Best AI Investing Apps in 2026
Short answer: Public if the agent lives inside the brokerage, with no added subscription and no commission on US-listed stocks and ETFs on the fee schedule updated September 17, 2026. Access is a web waitlist, so anyone who needs a phone workflow should skip it.
Robinhood Agentic Trading walls an agent you already pay for into one account. Webull previews each order before it is allowed to go live. TradingView Essential is $12.95 per month billed annually when the job is a screen. Trade Ideas Premium is $254 per month when you want Holly's suggestions.
Pick the app by who is allowed to send the order, then read the fee that sits under the free label.
Buy the app that matches who is allowed to send the order. Public is the default when you will describe a plan in plain English and let it run inside the brokerage, because the agent adds no subscription.
If you wanted the firm to choose the portfolio, that is a different Public product, and this ranking is about the plan you write.
That free label is the software, not the whole account. Backtesting is not available yet, so a logged run is the only rehearsal, and anyone who needs a practice run first should skip Public.
If you already pay for Claude, ChatGPT, or Grok, Robinhood Agentic Trading keeps that agent inside one funded account, and the deposit is what you are willing to let it trade.
Webull fits when you want a preview and a size cap before anything goes live.
Toolradar data: of the 9 investment apps we track, 6 (67%) are paid-only, and 33% still offer a free or freemium plan.
An agent is not a robo-advisor: Public's own FAQ, dated June 9, 2026, says a robo-advisor picks a model portfolio, while an Agent runs only the plan you approved. This page is general product information, not a personal investment recommendation.
Spending categories and bill cleanup are a different job, covered in the AI personal finance guide.
Dupple's consumer version is best AI personal finance tools, and a budgeting roundup is on Finpresso.
If the next step is a scanner rather than a brokerage agent, start with AI trading tools.
How we chose: we set these 10 against the 9 tools in investment apps, checked every price on the vendor site in September 2026, and took no paid placement.
Top Picks
Picked by editorial review, informed by G2 and Capterra review volume and rating and by media mentions, the signals behind our category rankings. How we rate
| Tool | Starting price | Rating | Best for |
|---|---|---|---|
| Public | No agent fee | 3.9148 reviews | Self-directed investors who want an in-app agent and can wait for access. |
| Robinhood Agentic Trading | No separate agent fee | n/a | People who already use Claude, ChatGPT, or Grok and will fund a separate account. |
| Webull | No agent fee listed | 1.3409 reviews | Investors who want a preview, a size cap, and more than stocks. |
| TradingView | Essential $12.95/mo | 4.575 reviews | Investors who screen and chart before an agent is allowed to trade. |
| Finviz | Elite $24.96/mo annual | 3.428 reviews | Buyers who want real-time filters and will wire the export to an agent. |
| Trade Ideas | Premium $254/mo | 4.641 reviews | Active stock traders who will pay for Holly rather than a free scan. |
| TrendSpider | Then $99 to $149/mo | 4.6323 reviews | Technical traders who want bots and pattern detection and accept a price band. |
| 3Commas | Starter $20/mo | 4.329 reviews | Crypto traders who want an AI grid bot on a published monthly plan. |
| Kubera | Essentials $250/year | n/a | Households tracking many accounts who want an agent to read one ledger. |
| Wealthfolio | Free app | n/a | People who will not put holdings in a cloud app and still want an assistant. |
Self-directed investors who want an in-app agent and can wait for access.
Public's pricing is exceptional value - the entire platform is free with no paid tiers, offering multi-asset investing, AI agents, options rebates, and high yield on cash.
People who already use Claude, ChatGPT, or Grok and will fund a separate account.
Investors who want a preview, a size cap, and more than stocks.
Webull's pricing is genuinely generous for its core offering, as the free tier provides commission-free trading on stocks, ETFs, and options with no deposit or account minimums.
Watch out
Certain index options cost $0.50 per contract
Investors who screen and chart before an agent is allowed to trade.
However, the absence of paid tiers suggests limited advanced features without a subscription.
Buyers who want real-time filters and will wire the export to an agent.
The Finviz Elite pricing is reasonable for active traders who need real-time data and advanced charting, but the lack of a free tier and the 7-day trial may feel restrictive for casual users.
