Best AI Investing Apps in 2026

Robinhood Strategies is the legitimate managed AI investing account, at 0.25% a year as of September 24, 2026. The chat, Cortex, is separate: it requires Gold at $5 a month and Robinhood says it is not an adviser. PortfolioPilot charges $240 a year for non-discretionary advice and does not place the trade.

An AI investing app is software that chats about markets, runs trading rules you wrote, or manages a portfolio. A chatbot that disclaims advice is not the same product as an SEC-registered adviser. Financeradar data: the 35 high-yield savings accounts we verify average 3.54% APY as of September 23, 2026, and the 34 with a published rate run from 1.84% to 4.50% (high-yield savings statistics). At that average, $1,412 earns $49.98 in a year if the rate holds, a hair under the annual Gold price. That interest is a yardstick for weighing Gold against idle cash, not a return the app pays.

Prices below were read on each company's own site, fee schedule, or regulatory brochure on September 24, 2026, and an older brochure keeps the date printed on it.

A classic robo-advisor that builds an ETF mix and never chats is a different product, ranked in best robo-advisors. Spending questions belong in best AI personal finance apps. Cash that is not invested belongs in a deposit account, including the Robinhood Gold cash sweep, which is not this portfolio.

1. Robinhood Strategies, the managed account the chat cannot touch

The Strategies FAQ puts the management fee at 0.25% of assets a year, per account. Robinhood's own example is $2.50 a year for every $1,000, accrued daily and debited at the start of the next month, so a small balance stays cheap beside a flat subscription.

Eligible Gold members pay that rate only on the first $100,000 in each managed account, so the management bill stops at $250 and every dollar above that line is 0%. The cap does not combine with certain other offers. Strategies itself does not require Gold, so without the membership the rate applies to the whole balance.

The opening minimum is the figure in the table. A balance under $500 is invested in ETFs, and a larger balance may mix ETFs with individual stocks, so the smallest account is a fund mix rather than single names. A balance under the opening minimum may be closed after 120 days.

You cannot call the investment team, so this is a poor fit if you wanted a person on the phone. Support can answer account questions, and you change the mix by editing an investor profile, which may update the portfolio in 1 to 2 business days.

Strategies Digests are plain-language summaries that use AI to describe what may have driven the portfolio's change over the last 7 days, and the FAQ says they are not notes from the investment team. Positions are evaluated at least monthly.

The team does not watch trades in your self-directed Robinhood account, and the wash-sale rule still runs across taxable and retirement accounts. Trading the same security in both places can create a wash sale. Brokerage is through Robinhood Financial, a FINRA member, and SIPC protection is the standard $500,000, including $250,000 for cash claims. That does not cover a drop in the stocks. For the cash yield, use the cash comparison.

2. Robinhood Cortex, a Gold chat that Robinhood says is not advice

The Cortex Assistant disclosure is blunt. Assistant is a conversational feature for eligible Gold subscribers on the iOS app, and it is not an investment adviser. Responses are not a recommendation to buy, sell, or hold, Robinhood does not guarantee accuracy, and you confirm every order on a final screen. It can pre-fill market, limit, and stop orders for eligible equities, link orders for crypto and event contracts, start an ACH deposit or withdrawal, edit a watchlist, and set a price alert.

It cannot place an options order, a futures order, or a multi-leg options strategy, and only one order is processed per conversation, so an options trader should skip it.

At launch the disclosure limits Assistant to United States brokerage customers on iOS, excluding managed accounts, so it is absent on Android, the web, Robinhood Legend, and the Strategies account in the previous section. Queries and conversation context go to third-party AI providers, including OpenAI and Google.

Gold, from the membership page, is $5 a month or the annual price in the table, with a one-time 30-day trial. A year of monthly billing is $60, more than that annual price if you already plan to stay. The same page lists a 3.6% APY on eligible brokerage cash for Gold members as of September 17, 2026, variable, and only when the cash program is on and you are not using margin.

