How Much Does SigFig Cost? Pricing and Fees (2026)
Last updated August 2026
Short answer
SigFig on cost: free under a stated balance, then a percentage (verify current). Because that is not a percentage of assets, the cost does not rise as your balance does, which cuts both ways: proportionally cheap on a large account, relatively expensive on a small one. On top of that you pay the expense ratios of whatever funds are held, which every provider passes through. It works with a brokerage account you already hold, so there is nothing to transfer. Verify current pricing on SigFig's own site.
What SigFig charges
The headline figure: Free under a stated balance, then a percentage (verify current), for automation that manages your existing Schwab or Fidelity account. Rather than opening a new account, 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.
What you still pay on top
- Fund expense ratios. Whatever ETFs or funds sit inside the portfolio charge their own fee, deducted inside the fund rather than billed to you. A broad index fund is often 0.03% to 0.10%; a specialist fund charges more.
- Trading costs. Commissions where they apply, plus the bid-ask spread on everything bought and sold, which is real even where the commission is zero.
- Tax. Any selling inside a taxable account can create a capital gain. See our guide to capital gains tax on investments. This is not tax advice.
SigFig pricing against the alternatives
| Product | Cost | Holds your money? | What the fee buys |
|---|---|---|---|
| SigFig | Free under a stated balance, then a percentage (verify current) | Yes, it manages accounts held at supported brokers | Automation that manages your existing Schwab or Fidelity account |
| Betterment | ~0.25%/yr | No (holds your money) | Set-and-forget automated investing |
| Wealthfront | ~0.25%/yr | No (holds your money) | Hands-off investing with planning built in |
| SoFi | Free automated investing | No (holds your money) | Beginners in one money app |
| Schwab Intelligent Portfolios | No advisory fee; ETF expenses apply (verify current) | No (holds your money at Schwab) | Hands-off investing with no advisory fee, if you accept the cash allocation |
Comparing on headline price alone misses the more consequential variable, which is whether your assets have to move. A product that manages money it holds is doing a different job from one that reads an account you already have, and the fee difference reflects the work rather than a discount.
Where Walnut fits on price
Since this is our site, plainly: Walnut is free. There is no paid plan, no subscription and no fee on assets, because it connects the brokerage you already have rather than taking custody of your money, so there are no assets under management to charge on. You still pay your broker's commissions and your funds' expense ratios, which you would pay anyway. The full breakdown is on the Walnut pricing page.
That is not automatically the better deal. SigFig charges Free under a stated balance, then a percentage (verify current) because it does something Walnut deliberately does not: automation that manages your existing Schwab or Fidelity account, which is a different job from answering questions about holdings you already own. Free is only cheaper if the free thing does what you actually need.
FAQ
How much does SigFig cost?
Free under a stated balance, then a percentage (verify current). It is not charged as a percentage of your assets, so the cost stays the same as your balance grows. That makes it proportionally cheaper on a large account and relatively expensive on a small one.
Is there a minimum to open a SigFig account?
Minimums change and are set by the provider, so the only reliable source is SigFig's own site. What is worth knowing generally: robo-advisors that hold your money often set an account minimum, while tools that connect to a brokerage you already have usually do not, because there is nothing to fund.
What else do you pay on top of the SigFig fee?
Usually the expense ratios of the funds held inside the portfolio, which are deducted within each fund rather than billed to you, plus any trading costs your broker charges. Those exist regardless of which provider you use. In a taxable account, selling to move money between providers can also create a tax bill, which is a real cost people forget to count.
Does SigFig's pricing scale with my balance?
No. A flat subscription costs the same whether you hold $5,000 or $5,000,000, which is the opposite of a percentage-of-assets model. On a large account that is a considerable advantage; on a small one it is a considerable drag.
Does SigFig charge to connect my existing brokerage?
Yes, it manages accounts held at supported brokers. Where a product holds your money instead of connecting to your broker, the question does not arise: you fund an account with them and the management fee covers it. Where it does connect, the connection itself is normally included rather than billed separately.
Is SigFig worth the money?
That depends on whether you would otherwise do the work yourself. Paying a percentage of assets buys automation and the discipline of not interfering, which has real value for people who would otherwise tinker. Paying nothing and doing it yourself only wins if you actually do it. Neither answer is right for everyone, and the honest test is what you would do in a month where the market falls.
Is SigFig cheaper than the alternatives?
Within hands-off automated investing (robo-advisors), SigFig charges Free under a stated balance, then a percentage (verify current) against Betterment at ~0.25%/yr, Wealthfront at ~0.25%/yr, SoFi at Free automated investing. Price is only half the comparison though: whether your money has to move, and what you get for the fee, decide more than the headline rate.
Where can I confirm SigFig's current pricing?
On SigFig's own site. Fees, tiers and minimums change, and this page is maintained by a competitor rather than by SigFig, so treat every figure here as a point-in-time guide to be verified rather than a quote.
Walnut publishes this page and competes with SigFig, so read it as an informed assessment rather than an independent one. It is built from publicly available information about the product, not from collected user reviews, and it carries no star rating because we have not surveyed SigFig's customers. Pricing, features and availability change; verify current details on SigFig's own site before deciding. Walnut is informational and is not an investment adviser. Nothing here is a recommendation to buy, sell, or hold any security or to use any particular product.