Watch out
No mention of data export limits or overages
Active stock traders who will pay for Holly rather than a free scan.
The Premium plan with Holly AI is the main draw, but at $2,136/year it is one of the most expensive retail trading tools on the market.
Watch out
No mobile app for real-time alerts, you are tethered to your desktop during market hours
Technical traders who want bots and pattern detection and accept a price band.
The value proposition significantly increases with higher tiers offering more advanced features like AI trading bots and extensive alerts.
Crypto traders who want an AI grid bot on a published monthly plan.
3Commas offers a generous Free tier, making it accessible for beginners.
Watch out
Annual billing required for 25% discount
Households tracking many accounts who want an agent to read one ledger.
Kubera's pricing is fair for its niche but not cheap.
People who will not put holdings in a cloud app and still want an assistant.
The Wealthfolio free tier is incredibly generous, offering a comprehensive suite of features for an investment tracker.
What an AI investing app is in 2026
An AI investing app is software that screens, explains, or places investments from a prompt or a model, inside a brokerage account or beside one. A budget app that only sorts last month's spending will not send this order.
In-broker agents suit someone who wants a rule to run without a separate scanner bill. Public builds the agent into the account, so you are not also paying for a model subscription. Robinhood and Webull connect an agent you already use, through an MCP link, then limit what that agent can touch.
Skip Robinhood and Webull if you do not already pay for an outside model.
Research screens suit someone who wants a list before any order. TradingView meters AI screener requests by plan, so the free chart is not the AI allowance. Finviz sells real-time data and an export you hand to your own agent, and it never places the trade.
Trade Ideas and TrendSpider sell the signal and the chart work as the product, which is the wrong bill if you only place an occasional trade.
Trackers suit the household that needs one balance sheet before any bot trades. Kubera is a cloud ledger an agent can read, and Wealthfolio keeps that ledger on your machine. Neither is a broker, so a tracker cannot send the order.
3Commas is the crypto case: an AI grid bot and QuantPilot, on exchanges, not a stock account. Skip it if the portfolio you care about is listed equities.
Why the free agent is rarely the whole bill
The demo shows a prompt, and the invoice shows a plan, a data fee, or an account charge the prompt never mentioned, which is the line a household actually budgets.
Public's agents require no Premium subscription, yet the same fee schedule prices index options at $0.35 per contract, an outgoing ACAT at $100, and an inactivity fee of $3.99 a month when the account is under $70 and idle for six months.
Options users, transfers out, and small idle balances pay after the agent looked free.
Trade Ideas puts the AI on Premium: Standard is $127 a month, or $1,068 a year, and it does not include the first-generation AI signals, so a Holly buyer who takes the cheaper name bought a scanner. Holly's suggestions, backtesting, and auto trading are that higher plan, also sold as $2,136 a year.
TrendSpider shows a band rather than one monthly number, so a single quoted month will not match the card. Premium, which the page calls the fit for 80% of active investors, is a paid 14-day trial and then a monthly range.
Sidekick includes a capped message count on every plan, and the paid message plans are a second subscription.
Kubera refuses the percent-of-assets bill: Essentials and Black are flat annual fees, after a 14-day trial of the full product. That year is the right comparison when a wealth fee would have been a percent of the balance sheet, and the wrong one when you still need a broker to send the order.
Generated Assets, Public's advisory account, is a different purchase from Agents: the management fee is 0.49% a year. Use that product when you want the firm to run a portfolio. Use Agents when you will write the plan yourself.
Key Features to Look For
A named account the agent can trade (Essential)
Robinhood's agent can place orders only in the Agentic account, even though the connection can read your other accounts, so the balance you leave there is the risk limit. Webull can be switched to read-only so research does not become an order.
A preview or a hard cap (Essential)
Webull shows order details before anything goes live and lets you cap size, value, or the symbol list if you will not allow an unseen ticket. Robinhood will skip that confirmation when you told the agent to act without asking.
AI on the plan you will actually buy (Essential)
TradingView's AI screener requests start at 100 on Essential, not on the free Basic plan, so a free chart is not the AI screen. On a signal product, the cheaper plan is often the scanner without the model.
