Home / Free AI financial advisor & money apps

Free AI financial advisor & money apps

10 of the 18 apps we track have a free plan. Here's what each one gives you for $0.

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

Apps with a free plan

Free tier confirmed on each company's own page.

  1. 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

  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. 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

  4. 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

  5. Magnifi Free plan

    SEC-registered · CRD 309397

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

    Try Magnifi

  6. 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

  7. 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

  8. Public (Alpha AI) Free (Alpha)

    SEC-registered · CRD 318234

    Alpha is a useful free research co-pilot inside a brokerage. Public says it isn't advice, and we couldn't verify Premium pricing.

    Try Public (Alpha AI)

  9. 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

  10. 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
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