That rate is 0.06 percentage points above the catalog average. The extra yield on $83,333 is about $50 a year, so the gap does not pay for Gold unless the idle cash is already that large. The first $1,000 of margin is included with Gold, and borrowing past that slice accrues interest.

3. PortfolioPilot, registered advice that never places the trade

Global Predictions offers PortfolioPilot, and its Form CRS dated August 2026 says the firm is an SEC-registered investment adviser giving non-discretionary advice. You decide whether to trade, and there is no account minimum. The free tier is monitoring, net worth, and planning, and the CRS says that tier does not offer investment advice, so the free screen will not tell you what to buy. Gold is $29 a month or $240 billed annually, and that is the first tier with personalized recommendations.

Platinum is $99 a month or $588 a year. Pro is $149 a month or $1,188 a year, and it adds a quarterly call with a Global Predictions adviser plus private-equity modeling.

The pricing page shows the same annual totals, with the paid AI assistant limited on Gold and described as unlimited on Platinum, capped in the help center at 100 queries a day. A help article updated July 29, 2026 says paid plans start with a 10-day Pro trial and no credit card. The CRS says the trial lasts at least 10 days and can run longer, and that a promo credit can zero the fee until the credit runs out. Fund expense ratios and your broker's commissions are outside this subscription.

The same CRS says the firm has legal and disciplinary events and points to Item 9 of Form ADV for the conduct. A year of monthly Gold is $348, which is $108 more than paying annually. PortfolioPilot fits someone who wants a registered recommendation and will place the trade at their own broker. It is the wrong tool if you wanted the app to submit the order.

4. Public, free research, self-directed agents, and a 0.49% index

Public splits three AI surfaces, and only one of them is an advisory account. The Alpha help article, dated May 20, 2024, says Alpha is free for Public investors, uses GPT-4, and does not provide financial advice. Output is experimental and provided as is, so treat the reply as a draft you still have to check. It lives on the mobile app and the website.

Generated Assets turn a plain-language prompt into a custom index. Public says that output is not individualized advice. If you then invest, Public Advisors LLC, an SEC-registered adviser, runs the account, and the fee schedule updated September 23, 2026 charges 0.49% a year on a Generated Assets account. A Direct Index account on the same schedule is 0.19% a year, so the custom prompt costs more than direct indexing. Backtests on the product page are hypothetical and are not a result you are owed. ETF expenses are separate from the advisory rate.

AI Agents are self-directed. You describe a rule, approve the workflow, and the agent can trade stocks, options, and crypto inside the brokerage. Public says the output is not a recommendation. Open to the Public Investing is a FINRA member. The same fee schedule prices regular-hours and extended-hours United States stock and ETF trades at no commission, sets an outgoing ACAT at $100, and charges a $3.99 inactivity fee every month when the account is under $70 and has had no activity for 6 months. That fee hits a forgotten leftover account. Public fits a person who will write the rule or the index prompt. It is a weak pick if you wanted a fiduciary to refuse a bad idea, because Alpha and the agents both say that judgment stays with you.

5. Composer, automated rules from no subscription to $384 a year

The pricing page starts at no subscription. Starter automates one strategy, allows strategies up to 200 nodes, and includes Trade with AI plus unlimited backtests. Advanced is $10 a month and raises the cap to five automated strategies and 350 nodes, with more of that AI usage. Pro is shown at $32 a month when billed yearly, which is $384 a year, and it allows up to 500 strategies and 10,000 nodes, plus API access and a manual override to skip trading or go to cash. Business accounts are quoted. A year of Advanced at the monthly rate is $120, so Pro costs $264 more than that year if you need the larger cap.

Securities and brokerage come from Composer Securities LLC, a broker-dealer and FINRA member. The page says this is not advice to buy or sell, and that securities are not FDIC insured. SIPC does not cover a market loss, so a losing rule is still yours. Composer fits someone who wants to automate a rule they can read. It is a poor fit if you wanted a registered adviser to pick the allocation, because the strategy is yours and the subscription does not hire that fiduciary.

