Transparent pricing
Pay for automation, not assets
Wealthfront charges 0.25% AUM. Betterment 0.25%. We charge a flat fee for AI credits — you keep the rest.
On a $100K portfolio, we save you ~$250/year vs. traditional robo-advisors
Free
$
0
/mo
Connect your brokerage, monitor everything. No card required.
View-only mode
- Connect real brokerage (Plaid)
- Live portfolio dashboard
- Tax-loss harvest alerts
- Sector allocation view
- Auto TLH execution
- AI rebalancing
Founding Price
Pro
$
19
/mo
$19/mo regular
$
10
/mo
forever
AI executes for you. Set it, forget it.
15 AI credits / month
- Everything in Free
- Auto TLH execution
- AI rebalancing
- Conversational planning
- Priority execution
- API access
Most Popular
Founding Price
Power
$
49
/mo
$49/mo regular
$
25
/mo
forever
More credits, priority execution, deep analytics.
50 AI credits / month
- Everything in Pro
- Priority execution queue
- Portfolio analytics
- Performance benchmarks
- Tax optimization reports
- API access
The math is obvious
Wealthfront
$250+
on $100K @ 0.25% AUM/yr
Betterment
$250+
on $100K @ 0.25% AUM/yr
Fidelity Go
$350+
on $100K @ 0.35% AUM/yr
WealthPilot Power
$588
flat $49/mo — any portfolio size
Feature comparison
| Feature | Free | Pro | Power |
|---|---|---|---|
| Portfolio dashboard | ✓ | ✓ | ✓ |
| Brokerage connection (Plaid) | ✓ | ✓ | ✓ |
| TLH opportunity alerts | ✓ | ✓ | ✓ |
| AI credits / month | — | 15 | 50 |
| Auto TLH execution | — | ✓ | ✓ |
| AI rebalancing | — | ✓ | ✓ |
| Conversational planning | — | ✓ | ✓ |
| Priority execution | — | — | ✓ |
| Portfolio analytics | — | — | ✓ |
| AUM fees | $0 | $0 | $0 |
Common questions
What counts as a credit?
Each autonomous AI action costs 1 credit: executing a tax-loss harvest (1 credit), triggering a rebalance (1 credit), or running an AI planning conversation (1 credit). Viewing your dashboard and portfolio data is always free.
Do credits roll over?
Credits reset at the start of each billing month. They don't roll over, but 15–50 credits covers most investors' monthly activity easily.
Can I cancel anytime?
Yes. Cancel before your next billing date and you won't be charged again. Your portfolio data stays accessible on the Free plan.
Are my brokerage credentials safe?
We use Plaid for brokerage connections — the industry standard used by Venmo, Robinhood, and thousands of others. We never see your login credentials.
How does tax-loss harvesting actually work for me?
When a position in your portfolio is down, WealthPilotOS flags it, sells the position to capture a realized loss that offsets your capital gains (or up to $3,000 of ordinary income per year), and immediately buys a highly correlated replacement so your portfolio stays invested. The 30-day wash-sale rule is enforced automatically. Read the full guide at /blog/tax-loss-harvesting-guide.
What does Pro vs. Power include?
Pro ($19/mo) gives you 15 AI credits a month, automatic tax-loss harvesting, and AI rebalancing — enough for a single brokerage. Power ($49/mo) gets you 50 credits, priority execution on time-sensitive trades, and a deeper analytics dashboard.
Is WealthPilotOS tax advice?
No. WealthPilotOS provides automation and tax-loss harvesting tooling — it is not a substitute for personalized tax advice. The TLH engine enforces IRS rules including the 30-day wash-sale rule and the $3,000 ordinary-income offset cap, but you should always confirm your specific situation with a CPA before filing.
How is my brokerage data handled?
Your brokerage link is established through Plaid — the same provider used by Venmo and Robinhood. WealthPilotOS never sees or stores your login credentials; Plaid returns read-only access tokens. Holdings and transaction data are encrypted in transit (TLS) and at rest, and are used only to power your portfolio dashboard and the TLH engine.