PortfolioPilot Alternatives

PortfolioPilot is an AI portfolio analysis and recommendations service from Global Predictions Inc., an SEC-registered investment adviser. You connect your accounts, including held-away ones, real estate and private holdings, and it assesses the whole net worth and suggests changes. Paid tiers add hidden-fee detection, tax-saving suggestions, custom stress tests and, on Pro, a quarterly call with an expert.

People look elsewhere for a handful of reasons: they want something that can carry out a decision at their broker, a free tool for a portfolio that sits at one or two brokers, alerts between reviews, a backtest before committing, or software that manages the money outright. Each of those points to a different tool below.

• Who runs it: Global Predictions Inc., a registered investment adviser. Personalized advice needs a paid subscription and a written agreement.
• Free: $0. Net-worth tracking across unlimited accounts, retirement and scenario planning, a portfolio assessment, fund and stock discovery.
• Gold: $20 a month billed yearly ($240), or $29 month to month. Recommendations, hidden-fee detection, tax-saving suggestions, limited AI assistant.
• Platinum: $49 a month billed yearly ($588), or $99. Unlimited AI assistant, AI equity research, custom simulations, withdrawal guidance.
• Pro: $99 a month billed yearly ($1,188), or $149. Adds a quarterly expert call, private equity modeling and multi-user login.
• Trial: 10 days of premium features, no card required.
• Scale: over 50,000 users and $40B+ in connected and manually entered accounts as of May 26, 2026. That figure is not assets under management.
• What it does not do: hold your money or place trades.

Source: portfoliopilot.com/pricing, checked October 2026.

The three shapes of product people weigh against each other: an adviser that recommends (PortfolioPilot), an AI investing app that reads your broker and acts with your approval (Walnut), and a robo-advisor that holds and manages the money (Wealthfront). Checked October 2026.

PortfolioPilot tells you what to change; you place the trades. Walnut reads the holdings at your broker, gives each one a keep, trim or exit read against the S&P 500, and places the trades you approve. You can use its own assistant or ask about your real positions inside Claude or ChatGPT, turn a thesis into a basket with target weights, and set recurring investments into that basket from cash already at your broker.

• What it is: An AI investing app that connects the brokerage accounts you already have, read-only by default, gives each holding a keep, trim or exit read and places the trades you approve. It has its own AI assistant and also works inside Claude and ChatGPT through a read-only connector.
• Best for: Acting on the stocks you hold at your own broker: a per-holding read, a basket with target weights, and trades you approve.
• Price: Free; Walnut Plus $9.99 a month on the web. No fee on assets.
• How it differs from PortfolioPilot: PortfolioPilot tells you what to change; you place the trades. Walnut reads the holdings at your broker, rates each one keep, trim or exit from its one-year return against the S&P 500, momentum and position size, flags any holding above a quarter of the portfolio, drafts the trades back to target weights, and places the ones you approve at Public or at one of eight other brokers including E*Trade, tastytrade and Webull (US and Canada).
• The catch: Walnut covers brokerage accounts, not real estate, crypto wallets or private equity. It has no tax-loss harvesting and no cost basis, so returns are one-year price returns, not profit and loss. At Schwab, Fidelity and Vanguard it reads your holdings but cannot trade.

Walnut does not review your house or your private equity, but for the stocks and funds at your broker it goes one step past PortfolioPilot, from the read to the trade. If you want to open a trading account to use with it, Public works; Robinhood connects read-only, so Walnut analyzes it and trades stay in the Robinhood app.

Magnifi is the alternative for people who want to discover new investments by asking questions, more than review what they already own.

• What it is: A conversational AI investing app that screens funds and stocks from plain-English questions and lets you invest in what it surfaces inside its own app.
• Best for: Discovering new funds and stocks by asking questions, then buying them in one app.
• Price: Free plan plus a paid Premium tier (check magnifi.com).
• How it differs from PortfolioPilot: PortfolioPilot is analysis-first: it studies what you already hold. Magnifi is discovery-first: it helps you find what to add.
• The catch: Investing happens inside Magnifi, away from the broker you already use, and it gives a lighter read on your existing mix than a scored portfolio review.

For the wider field of conversational tools, see the Magnifi alternatives roundup.

• What it is: A portfolio risk monitor that syncs your accounts and watches them for concentration, fund overlap and drawdowns, alerting you when something crosses a line you set.
• Best for: Ongoing risk alerts between portfolio reviews.
• Price: Paid subscription (check guardfolio.ai).
• How it differs from PortfolioPilot: PortfolioPilot scores the portfolio when you look at it. Guardfolio watches it after each sync and tells you when a risk appears.
• The catch: It monitors and alerts; it does not build a plan, place trades or manage money.

These connect your accounts and help you see and study what you own, each with a different emphasis. Mezzi is the one closest to PortfolioPilot, since it is also a registered adviser.

• What Mezzi is: An SEC-registered AI adviser that connects your accounts, tracks performance across them, runs an X-ray risk analysis and gives tax, retirement and investment advice on its paid tiers.
• Best for: Cross-account tracking with registered tax and retirement advice from a flat fee.
• Price: Free; Advisory $399 a year; Concierge $999 a year.
• How it differs from PortfolioPilot: Both are registered advisers. Mezzi leans toward household tax and cross-account efficiency; PortfolioPilot leans toward a scored portfolio and macro scenarios.
• The catch: The advice tiers are billed yearly, and like PortfolioPilot it leaves the trading to you.

