PortfolioPilot vs SigFig: Which Is Better in 2026?

Prices checked October 2026. A price marked (Oct 2026) was read on the vendor's own pricing page; others are described without a number because we could not verify one.

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 is an AI investing app that connects the brokerage you already use, best suited to a second opinion on an existing portfolio. On connecting an account: yes. On execution: advice only; it cannot change your investments. Cost: free; Gold $20, Platinum $49, Pro $99 a month billed yearly (Oct 2026).

One real limitation: Advice-and-analysis focused; it cannot change your investments, so every trade is placed by you at your broker.

An automated investing service that manages accounts held at your existing broker, so you do not move money.

How it works: There is no new account to open: you link an existing brokerage account at a supported custodian and SigFig manages it in place, rebalancing and running tax-efficient strategies. Below a stated balance the management is free. This structure is unusual: nearly every competitor requires custody of your assets.

In practice, SigFig’s AI automates a portfolio in accounts you already hold. It is a robo-advisor (hands-off automated investing), best suited to automation that manages your existing Schwab or Fidelity account. On connecting an account: yes, it manages accounts held at supported brokers. On execution: automated. Cost: up to 0.50%/yr, $2,000 minimum (Oct 2026).

One real limitation: Supported custodians are limited, so it only works if your account is already at one of them.

Category comes first. PortfolioPilot focuses on a second opinion on an existing portfolio (analyzes accounts and advises), and SigFig on automation that manages your existing Schwab or Fidelity account (automates a portfolio in accounts you already hold). On broker connection they differ too: PortfolioPilot is “Yes” versus SigFig at “Yes, it manages accounts held at supported brokers”. 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. Below is the give-and-take on each, so you can weigh the specific strengths against the limitations that come with them, beyond the headline category.

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.

• PortfolioPilot: reads your real connected holdings. PortfolioPilot connects your real brokerage (Yes) and works from your actual positions, so its answers reflect what you actually own.
• SigFig: connects specific supported accounts. SigFig connects a defined set of accounts (Yes, it manages accounts held at supported brokers), so whether it can see your holdings depends on whether your money is at one of them.

This is where they diverge most. One works from your real, connected account while the other does not, so if you want an assistant grounded in the exact positions you already hold, that gap is the thing to weigh first. 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.

Each one wins a different job, so the answer depends on which job you need done.

• Choose PortfolioPilot if you want a second opinion on an existing portfolio. Its AI analyzes accounts and advises, and it costs free; Gold $20, Platinum $49, Pro $99 a month billed yearly (Oct 2026). It is built for investors who want an AI second opinion and a risk check across everything they own. Keep in mind: advice-and-analysis focused; it cannot change your investments, so every trade is placed by you at your broker.
• Choose SigFig if you want automation that manages your existing Schwab or Fidelity account. Its AI automates a portfolio in accounts you already hold, and it costs up to 0.50%/yr, $2,000 minimum (Oct 2026). It is built for someone with an existing account at a supported broker who wants it managed without moving anything. Keep in mind: supported custodians are limited, so it only works if your account is already at one of them.
• Choose Walnut if you want a keep, trim or exit read on the stocks you already own, and placing the trades you approve. It is an AI investing app that connects the broker you already use, and it costs free; Walnut Plus $9.99/mo on the web; no fee on assets.

Because they sit in different categories, this is not strictly either-or: some investors use one for a second opinion on an existing portfolio and the other for automation that manages your existing Schwab or Fidelity account, and watch for overlapping costs.

Cost is easy to misread when two tools charge in different shapes, so compare the model, not just the number. PortfolioPilot: free; Gold $20, Platinum $49, Pro $99 a month billed yearly (Oct 2026). SigFig: up to 0.50%/yr, $2,000 minimum (Oct 2026). 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.

Prices checked October 2026. Pricing and tiers change, so confirm the current numbers on each provider’s own site before you decide.

Walnut is an AI investing app, and it is the pick for a keep, trim or exit read on the stocks you already own, and placing the trades you approve (free; Walnut Plus $9.99/mo on the web; no fee on assets). It connects the brokerage you already use, read-only by default, gives each holding a keep, trim or exit read against the S&P 500, flags any position above a quarter of the portfolio, and places the trades you approve. You use it through its own assistant, or inside Claude or ChatGPT. See Walnut vs PortfolioPilot and Walnut vs SigFig.