Freemium

PortfolioGPT

Builds a model investment portfolio from your risk profile, timeframe and goals.

3.4 Finance & Fintech AI
3.4 Good 3.4
Useful starting structure for someone who does not know where to begin Not a regulated adviser and the output is not personal advice
Reviewed by Challenging Voice Editorial · Updated Aug 2026 How we rate
PricingFrom $3/mo
Free planYes
CompanyPortfolioGPT
PlatformsWeb
CategoryFinance & Fintech AI
Last reviewedAug 2026
Ask AI about PortfolioGPT ChatGPT Claude Perplexity

Overview

PortfolioGPT takes an amount, a risk tolerance, a timeframe, an age and a goal, and returns a suggested portfolio allocation in seconds. Sibling tools cover index funds, sectors, income and real estate, and paid plans add backtesting, forward guidance and Yahoo Finance data.

As a starting point it is genuinely useful. Most people asked to build a portfolio do not know where to begin, and seeing a structured allocation against a stated risk level and horizon teaches the shape of the decision even where the specific holdings are not followed. Backtesting on the paid tier shows how an allocation would have behaved historically.

Free gives five credits a day with advertising, then $3 a month or $27 a year. The important caveat: this is not a regulated financial adviser and its output is not personal advice, it knows only what a short form told it about your circumstances, and backtested performance is not a forecast. Treat the output as a prompt for your own research, or a conversation with someone licensed.

Key features

  • Portfolio allocation from a risk and goals questionnaire
  • Index, sector, income and real estate tools
  • Backtesting on paid plans
  • Yahoo Finance data integration
  • Free tier with five daily credits

Screenshots & demo

PortfolioGPT screenshot 1

Pricing

PortfolioGPT has a free plan, and paid plans start at $3/mo.

  • Pricing modelFreemium
  • Starting priceFrom $3/mo
  • Free planYes
Visit PortfolioGPT

Pricing is provided as a guide. Check the official site for the latest plans.

Is PortfolioGPT expensive?

PortfolioGPT starts at $3, which is 90% below the Finance & Fintech AI median of $29 a month across the 28 priced tools we list in that category.

The cheapest paid option in Finance & Fintech AI starts at $0.12 and the most expensive at $2,083.

23% of Finance & Fintech AI tools in the directory offer a free tier, and this is one of them.

Compared against every priced listing in Finance & Fintech AI, recalculated as the catalogue changes. Method and the full market breakdown are in our AI tool pricing study.

Pros & cons

Pros

  • Useful starting structure for someone who does not know where to begin
  • Backtesting shows how an allocation behaved historically
  • Cheap, at $3 a month or $27 a year

Cons

  • Not a regulated adviser and the output is not personal advice
  • Knows only what a short form told it about your circumstances
  • Backtested performance is not a forecast

How it compares

ToolRatingFreeFromBest known for
PortfolioGPT (this tool)3.4Yes$3/moPortfolio allocation from a risk and goals questionnaire
PinkLion3.3Yes€5/moStock, fund and crypto portfolio tracking in one place
Fina Money3.6YesFreeModular drag-and-drop dashboard blocks
StockGPT3.6YesFreeAI search grounded directly in earnings transcripts and financial reports

Alternatives to PortfolioGPT

4 tools matched to PortfolioGPT on what they do, their category and their price.

StockGPT

3.6

AI financial research assistant that answers questions from actual S&P 500 and Nasdaq earnings transcripts – grounded in sourced data, not open-ended generation, so it doesn't fabricate numbers.

Frequently asked questions

What is PortfolioGPT?
PortfolioGPT takes an amount, a risk tolerance, a timeframe, an age and a goal, and returns a suggested portfolio allocation in seconds.
Is PortfolioGPT free?
Yes, PortfolioGPT offers a free plan. Paid plans unlock more features and higher usage limits, starting at $3/month.
How much does PortfolioGPT cost?
PortfolioGPT starts at $3 per month. See the pricing plans above for full details.
What are the best PortfolioGPT alternatives?
The closest matches in the directory are PinkLion, Fina Money, and StockGPT, compared side by side above.

Reviews

3.4 Editorial rating No reviews yet

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