Advisor Premier", "price": "$12,000+/yr", "source": "https://www.usenino.com/pricing"}], "free_tier": "no", "free_trial": "7-day software trial, no card. Advisor plans: 30-day money-back guarantee", "free_source": "https://www.usenino.com/pricing", "sec": {"status": "Not found in SEC IAPD", "registered": false, "crd": null, "firm_name": null, "searched": "nino", "iapd_url": "https://adviserinfo.sec.gov/", "note": "No IAPD firm found under 'Nino'. Nino says its fees are flat, not a percentage of assets."}, "affiliate": {"status": "None found (has a user refer-a-friend link)", "url": null}, "verification": "verified", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/", "https://www.usenino.com/", "https://www.usenino.com/pricing"], "cta_url": "https://www.usenino.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=nino", "price_display": "$20.00/mo", "best_for": "Equity-comp, landlord or multi-state tax situations", "take": "AI software plus a real CPA and planner team at a flat fee. Pricey, but it bundles tax filing, which most rivals don't.", "focus": ["planning"]}, {"slug": "origin", "name": "Origin", "url": "https://useorigin.com/", "type": "AI financial advisor + money app", "ai_feature": "\"Proactive AI Financial Advisor\"; ask Origin anything about your money", "ai_source": "https://useorigin.com/", "does": {"budgeting": "yes", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "not listed"}, "does_source": "https://useorigin.com/", "price_from_usd_month": 8.25, "tiers": [{"name": "Annual", "price": "$99/yr (≈$8.25/mo)", "source": "https://useoriginsupport.zendesk.com/hc/en-us/articles/27510286380685-What-is-the-difference-between-an-annual-and-monthly-plan"}, {"name": "Monthly", "price": "$12.99/mo", "source": "https://useoriginsupport.zendesk.com/hc/en-us/articles/27510286380685-What-is-the-difference-between-an-annual-and-monthly-plan"}, {"name": "New-member promo", "price": "$9 for first year, renews $99/yr (sign-up page); help center also describes a $1 first-year promo", "source": "https://app.useorigin.com/sign-up/dtc", "note": "Promo amount differs between sources; treat as limited-time"}], "free_tier": "no", "free_trial": "Not currently — help center says the free trial is unavailable during the first-year promo", "free_source": "https://support.useorigin.com/hc/en-us/articles/21022711456141-How-much-does-Origin-cost", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 305353, "firm_name": "ORIGIN INVESTMENT ADVISORY LLC", "sec_effective": "2021-01-25", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/305353", "api_snapshot": "data/sources/iapd/305353.json", "brand_link_source": "https://useorigin.com/legal/affiliate-partners", "brand_link_note": "Origin's site names its company 'Blend Financial Inc. DBA Origin'; IAPD lists 'BLEND FINANCIAL INC.' and 'ORIGIN FINANCIAL' as other names of CRD 305353."}, "affiliate": {"status": "Has affiliate partners (terms not public)", "url": "https://useorigin.com/legal/affiliate-partners", "note": "Contact Origin for terms; no public application page found."}, "verification": "verified", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/305353", "https://app.useorigin.com/sign-up/dtc", "https://support.useorigin.com/hc/en-us/articles/21022711456141-How-much-does-Origin-cost", "https://useorigin.com/", "https://useorigin.com/legal/affiliate-partners", "https://useoriginsupport.zendesk.com/hc/en-us/articles/27510286380685-What-is-the-difference-between-an-annual-and-monthly-plan"], "cta_url": "https://useorigin.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=origin", "price_display": "$8.25/mo", "best_for": "One app for budgets, investments and occasional human planning", "take": "The broadest all-in-one here: budgeting, investing and an AI advisor for one flat membership. Good value if you'll use three or more features. Overkill if you only want a budget.", "focus": ["budgeting", "planning"]}, {"slug": "portfoliopilot", "name": "PortfolioPilot", "url": "https://portfoliopilot.com/", "type": "AI investing & planning advisor", "ai_feature": "AI assistant (limited on Gold, unlimited on Platinum+), AI equity research", "ai_source": "https://portfoliopilot.com/pricing", "does": {"budgeting": "not listed", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "not listed"}, "does_source": "https://portfoliopilot.com/pricing", "price_from_usd_month": 0, "tiers": [{"name": "Free", "price": "$0", "source": "https://portfoliopilot.com/pricing"}, {"name": "Gold", "price": "$20/mo billed annually; $29 monthly", "source": "https://portfoliopilot.com/pricing"}, {"name": "Platinum", "price": "$49/mo billed annually; $99 monthly", "source": "https://portfoliopilot.com/pricing"}, {"name": "Pro", "price": "$99/mo billed annually; $149 monthly", "source": "https://portfoliopilot.com/pricing"}], "free_tier": "yes", "free_trial": "Not stated", "free_source": "https://portfoliopilot.com/pricing", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 327520, "firm_name": "GLOBAL PREDICTIONS INC", "sec_effective": "2023-08-14", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/327520", "api_snapshot": "data/sources/iapd/327520.json", "brand_link_source": "https://portfoliopilot.com/pricing", "brand_link_note": "PortfolioPilot's pricing page footer references Global Predictions as the company."