A price you can type into a budget (Essential)
Public, Robinhood, and Webull publish no separate agent subscription, so the brokerage schedule is the budget line. TrendSpider publishes a monthly band rather than one number. Wealthfolio Connect publishes no dollar, so it stays out of a seat ranking until it does.
A test before live money (Important)
Trade Ideas Premium includes backtesting, 3Commas includes a demo account, and TrendSpider includes forward testing plus AI-powered backtests when you need a practice book first.
What the connection is allowed to read (Important)
Robinhood's Trading MCP can read every account, positions, transactions, and watchlists, so the order wall is not a privacy wall. Webull says your login stays with Webull under OAuth. Wealthfolio keeps the history on the device when a cloud copy is the risk.
The assets the agent can actually touch (Important)
Public's agents can use stocks, options, and crypto, with crypto API fees starting at 0.60% under $10,000 of monthly volume, so crypto is not free on the stock schedule. Robinhood's agent can trade crypto except in some states, including New York, and it cannot transfer, stake, or lend it.
A ledger that is not a broker (Nice to have)
Kubera's AI appraiser and agent-readable balance sheet do not place an order, so they are the step before an agent. Wealthfolio's assistant answers questions about holdings you already imported, and it is silent until that import exists.
What to decide before you connect an agent
If you will not write the rules yourself, skip Public's Agents and look at a managed account, because Public says the Agent follows your plan and does not recommend trades.
If the agent must not see the rest of the portfolio's buying power, use Robinhood's separate Agentic account or Webull's read-only mode, and fund only what you can lose.
If the job is a screen, start with TradingView or Finviz, because Trade Ideas Premium is a trader's tool, not a monthly investment habit for a household account.
If the holdings live at several brokers, price Kubera or Wealthfolio before you pay for signals, because a scanner cannot tell you what you already own.
If the account is crypto, 3Commas is the published bot plan, and a stock agent's equity screen will not run that book.
Evaluation Checklist
On Public, confirm you are off the waitlist and that you can open Agents on the web, then read the plan preview before you activate.
On Robinhood, open the Agentic account from a desktop browser, fund only that account, and decide whether the agent may trade without a confirmation. The support page says it can, if you asked it to.
On Webull, turn on a size cap and a symbol list, place one previewed order, and try read-only mode before you leave the agent connected overnight.
On Trade Ideas, decide whether you will run auto trading and a rehearsal, because those tools are why the higher plan exists.
On TrendSpider, write down the trial fee and the monthly band for the tier you will keep, then add futures data at $7.50 a month if you are a non-professional who needs it. A single quoted month will not match the card.
On Kubera, finish the 14-day trial on the full product, then choose Essentials or Black before the year bills, because the trial does not pick the plan for you.
Pricing Overview
No separate agent subscription
Public, Robinhood Agentic Trading, and Webull, when the agent fee is not a second bill.
Brokerage schedule only
Published research and signal plans
TradingView, Finviz Elite, Trade Ideas Premium, TrendSpider, and 3Commas Starter.
Monthly or annual list price
Flat tracker, or no list price
Kubera's yearly plans, and Wealthfolio, whose app is free and whose Connect service has no published price.
Annual fee, or unpublished
Pricing Comparison
| Tool | Published price | What that price buys | Billing |
|---|---|---|---|
Public | No agent subscription | In-broker agents on the web, with index options at $0.35 per contract and an outgoing ACAT at $100. | Brokerage schedule |
No separate agent fee | A dedicated MCP account where stocks, ETFs, and their options are commission-free, while regulatory fees still pass through. | Brokerage schedule | |
Webull | No agent fee listed | An MCP connection with a preview and size caps, while certain index options cost $0.50 per contract. | Brokerage schedule |
Essential $12.95/mo annual | 100 AI screener requests and 2 charts per tab on a 30-day trial, with Plus at $29.95 and Premium at $59.95 on the same billing. | Annual special price; $14.95 month to month | |
Finviz | Elite $24.96/mo annual | Real-time data plus an export for your own AI agents, with monthly Elite at $39.50 or $299.50 a year. | Annual or monthly |
Premium $254/mo | Holly, AI signals, backtesting, and auto trading, while Standard is $127/mo or $1,068 a year without them and Premium annual is $2,136. | Monthly, or annual | |
Trial $29, then $99 to $149/mo | Premium includes 10 bots, 50 alerts, and 25 Sidekick messages, while Standard's trial is $19 and then $59 to $89 a month. | 14-day paid trial, then monthly band | |
Starter $20/mo | Spot bots at one exchange with 5 DCA bots, annual Starter at $15/mo, Pro at $50/mo, and Expert at $140/mo. | Monthly, or annual | |
Kubera | Essentials $250/year | A balance sheet an agent can read, Black at $2,500 a year, and the full product on a 14-day trial. | Annual |
Wealthfolio | App free | A local tracker with an AI assistant and MCP, while Connect, the brokerage sync, has no published price. | No app subscription |
Prices come from vendor sites on September 23, 2026, and TradingView's amounts are the USD prices in its pricing page data. TrendSpider's monthly figures are the bands on its pricing page, and a first-year discount can move the charge inside the band.
