Ziggma Review (2026): Cost, Features, and Who It Suits

You connect or enter your holdings and Ziggma analyses the portfolio for exposure, risk and dividend income, scoring individual stocks on fundamental factors. A simulator lets you test how adding or removing a position would change the whole portfolio before you do it, which is the feature most portfolio trackers lack.

In category terms it is an AI stock research and scoring tool, and the AI component specifically scores stocks and analyses portfolio construction. 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.

• Portfolio simulation before you trade, plus analysis after the fact
• Fundamental stock scoring built for long-term holders
• Dividend income tracking and projection

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

Analysis and simulation only; it cannot place an order, so acting on anything means going back to your broker.

• Read-only, so every action still happens at your broker
• Proprietary scores are one opinion expressed as a number, and the methodology matters more than the score

Ziggma has a free plan. Paid plans are Starter at $9.99 a month ($6.99 billed annually), Investor at $14.99 ($10.49 annually) and Expert at $19.99 ($13.99 annually), each with a 7-day free trial. Checked on ziggma.com, October 2026. Because it is not charged as a percentage of assets, the cost does not scale with your balance. That makes it proportionally cheaper as an account grows and relatively expensive on a small one, which is the opposite of how a robo-advisor fee behaves.

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

• Best for portfolio analytics and stock scoring for self-directed investors: Ziggma (Free plan; paid $9.99 to $19.99 a month (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 quantitative stock signals: Danelfin (Subscription)
• Best for data-oriented quant signals: Kavout (Subscription)
• 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))

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.

Ziggma 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. Ziggma 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.

Ziggma: A portfolio analytics platform with proprietary stock scores, portfolio simulation and dividend tracking for self-directed investors, at free plan; paid $9.99 to $19.99 a month (Oct 2026). It fits a self-directed long-term investor who wants to understand portfolio-level effects before adding a position. The trade-off to accept: Analysis and simulation only; it cannot place an order, so acting on anything means going back to your broker. If that trade-off is one you are happy with, it is a sound choice.

We compared Ziggma 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.