}, "affiliate": {"status": "User referral only (2 free months of Gold)", "url": "https://portfoliopilot.com/help/faqs/how-do-i-check-my-referral-bonus-status"}, "verification": "verified", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/327520", "https://portfoliopilot.com/", "https://portfoliopilot.com/help/faqs/how-do-i-check-my-referral-bonus-status", "https://portfoliopilot.com/pricing"], "cta_url": "https://portfoliopilot.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=portfoliopilot", "price_display": "Free plan", "best_for": "Risk and allocation advice across brokerages", "take": "Serious analysis for serious portfolios, and unusually open about how it makes money. The upper tiers are priced for large, complex holdings.", "focus": ["portfolio_analysis"]}, {"slug": "public", "name": "Public (Alpha AI)", "url": "https://public.com/", "type": "Investing app with free AI research assistant", "ai_feature": "Alpha: AI investing research co-pilot (SEC filings, earnings calls, ratings, news). Public says Alpha 'does not provide financial advice'", "ai_source": "https://help.public.com/en/articles/9354354-what-is-alpha", "does": {"budgeting": "no", "planning": "not listed", "portfolio_analysis": "yes", "manages_money": "not listed"}, "does_source": "https://help.public.com/en/articles/9354354-what-is-alpha", "price_from_usd_month": 0, "tiers": [{"name": "Alpha AI", "price": "Free for all Public investors", "source": "https://help.public.com/en/articles/9354354-what-is-alpha", "note": "Help article dated May 20, 2024"}, {"name": "Premium", "price": "Unverified: search results show $10/mo or $96/yr, but our fetch of the Premium addendum didn't show a price", "source": "https://public.com/disclosures/public-premium-addendum"}], "free_tier": "yes", "free_trial": "unverified", "free_source": "https://help.public.com/en/articles/9354354-what-is-alpha", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 318234, "firm_name": "PUBLIC ADVISORS LLC", "sec_effective": "2022-03-24", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/318234", "api_snapshot": "data/sources/iapd/318234.json", "brand_link_source": "https://public.com/", "brand_link_note": "Public's advisory arm per IAPD. Alpha itself is a research tool, not advice."}, "affiliate": {"status": "Affiliate program on Impact (third-party report, ~$10 per qualified account; unverified)", "url": "https://www.afflemi.com/affiliate-programs/p/public"}, "gaps": ["Premium price", "Free trial", "Which Public products Public Advisors LLC covers"], "verification": "partial", "price_label": "Free (Alpha)", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/318234", "https://help.public.com/en/articles/9354354-what-is-alpha", "https://public.com/", "https://public.com/disclosures/public-premium-addendum", "https://www.afflemi.com/affiliate-programs/p/public"], "cta_url": "https://public.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=public", "price_display": "Free (Alpha)", "best_for": "Stock pickers who want free AI research", "take": "Alpha is a useful free research co-pilot inside a brokerage. Public says it isn't advice, and we couldn't verify Premium pricing.", "focus": ["portfolio_analysis"]}, {"slug": "range", "name": "Range", "url": "https://www.range.com/", "type": "Flat-fee advisor with proprietary AI ('Rai')", "ai_feature": "Range's proprietary AI (Rai) plus a team of CFPs/CFAs", "ai_source": "https://www.range.com/pricing", "does": {"budgeting": "yes", "planning": "yes", "portfolio_analysis": "yes", "manages_money": "yes"}, "does_source": "https://www.range.com/pricing", "price_from_usd_month": 329.17, "tiers": [{"name": "Premium", "price": "$3,950/yr", "source": "https://www.range.com/pricing"}, {"name": "Platinum", "price": "$5,950/yr", "source": "https://www.range.com/pricing"}, {"name": "Titanium", "price": "$12,500/yr", "source": "https://www.range.com/pricing"}], "free_tier": "no", "free_trial": "Not stated", "free_source": "https://www.range.com/pricing", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 321969, "firm_name": "RANGE ADVISORY, LLC", "sec_effective": "2022-06-23", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/321969", "api_snapshot": "data/sources/iapd/321969.json", "brand_link_source": "https://adviserinfo.sec.gov/firm/summary/321969", "brand_link_note": "IAPD lists other names RANGE FINANCE, INC. and PYLON INC."