Mezzi vs PortfolioPilot: Which Is Better in 2026?

Figures and features are point-in-time and change; treat the table as a starting map, not a live quote.

Aggregates your accounts and layers AI insights with a tax-aware lens. Best for a consolidated view across holdings.

How it works: Mezzi aggregates your investment accounts into one view and layers AI insights over them with a tax-aware lens, flagging things like potential wash sales, fee drag, and unrealized-gain considerations across accounts. It is read-only: it tells you what it sees and what to consider, and you act at your broker.

In practice, Mezzi’s AI aggregates accounts + tax-aware insights. It falls under chat-driven management of your own brokerage, which makes it best suited to aggregated wealth tracking with ai. On connecting an account it is “Yes”, and on execution it is “Read”. It is priced as subscription.

One honest limitation: Tracking-and-insight focused rather than thesis-driven basket building.

Connects your accounts and gives AI-generated portfolio recommendations and risk analysis. Best for a second opinion on an existing portfolio.

How it works: You link your investment accounts and PortfolioPilot analyzes the whole picture, scoring risk, fees, and diversification and generating specific, ranked recommendations, including held-away accounts and alternative assets. You review the advice and a projected impact, then place any trades yourself at your own broker. Higher tiers add more back-and-forth AI interaction.

In practice, PortfolioPilot’s AI analyzes accounts and advises. It falls under chat-driven management of your own brokerage, which makes it best suited to a second opinion on an existing portfolio. On connecting an account it is “Yes”, and on execution it is “Read / advice”. It is priced as free + premium.

One honest limitation: Advice-and-analysis focused; execution still happens at your broker separately.

The core difference is category. Mezzi focuses on aggregated wealth tracking with ai (aggregates accounts + tax-aware insights), and PortfolioPilot on a second opinion on an existing portfolio (analyzes accounts and advises). On broker connection they differ too: Mezzi is “Yes” versus PortfolioPilot at “Yes”. That shapes everything downstream: how personal the answers are, where trades settle, and how much control you keep over individual positions.

Every tool gives something up for what it does well. Here is the honest give-and-take on each, so you can weigh the specific strengths against the limitations that come with them rather than judging on the headline category alone.

For AI investing tools, the distinction that matters most is whether the tool works from your actual, connected positions or reasons from something else: a separate account it manages for you, or the tickers and numbers you feed it. It decides how personal the answers can be, and where your money physically lives.

• Mezzi: reads your real connected holdings. Mezzi connects your real brokerage (Yes) and works from your actual positions, so its answers reflect what you genuinely own rather than a generic model.
• PortfolioPilot: reads your real connected holdings. PortfolioPilot connects your real brokerage (Yes) and works from your actual positions, so its answers reflect what you genuinely own rather than a generic model.

On this specific question the two land on the same side, so the deciding factors between them are elsewhere: category, cost, and who each is built for. This holdings-aware angle is the one Walnut is built around: it connects the brokerage you already use and reasons from your live positions, read-only by default, with any trades left for you to approve.

There is no universal winner here; the right pick depends on the job you are hiring the tool for. Match the category to your intent rather than chasing a single “best.”

• Choose Mezzi if you want aggregated wealth tracking with ai. Its AI aggregates accounts + tax-aware insights, it is priced as subscription, and it fits chat-driven management of your own brokerage. It is built for multi-account investors who want tax-aware tracking and insights consolidated in one place. Keep in mind that tracking-and-insight focused rather than thesis-driven basket building.
• Choose PortfolioPilot if you want a second opinion on an existing portfolio. Its AI analyzes accounts and advises, it is priced as free + premium, and it fits chat-driven management of your own brokerage. It is built for investors who want an AI second opinion and a risk check across everything they own. Keep in mind that advice-and-analysis focused; execution still happens at your broker separately.

Because both sit in the same category, the choice comes down to the finer details above rather than a fundamental difference in approach.

Cost is easy to misread when two tools charge in different shapes, so compare the model, not just the number. Mezzi is priced as subscription, while PortfolioPilot is priced as free + premium. A percentage-of-assets fee scales with your balance, a flat subscription does not, and a “free” tier usually earns elsewhere (on cash, order flow, or premium upgrades), so the cheapest headline is not always the cheapest outcome for your situation.

Pricing and tiers change often. Confirm the current numbers on each provider’s own site before you decide; the framing above is point-in-time.

If neither quite fits, Walnut sits in a third category: chat-driven management of your own brokerage. It connects the brokerage you already use through SnapTrade, lets you analyze and manage it by talking through Claude or ChatGPT, build thematic portfolios around a thesis, and place trades you approve. Read-only by default. See Walnut vs Mezzi and Walnut vs PortfolioPilot. Walnut is not an investment adviser.