6. Titan, a human adviser, with AI named on the homepage

Titan describes AI-powered technology next to specialist advisers and wealth teams, and the contract is a human advisory firm, not a chat window. The Form CRS dated June 12, 2026 says Titan Global Capital Management USA LLC is an SEC-registered adviser charging a 0.40% annual wrap fee, prorated monthly in arrears, on the daily average of eligible assets. Taxable accounts, joint accounts, and IRAs open at $500. Direct indexing opens at $20,000, so that product waits on a much larger deposit. The wrap covers trades, while ETF expense ratios, transfer fees, and an outgoing ACAT are extra. The fee schedule lists that outgoing ACAT at $100 per account, and an IRA termination at the same amount.

On the opening minimum, a year of the advisory fee is $2. One outgoing transfer costs as much as 50 years of that fee, which is the weakness at a small balance. The CRS also says you will likely earn a higher APY if cash sits somewhere other than Titan's sweep, which is why idle dollars belong on the savings ranking. Titan discloses an SEC settlement tied mainly to legacy marketing and disclosure issues on its cryptocurrency strategy. Key facts on the homepage list $1.2 billion in assets under management as of June 2, 2026. You can work with a wealth adviser here, which Strategies does not offer. Titan fits a tech employee who wants that person, and direct indexing waits for its own higher floor. It is expensive, as a percentage, next to Strategies.

7. Range, a flat fee and an AI named Rai

Range's pricing page sells advisory services at 0% of assets, with access to Rai, its AI, plus messaging with advisers. The page prints $5,950 a year on one tier and labels Titanium at $12,500 a year. Titanium's list adds personal tax filing on top of the prior tier, so the higher bill is tax work rather than a pricier portfolio. The March 2026 Form ADV for Range Advisory still describes flat subscriptions from $49 to $10,000 a year, so the live page and that brochure do not match at the top of the band, and a quote from the brochure can understate the live price. Premium, Platinum, and Titanium are paid upfront for the year. The brochure says Range Advisory has no material legal or disciplinary events to disclose.

The same pricing page lists 3.20% APY on cash savings. That is 0.34 percentage points under the catalog average, so the cash rate is not a reason to pay the fee. Discretionary investing, when you use it, runs through third-party model platforms the brochure calls TAMPs, and other planning advice is non-discretionary. Range fits a household that wants CFPs, tax work, and an AI in one membership and will pay a four-figure flat fee. It is the wrong subscription if the job was a chat about a single stock, because the cheaper AI tools above do that job for a small fraction of Titanium.

What a year of each choice actually costs

The sticker and the bill after twelve months are different numbers when a cap, a monthly toggle, or a transfer fee is involved. The rows below freeze that savings average and leave tax out. A portfolio can lose value, so none of these fees buy the interest in the introduction.

A transfer can dwarf a year of advice on a small Titan account, and a year of monthly PortfolioPilot Gold costs more than the annual plan for the same recommendations. Paying the annual toggle is the cheaper path on both of those products when you already know you will stay.

How we ranked

Seven products were read on their own pages on September 24, 2026. The sources were Robinhood's Strategies FAQ, Gold membership page, and Cortex Assistant disclosure. Public's fee schedule dated September 23, 2026, Alpha help article, Generated Assets page, and agents page. Composer's pricing page, PortfolioPilot's pricing page, and Global Predictions' August 2026 Form CRS. Titan's homepage, fee schedule, and June 12, 2026 Form CRS, plus Range's pricing page and March 2026 brochure. That savings average is the September 23, 2026 figure on our statistics page. Rank follows whether a registered adviser stands behind the portfolio, what the app is allowed to do, and what a year costs as the balance grows. No paid placement moved a row. Nobody here opened an account or linked a brokerage.

