Policygenius vs Carta: Which Should You Choose in 2026?
Choosing between Policygenius and Carta comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 28, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Policygenius
Compare and buy insurance online with expert advice.
Best for you if:
- • You need something completely free
- • Compare multiple insurance quotes online.
- • Access expert advice from licensed advisors.
Carta
Equity management and cap table software
Best for you if:
- • You want the higher-rated option (8.8/10 vs 0.0/10)
- • Carta is a platform for managing equity, cap tables, and valuations for startups
- • It handles 409A valuations, equity grants, and liquidity events
| At a Glance |  Policygenius |  Carta |
|---|---|---|
Price | Free | Paid |
Best For | Financial Planning | Financial Planning |
Rating | —/100 | 88/100 |
| Feature | Policygenius | Carta |
|---|---|---|
| Pricing Model | Free | Paid |
| Editorial Score | — | 88 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | Financial Planning | Financial PlanningCompliance Management |
How Policygenius and Carta Compare
Policygenius
Compare and buy insurance online with expert advice.
Free
Carta
Equity management and cap table software
Paid · 88/100 score
Who Should Use What?
On a budget?
Policygenius is free. Carta is paid.
Go with: Policygenius
Want the highest-rated option?
Carta scores 88/100. Policygenius is unrated.
Go with: Carta
Value user reviews?
Neither has user reviews yet.
Go with: Carta
3 Questions to Help You Decide
What's your budget?
Policygenius is free. Carta is paid. Go with Policygenius if free matters most.
What's your use case?
Both are financial planning tools. Compare their specific features to decide.
How important are ratings?
Not all tools have been rated yet.
Key Takeaways
Carta
- Higher score: 88/100 vs unrated
- Our pick for this comparison
Policygenius
- Completely free
The Bottom Line
Carta (88/100) is our pick. That said, Policygenius is free — hard to beat on price.
Frequently Asked Questions
Is Policygenius or Carta better?
Carta scores 88/100 in our evaluation. Policygenius is free and Carta is paid.
What are Policygenius and Carta used for?
Policygenius: Compare and buy insurance online with expert advice.. Carta: Equity management and cap table software.
What does Policygenius cost vs Carta?
Policygenius is completely free. Carta is a paid tool. Visit their websites for detailed pricing.