For a screen that is not a broker, start with TradingView vs TrendSpider. Other brokerage apps in the same catalog are on investment apps.
Mistakes to Avoid
- ×
Treating an agent like a robo-advisor. Public's June 9, 2026 FAQ says the Agent does only what you approved, and Generated Assets at 0.49% a year is the managed account if you wanted the firm to choose.
- ×
Funding the whole portfolio into Robinhood's Agentic account. The wall only works if the deposit is the amount you are willing to let the agent trade, including trades you did not confirm one by one.
- ×
Assuming Webull's connection is the whole bill. You still bring ChatGPT or Claude, and that model's plan is a second invoice the broker page does not price.
- ×
Comparing TrendSpider's band with a single monthly seat. A first-year discount can move the charge inside the range the pricing page prints, so one quoted month will not match the card.
- ×
Letting a Finviz Elite trial renew. The page says it becomes a paid plan on the card you entered, at the Elite rate, unless you cancel before the trial ends.
- ×
Paying for 3Commas Expert before you have more than one exchange key. Starter is spot only, and the $140 plan is the limit increase, not a smarter stock picker.
Expert Tips
- →
Write the plan in Public's preview and leave it paused for a week of alerts before you let it send orders. The runs are logged once the agent is live.
- →
On Webull, start in read-only mode, then add a symbol list and a size cap, and only then allow a previewed order.
- →
Match the research bill to how often you trade. Finviz Elite on the annual rate is enough screen for many households, while Trade Ideas Premium needs an active stock process before the year makes sense.
- →
Use Kubera or Wealthfolio to list what you own before you connect an agent. A signal tool cannot see a 401(k) that never got imported, and Wealthfolio's contribution-room tracker is the check those scanners skip.
- →
If you connect Claude or ChatGPT over MCP, read the MCP servers for finance guide for the connector, and keep the broker's own cap turned on. The model vendor does not enforce Webull's symbol list.
- →
For charting that is not a broker, open TradingView vs TrendSpider with the Essential annual price and TrendSpider's Premium band in front of you, so the comparison is the bill and the AI allowance, not the logo.
Red Flags to Watch For
- !
A Public pitch that calls Agents a robo-advisor is using the wrong product. The FAQ says Agents are not financial advisors, and the 0.49% Generated Assets fee is the advisory account.
- !
A Robinhood setup that connects the MCP and then leaves a large balance in the Agentic account has skipped the wall. The agent can trade only that account, so the deposit is the risk limit.
- !
A Trade Ideas checkout on Standard, after a Holly demo, buys real-time scans and charts without the AI signals, because those signals are the Premium plan.
- !
A TrendSpider quote that cites one monthly price, when the pricing page shows a band and a first-year discount, will not match the card charge. Read the band before you compare it with a single seat.
- !
A Finviz Elite trial that you do not cancel becomes a paid plan on the payment method you entered at signup.
- !
A 3Commas Starter plan sold as futures automation is the wrong tier. Starter is spot at one exchange, with one active API key, so futures and a second account need a higher plan.
The Bottom Line
Public is the pick when you will write the plan and let it run inside the brokerage, with no agent subscription and no commission on US-listed stocks and ETFs, and the wrong pick when you need a phone workflow.
Robinhood walls an agent you already pay for, and Webull previews the order and caps the size.