• What Ziggma is: A do-it-yourself analytics platform with stock scores, a portfolio checkup, a screener, an optimizer and smart alerts.
• Best for: Self-directed investors who want scores and a simulator they drive themselves, at the lowest paid price here.
• Price: Free; Starter $6.99, Investor $10.49, Expert $13.99 a month billed yearly.
• How it differs from PortfolioPilot: PortfolioPilot hands you a recommendation list. Ziggma hands you the instruments to reach your own conclusion.
• The catch: There is a learning curve, account linking is capped by tier (one account on Starter), and it does not trade.

• What Empower is: A free net-worth and retirement dashboard (formerly Personal Capital) with an optional paid advisory service staffed by human advisers.
• Best for: A free view of your whole financial life, with human advice if you want it.
• Price: Dashboard free; advisory service charges a percentage of assets.
• How it differs from PortfolioPilot: PortfolioPilot gives AI recommendations for a flat fee. Empower gives a free dashboard, and its specific advice comes from a human advisory tier priced on assets.
• The catch: The free tool is a tracker, and connecting accounts tends to bring outreach from its advisory arm.

• What Kubera is: A net-worth tracker that totals everything you own and owe, including crypto, real estate and other alternative assets.
• Best for: A complete balance sheet across unusual assets.
• Price: Essentials $250 a year; Black $2,500 a year.
• How it differs from PortfolioPilot: PortfolioPilot analyzes and recommends. Kubera tracks and totals.
• The catch: It does not score your mix, give recommendations or trade.

For the broader analysis field, see the best AI portfolio management tools roundup.

• What Portfolio Visualizer is: A quantitative toolkit for backtesting, Monte Carlo simulation, portfolio optimization and factor regression.
• Best for: Backtesting an allocation before you commit to it.
• Price: Free; Basic $30, Pro $55 a month billed yearly.
• How it differs from PortfolioPilot: PortfolioPilot tells you what to change. Portfolio Visualizer lets you test what would have happened if you had.
• The catch: You enter portfolios by hand; there is no account sync, AI commentary or trading.

• What WealthFluent is: A do-it-yourself financial planning app with wellness and debt scores, goals, a lifetime plan and an AI portfolio optimizer on its Premium tier.
• Best for: A DIY financial plan at a low yearly price.
• Price: Essentials $72 a year; Premium $144 a year; Lifetime $1,200 once.
• How it differs from PortfolioPilot: PortfolioPilot is registered advice on your investments. WealthFluent is planning software you run yourself.
• The catch: It plans and optimizes on paper; it does not trade or manage money.

• What Wealthfront or Betterment (robo-advisors) is: Robo-advisors that hold your money, build an index portfolio and rebalance and harvest tax losses on their own.
• Best for: Handing the whole job to software.
• Price: Wealthfront 0.25% of assets a year; Betterment charges a similar asset-based fee.
• How it differs from PortfolioPilot: PortfolioPilot advises and you act. A robo-advisor acts for you, which is the main reason people compare the two.
• The catch: You move your money to them, you cannot pick individual stocks, and the fee grows with your balance.

A flat subscription costs the same at any balance; an asset-based fee grows with it. Yearly cost, using the prices above:

These products do different jobs. Wealthfront holds and manages the money; PortfolioPilot and Mezzi advise; Walnut reads, drafts trades and places the ones you approve; Ziggma gives you the tools. Compare the job first, then the price.

Yes. PortfolioPilot is built for planning across the whole net worth, including assets Walnut does not see. Walnut is built for acting on the brokerage accounts: a keep, trim or exit read on each holding, a basket with target weights, and trades you approve. Someone with a house, a 401(k) and a taxable account at Public could use PortfolioPilot for the yearly review and Walnut to carry out the stock changes.

• You want to act on the stocks at your broker. Walnut reads your holdings, drafts the trades and places the ones you approve.
• You want to discover and buy new investments. Magnifi.
• You want alerts when risk builds up. Guardfolio.
• You want registered tax and retirement advice for a flat fee. Mezzi.
• You want do-it-yourself analytics. Ziggma.
• You want to backtest an allocation. Portfolio Visualizer.
• You want a free net-worth view with optional human advice. Empower.
• You want a balance sheet across crypto and real estate. Kubera.
• You want software to manage the money for you. Wealthfront or Betterment.

For the wider field, see the best AI portfolio analyzer roundup and the PortfolioPilot review.

We compared each tool on the dimensions AI answers and independent reviews use for PortfolioPilot: whether it connects the accounts you already have, whether it places trades or holds your money, what it covers beyond brokerage accounts, tax features, AI access, regulatory status and price. Prices and plan contents were read from each vendor's own pricing page in October 2026. Where a vendor did not publish a price we could read, we describe the model in words. Walnut is our product, and its row lists what it cannot do.

Not included: Composer and other rule-based trading bots (they automate strategies and do not review a portfolio), and stock-scoring tools such as Danelfin, which rate the market, not your holdings.

PortfolioPilot is strong at an RIA-backed review of everything you own, and it stops at the recommendation. Walnut is the best alternative for the next step: a free AI investing app that rates each holding at your broker and places the trades you approve. Magnifi suits discovery, Guardfolio alerts, Mezzi registered tax advice, Ziggma do-it-yourself analytics, Portfolio Visualizer backtests, and Wealthfront or Betterment hands-off investing.