Onesta vs PortfolioPilot (2026): Pricing, Features & Which to Choose

Who comes out ahead

Based only on the facts in our directory. The right pick still depends on the job you need done.

Lower starting price
Not comparable
Not comparable: Onesta does not list a price
Free plan
Onesta
Only Onesta has one
Higher rating
PortfolioPilot
3.5 against 4.3
Same job?
Yes
Both are Finance & Fintech AI tools

Side by side

Compared on	Onesta	PortfolioPilot
Our rating	3.5	4.3Better
Starts at	Free	Not listed
Free plan	YesBetter	No
Category	Finance & Fintech AI	Finance & Fintech AI
Plans	Free	See pricing
Key features	OnestaBot AI assistant for finance, investing, budgeting, and tax questions Financial advisor search filtered by fee-only, fiduciary, and credential status SEC registration data (Form ADV) processing for advisor background checks Educational financial-literacy resources Free tier available	AI chat assistant for investing, tax and planning questions grounded in current data Continuous tax-loss-harvesting and hidden-fee detection Unlimited-account net worth tracking across 401k, brokerage, crypto and real estate Retirement and custom future-scenario simulations Registered investment adviser with published Form CRS and Form ADV
Pros	Advisor verification is grounded in actual SEC filing data, not self-reported claims Combines AI Q&A with a concrete next step (finding a verified advisor) Free tier available to evaluate before upgrading	A real SEC-registered adviser rather than an unregulated calculator A usable free tier covers net worth and retirement planning with no cost Flat subscription pricing well below a traditional percentage-of-assets advisor fee
Cons	Free tier capped at just 10 questions per month AI financial guidance is educational, not a substitute for personalized professional advice Advisor database coverage depends on SEC registration - unregistered advisors won't appear	Full AI assistant access and most planning tools require a Gold plan or higher Public site content is educational, not personalized advice, until you become a client Higher tiers (Platinum, Pro) get expensive for a self-directed individual investor
Company	Onesta	Global Predictions Inc, founded 2020

Prices come from each vendor's pricing page, last checked 20260923. Check the vendor before you buy.

FAQ

Questions people ask

Is Onesta better than PortfolioPilot?

In our reviews Onesta scores 3.5 and PortfolioPilot scores 4.3. The better pick depends on the job. Onesta: Ask OnestaBot a finance question and get an answer, then search a database of financial advisors verified against their actual SEC registration data - not just self-reported credentials. PortfolioPilot: SEC-registered AI investing coach from Global Predictions that tracks net worth, taxes and retirement planning, with a free tier and three paid subscription levels.

Which is cheaper, Onesta or PortfolioPilot?

Onesta: free. PortfolioPilot: see pricing.

Do Onesta and PortfolioPilot have free plans?

Only Onesta has a free plan.

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