}, "affiliate": {"status": "None found", "url": null}, "verification": "verified", "price_label": "$3,950/yr", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/321969", "https://www.range.com/", "https://www.range.com/pricing"], "cta_url": "https://www.range.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=range", "price_display": "$3,950/yr", "best_for": "High earners who'd otherwise pay a 1% advisor", "take": "A real advisory firm with AI on top and flat fees instead of a percentage of assets. Expensive in dollars, but it can be cheap next to 1% AUM on a big portfolio.", "focus": ["planning", "manages_money"]}, {"slug": "rocket-money", "name": "Rocket Money", "url": "https://www.rocketmoney.com/", "type": "Budgeting & subscription app with AI assistant", "ai_feature": "Rowan, an AI financial assistant by text (Premium+)", "ai_source": "https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost", "does": {"budgeting": "yes", "planning": "yes", "portfolio_analysis": "not listed", "manages_money": "not listed"}, "does_source": "https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost", "price_from_usd_month": 0, "tiers": [{"name": "Free", "price": "$0", "source": "https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost"}, {"name": "Premium", "price": "Choose your price, typically $7–$14/mo", "source": "https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost"}, {"name": "Premium+", "price": "$15/mo + tax (includes Rowan AI, bill negotiation)", "source": "https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost"}], "free_tier": "yes", "free_trial": "7-day Premium trial", "free_source": "https://help.rocketmoney.com/en/articles/2667173-why-is-rocket-money-charging-me", "sec": {"status": "Not found in SEC IAPD", "registered": false, "crd": null, "firm_name": null, "searched": "rocket money", "iapd_url": "https://adviserinfo.sec.gov/", "note": "No IAPD firm found. Rocket Money is a budgeting/subscription tool."}, "affiliate": {"status": "Affiliate program on Impact — $4–$10 commission (first-party page)", "url": "https://www.rocketmoney.com/affiliates"}, "verification": "verified", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/", "https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost", "https://help.rocketmoney.com/en/articles/2667173-why-is-rocket-money-charging-me", "https://www.rocketmoney.com/", "https://www.rocketmoney.com/affiliates", "https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost"], "cta_url": "https://www.rocketmoney.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=rocket-money", "price_display": "Free plan", "best_for": "Cutting subscriptions and bills", "take": "Best at finding forgotten subscriptions, and the free tier is genuinely useful. Bill-negotiation fees are steep unless you're on Premium+.", "focus": ["budgeting"]}, {"slug": "wealthfront", "name": "Wealthfront", "url": "https://www.wealthfront.com/", "type": "Robo-advisor (automated investing)", "ai_feature": "Automated, software-managed portfolios and tax-loss harvesting (no AI-specific feature verified)", "ai_source": "https://www.wealthfront.com/pricing", "does": {"budgeting": "not listed", "planning": "not listed", "portfolio_analysis": "yes", "manages_money": "yes"}, "does_source": "https://www.wealthfront.com/pricing", "price_from_usd_month": 0, "tiers": [{"name": "Automated portfolio", "price": "0.25%/yr advisory fee", "source": "https://www.wealthfront.com/pricing"}, {"name": "Brokerage account", "price": "No fees, $1 to start", "source": "https://www.wealthfront.com/pricing"}], "free_tier": "yes", "free_trial": "Self-directed brokerage account has no advisory fee", "free_source": "https://www.wealthfront.com/pricing", "sec": {"status": "SEC-registered investment adviser", "registered": true, "crd": 148456, "firm_name": "WEALTHFRONT ADVISERS LLC", "sec_effective": "2008-11-21", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/148456", "api_snapshot": "data/sources/iapd/148456.json", "brand_link_source": "https://www.wealthfront.com/affiliates", "brand_link_note": "Wealthfront's site names Wealthfront Advisers, LLC as the adviser."}, "affiliate": {"status": "Affiliate program on Impact. Third-party listing: $55 per investing conversion / $35 per cash-only conversion (unconfirmed)", "url": "https://linkclicky.com/affiliate-program/wealthfront/"}, "verification": "verified", "price_label": "0.25%/yr", "aff_link": null, "last_verified": "2026-10-26", "sources": ["https://adviserinfo.sec.gov/firm/summary/148456", "https://linkclicky.com/affiliate-program/wealthfront/", "https://www.wealthfront.com/", "https://www.wealthfront.com/affiliates", "https://www.wealthfront.com/pricing"], "cta_url": "https://www.wealthfront.com/?utm_source=aimoneyapptracker&utm_medium=referral&utm_campaign=wealthfront", "price_display": "0.25%/yr", "best_for": "Hands-off automated investing", "take": "Still one of the simplest ways to hand off investing. It's algorithmic automation more than chat AI, with a low 0.25% fee.", "focus": ["manages_money"]}]}