TradingView and Finviz are screens before anyone sends an order. Trade Ideas and TrendSpider put the model on a higher tier or a band. 3Commas is the crypto bot, and Kubera and Wealthfolio are ledgers you read before an agent trades.
This is general information, not a recommendation to buy a security. Cite this: Toolradar, "Best AI investing apps 2026", September 2026.
Frequently Asked Questions
What is the best AI investing app in 2026?
Public, if you want an agent inside the brokerage and you will write the plan yourself. Agents add no subscription, US-listed stocks and ETFs carry no commission on the September 17, 2026 fee schedule, and access is still a web waitlist, so a phone workflow should wait.
Choose Robinhood Agentic Trading when the agent must stay in one funded account. Choose Webull when every order should be previewed. Choose TradingView Essential, billed annually, when the job is a screen rather than an order.
How much do AI investing apps cost in 2026?
September 2026 list prices: Public, Robinhood, and Webull publish no separate agent subscription, so the brokerage schedule is the bill.
TradingView Essential is $12.95 per month billed annually, Plus is $29.95, and Premium is $59.95. Finviz Elite is $24.96 a month billed annually, or $39.50 month to month.
Trade Ideas Premium is $254 a month. TrendSpider Premium is a $29 trial for 14 days, then $99 to $149 a month. 3Commas Starter is $20 a month. Kubera Essentials is $250 a year. Wealthfolio's app is free, and Connect has no published price.
Is there a free AI investing app in 2026?
Wealthfolio's app is free, including the AI assistant, with no account required. Public's agents, Robinhood's Agentic account, and Webull's MCP connection add no extra subscription, but the brokerage schedule still applies, including Webull's $0.50 per contract on certain index options.
TradingView Basic and Finviz's registered plan are free and do not include the paid AI allowances. Trade Ideas does not put Holly on a free tier. The $127 Standard plan is the step before those signals.
How does Public compare with Robinhood and Webull?
Public builds the agent into the account, so you do not bring Claude or ChatGPT, and you also cannot rehearse the plan on past data before it goes live. Robinhood connects those outside agents and confines orders to the Agentic account, while the MCP can still read your other accounts.
Webull also connects an outside agent, then requires a preview and offers size caps, a symbol list, and a read-only mode. None of the three is a robo-advisor. Other brokerage apps in the catalog are listed on Public alternatives.
Is an AI investing agent the same as a robo-advisor?
No. Public's FAQ says a robo-advisor decides a model portfolio, and an Agent follows the plan you approved, without giving investment advice. If you want Public to manage the portfolio, Generated Assets is the advisory account, at 0.49% a year, which is a different product from Agents.
Robinhood's disclosures say you remain responsible for trades the agent places, including trades that run without a confirmation when you allowed that.
Is Trade Ideas or TrendSpider the better AI tool for stocks?
Trade Ideas Premium is the Holly signal product: real-time suggestions with entry and exit levels for premium clients, and the cheaper plan does not include those signals. It is an intraday stock tool, not a household portfolio.
TrendSpider is the chart and bot product. Premium is a paid 14-day trial and then a monthly band, with 10 bots and 25 Sidekick messages, rather than one seat. The side-by-side page is TradingView vs TrendSpider, which is the research pair, not the Holly pair.
Do I need Kubera or Wealthfolio if I already have a broker?
Yes, when the holdings are not all at that broker, because one login cannot see the rest. Kubera Essentials is the lower annual plan for one balance sheet an agent can read, and Black is the higher year when you need entities, nested portfolios, and Zoom onboarding.
Wealthfolio is the free local version of that job, with an AI assistant and MCP, and its Connect sync has no published price. Neither app replaces the broker that sends the order. Spending and bills still belong in the AI personal finance guide.
Cite this page: Toolradar, "Best AI Investing Apps in 2026", updated September 2026, https://toolradar.com/guides/best-ai-investing-apps
Sources
Prices and plan details on this page come from each vendor's own pricing page, re-checked by the Toolradar pricing tracker:
- Public pricing, checked
- Robinhood Agentic Trading pricing
- Webull pricing, checked
- TradingView pricing, checked
- Finviz pricing, checked
- Trade Ideas pricing, checked
- TrendSpider pricing, checked
- 3Commas pricing, checked
- Kubera pricing, checked
- Wealthfolio pricing, checked