Louis Corneloup, founder of Financeradar and Dupple, editorially reviewed this ranking. This is general information, not personalized financial, tax, or investment advice. A commission on an investing-app link, if Financeradar is paid one, does not move a managed account above a chat (how we make money). Apps that only chart the portfolio, and do not place these trades, are Monarch, Copilot Money, Empower, and Kubera, compared in Empower vs Monarch vs Copilot vs Kubera. The rate tracker shows which savings rates moved, and the high-yield savings guide is the ranked list behind the average above.

FAQ

What is the best AI investing app in 2026?

Robinhood Strategies, at 0.25% a year as of September 24, 2026, because an SEC-registered adviser manages the account from the minimum in the first table, and Gold caps that fee once the balance is large. Cortex is the chat, it requires the Gold price in the first table, and Robinhood says it is not an adviser. PortfolioPilot is the registered option that will not place the trade, at $240 a year or $29 a month. Public's Alpha research tool has no charge and is not advice. Titan is the human adviser, at the higher wrap rate, with a disclosed SEC settlement.

How much does an AI investing app cost?

On September 24, 2026, Strategies charges the advisory rate in the first table, and Gold members stop paying management fees above $100,000, at $250 a year. Cortex requires the monthly Gold price in that table, or the annual price, and a year of the monthly plan is $60. PortfolioPilot's advice starts at the annual figure in that table, or $348 if you pay Gold monthly. Composer's Pro plan is $384 a year. A Generated Assets account at Public is 0.49% a year. Titan is 0.40% a year from the opening minimum in the first table. Range prints $5,950 a year and Titanium at $12,500.

Is there a free AI investing app?

Public's Alpha research chat has no charge, and Composer's Starter plan has no subscription for one automated strategy. PortfolioPilot's free tier monitors accounts and, per the August 2026 Form CRS, does not offer investment advice. Gold at PortfolioPilot, Robinhood Cortex, and a Generated Assets account are paid. Strategies charges an asset-based fee even though the account can open small. Range's priced tiers are four figures. A free research chat is not a free fiduciary.

Is Robinhood Cortex investment advice?

No, the Cortex Assistant disclosure says Assistant is not an investment adviser, responses are not a recommendation to buy or sell, and Robinhood does not guarantee that the answer is accurate. You still confirm any order. It runs on iOS for Gold members, it cannot place options or futures orders, and it is not available on a Strategies managed account. Queries can be processed by OpenAI and Google. Gold is $5 a month after the trial, or the annual price in the table.

Does PortfolioPilot place trades for you?

No, the August 2026 Form CRS says the advice is non-discretionary, there is no account minimum, and you are responsible for acting on it. The free tier is not investment advice. Gold, at $29 a month or the annual bill in the first table, is where personalized recommendations start. Platinum is $588 a year, or $99 a month. A 10-day trial of the top tier does not require a credit card, according to the help article updated July 29, 2026. The same CRS says the firm has legal and disciplinary events and points to Item 9 of Form ADV for what they were.

Is Titan's AI the same thing as a chat window?

No, Titan's site describes AI-powered technology, and the June 12, 2026 Form CRS describes discretionary management by an SEC-registered adviser at 0.40% a year, with a $500 minimum and direct indexing at $20,000. You can work with a wealth adviser, which Strategies does not offer. The firm discloses an SEC settlement tied mainly to legacy crypto marketing and disclosures. An outgoing ACAT is $100, against a $2 advisory bill on the opening minimum. The CRS also says cash in the sweep will likely earn less than cash held elsewhere.

Should emergency cash sit in an AI investing app?

No, these portfolios can lose value, and several fees are a percentage of whatever balance you leave inside them. Our savings catalog still averages 3.54% APY as of September 23, 2026. Robinhood lists 3.6% APY on eligible Gold brokerage cash as of September 17, 2026, and the extra 0.06 percentage point does not cover the Gold subscription unless idle cash is already about $83,333. Range lists 3.20% APY on cash savings, which is below that catalog average. The savings statistics page is where the average stays current.

Cite this: Financeradar, "Best AI Investing Apps in 2026", September 2026.