Home / Best AI financial advisor apps (2026)

Best AI financial advisor apps (2026)

AI advisers range from free chatbots to flat-fee firms with human CFPs. Here's how they stack up, grouped by what you actually need.

Verified 2026-10-26. Picks are editorial opinion, and facts link to their sources on each app's page. Picks are not based on payouts.

We may earn a commission if you sign up through our links. It never changes our data or picks. Disclosure

Best AI advisers that are SEC-registered

These apps' advice is backed by an SEC-registered investment adviser (CRD on each card).

  1. Mezzi Free plan

    SEC-registered · CRD 337818

    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.

    Try Mezzi

  2. PortfolioPilot Free plan

    SEC-registered · CRD 327520

    Serious analysis for serious portfolios, and unusually open about how it makes money. The upper tiers are priced for large, complex holdings.

    Try PortfolioPilot

  3. Astor Free plan

    SEC-registered · CRD 338424

    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.

    Try Astor

  4. Magnifi Free plan

    SEC-registered · CRD 309397

    Good value for investors who like digging into funds and scenarios. Doesn't do budgeting.

    Try Magnifi

  5. Origin $8.25/mo

    SEC-registered · CRD 305353

    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.

    Try Origin

Best free AI financial planning

Each has a free plan (see each app's page for limits).

  1. Evergreen.ai Free plan

    SEC-registered · CRD 326535

    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.

    Try Evergreen.ai

  2. CFO Silvia Free plan

    Not an SEC adviser*

    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.

    Try CFO Silvia

  3. Mezzi Free plan

    SEC-registered · CRD 337818

    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.

    Try Mezzi

  4. PortfolioPilot Free plan

    SEC-registered · CRD 327520

    Serious analysis for serious portfolios, and unusually open about how it makes money. The upper tiers are priced for large, complex holdings.

    Try PortfolioPilot

Best AI + human advisor (flat fee)

Flat annual fees instead of a percentage of assets.

  1. Range $3,950/yr

    SEC-registered · CRD 321969

    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.

    Try Range

  2. Nino $20.00/mo

    Not an SEC adviser*

    AI software plus a real CPA and planner team at a flat fee. Pricey, but it bundles tax filing, which most rivals don't.

    Try Nino

Best robo-advisors (invest for you)

Automated portfolio management, priced as a % of assets.

  1. Wealthfront 0.25%/yr

    SEC-registered · CRD 148456

    Still one of the simplest ways to hand off investing. It's algorithmic automation more than chat AI, with a low 0.25% fee.

    Try Wealthfront

  2. Betterment $5/mo or 0.25%/yr

    SEC-registered · CRD 149117

    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.

    Try Betterment

  3. Empower Free dashboard

    SEC-registered · CRD 112058

    The free dashboard is excellent. The managed service at 0.89% costs more than most flat-fee AI options here.

    Try Empower

Best AI budgeting apps

Budgeting and tracking, not investment advice.

  1. Monarch $8.33/mo

    Not an SEC adviser*

    One of the best budgeting apps. It isn't an AI adviser. Think of it as excellent tracking.

    Try Monarch

  2. Copilot Money $7.92/mo

    Not an SEC adviser*

    The best-looking budget app for Apple users. Budgeting only: its own FAQ says it's not a financial advisor.

    Try Copilot Money

  3. Rocket Money Free plan

    Not an SEC adviser*

    Best at finding forgotten subscriptions, and the free tier is genuinely useful. Bill-negotiation fees are steep unless you're on Premium+.

    Try Rocket Money

  4. Cleo $5.99/mo

    Not an SEC adviser*

    Motivating and fun for budgeting and credit. It's a coach, not an investment adviser. Be careful with the cash-advance features.

    Try Cleo
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