SigFig Review (2026): Robo-Advisor Fees and Who It Suits

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 category terms it is a robo-advisor (hands-off automated investing), and the AI component specifically automates a portfolio in accounts you already hold. That phrase is worth reading literally: across this market, "AI" covers everything from a rebalancing rule to a conversational assistant, and the products are not interchangeable just because they share the label.

• Manages the account you already have, where it already sits
• Free below a stated balance
• Avoids the tax consequences of liquidating to move to a new provider

These are real advantages, and if they describe what you want, SigFig is a reasonable choice regardless of what any competitor including us has to say about it.

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

• Only works with a short list of supported custodians
• Smaller and less prominent than the large robo-advisors, so check the current state of the service

SigFig's Form CRS gives a $2,000 minimum and a management fee generally no higher than 0.50% a year, set with the partner that offers it. Its older support page describes 0.25% on assets above $10,000, so confirm the current rate where you sign up. From SigFig's Form CRS on the SEC's adviser database, October 2026.

Fees change. The figure above is a point-in-time guide, and the SigFig pricing breakdown goes into what else you pay on top. Confirm current pricing on SigFig's own site.

• Best for automation that manages your existing Schwab or Fidelity account: SigFig (Up to 0.50%/yr, $2,000 minimum (Oct 2026))
• Best for a keep, trim or exit read on the stocks you already own, and placing the trades you approve: Walnut (Free; Walnut Plus $9.99/mo on the web; no fee on assets)
• Best for set-and-forget automated investing: Betterment ($5/mo, or 0.25%/yr from $24,000 or $200/mo deposits (Oct 2026))
• Best for hands-off investing with planning built in: Wealthfront (0.25%/yr, $500 minimum (Oct 2026))
• Best for a second opinion on an existing portfolio: PortfolioPilot (Free; Gold $20, Platinum $49, Pro $99 a month billed yearly (Oct 2026))
• Best for research and discovery in plain English: Magnifi (Free plan; Premium is a paid subscription (as of October 2026))
• Best for quantitative stock signals: Danelfin (Subscription)

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

The two columns that change your experience most are whether your money has to move and whether the tool can act on what it finds. Cost matters next, and only in dollars.

SigFig and Walnut can both work alongside an account you already hold. Walnut is an AI investing app: it connects the brokerage you already use, read-only by default, gives each stock you hold a keep, trim or exit read against the S&P 500, and places the trades you approve. SigFig takes a different approach to acting on it; Walnut goes from the read to the order. Walnut is free to use, with no fee on assets; Walnut Plus ($9.99 a month on the web) lifts the assistant's session limit.

The limits, with the job Walnut does own beside each: it does not manage money on autopilot, but it drafts the trades back to your target weights and places the ones you approve; it has no cost basis or tax lots and does not harvest losses, so it reads each holding by its one-year price return against the S&P 500; and it works on a brokerage account you already hold and does not open one for you. The full self-assessment is on the Walnut review.

SigFig: An automated investing service that manages accounts held at your existing broker, so you do not move money, at up to 0.50%/yr, $2,000 minimum (Oct 2026). It fits someone with an existing account at a supported broker who wants it managed without moving anything. The trade-off to accept: Supported custodians are limited, so it only works if your account is already at one of them. If that trade-off is one you are happy with, it is a sound choice.

We compared SigFig with the products answer engines most often set beside it (Betterment, Wealthfront, Magnifi, PortfolioPilot, Danelfin) and with Walnut, on five questions: where your money sits, whether the tool reads the account you already have, whether it can place a trade, what it costs in dollars, and who it fits. Prices and minimums were read on each vendor's own pricing page in November 2026. Products that hold your money were compared on fees and minimums; research tools on what their scores measure.

Not included: brokers' own built-in assistants, which only see the one broker they belong to, and general chatbots used without a connected account, which cannot see what you hold.