PortfolioGPT
FreemiumAI portfolio generator for personalized investment strategies in seconds.
By Tanmay Verma, Founder · Last verified 27 May 2026
3.7k views
Added 4/11/2026
80/100Safe BetAI portfolio generator for personalized investment strategies in seconds.
By Tanmay Verma, Founder · Last verified 27 May 2026
Affiliate disclosure: We earn a commission when you use our links. Editorial picks are independent. How we choose.
PortfolioGPT is a solid choice for beginner investors wanting quick, customizable portfolio ideas. The free tier is great for exploration, but advanced users may find the lack of real-time data and direct execution limiting. For low-cost portfolio exploration, it competes well with tools like Personal Capital or free offerings from robo-advisors, though it lacks brokerage integration. Paid plans are cheap enough to experiment without big commitment.
Last verified: May 2026
PortfolioGPT shines in simplicity and speed: you can generate a diversified portfolio in seconds by entering a few parameters. The interface is clean and intuitive. The recent additions of Index GPT and Sector GPT expand the tool's capability to cover global indices and sector-focused strategies, and the upcoming Real Estate GPT shows ambition. The pricing is extremely affordable—$3/month or $27/year for unlimited credits—making it a low-risk educational tool. However, the AI model has a knowledge cutoff in June 2024, so it may not reflect very recent market events. The free tier limits you to 5 daily credits and is ad-sponsored. There is no API or brokerage integration, no mobile app, and asset classes are limited to stocks/ETFs, real estate, and crypto (no bonds, commodities, international, or options). It's best suited for learning and initial exploration rather than active portfolio management.
Skip PortfolioGPT if Skip PortfolioGPT if you need real-time market data, brokerage integration, or professional financial advice.
How likely is PortfolioGPT to still be operational in 12 months? Based on 6 signals including funding, development activity, and platform risk.
PortfolioGPT is an AI-powered portfolio generator that creates personalized investment portfolios based on your risk tolerance, investment amount, time horizon, and financial goals. Designed for both novice and experienced investors, it simplifies the investment process by providing instant, actionable portfolio suggestions. Simply input your preferences, and the AI handles the rest, delivering optimized portfolios in seconds. The tool uses GPT-4.1-mini (June 2024 cutoff) and offers features like AI-powered portfolio generation, personalized risk profiling, instant suggestions, and calculators for retirement, interest, and budgeting. Starting from a free tier with 5 daily credits to paid plans starting at $3/month for unlimited credits, PortfolioGPT aims to make smart investing accessible. While not a licensed financial advisor, it provides educational insights and portfolio ideas. Unlike traditional robo-advisors, it offers a more hands-on, customizable experience with AI flexibility, but lacks direct brokerage integration or regulatory oversight.
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Concrete scenarios for the personas PortfolioGPT actually fits — and what changes day-one when you adopt it.
Enters $500, chooses moderate risk, 5-year horizon, prefers stocks/ETFs
Outcome: In seconds, receives a portfolio recommendation with tickers and percentages, along with educational context
Uses retirement calculator to estimate needs, then generates a portfolio with conservative risk and real estate focus via Real Estate GPT
Outcome: Gets a retirement income estimate and a suggested asset allocation that they can bring to their financial advisor
Selects Sector GPT, chooses 'Technology and Healthcare', aggressive risk, $10,000 for 10 years
Outcome: Receives a sector-specific portfolio with backtested performance and forward guidance
The tool uses GPT-4.1-mini with a June 2024 data cutoff, so it may not reflect very recent market conditions. It does not integrate with brokerages for direct execution. The free plan is ad-sponsored and limits you to 5 daily credits. No API access is mentioned. Asset classes are limited to stocks/ETFs, real estate, and crypto—no bonds, commodities, or options. The tool is for educational and planning purposes, not financial advice.
Project the real annual outlay, including the implied monthly cost when only an annual tier is published.
Vendor list price only. Add-on usage, seat overages, and contract minimums are surfaced under Hidden costs & gotchas.
For each published PortfolioGPT tier: who it actually fits, and what it adds vs. the previous tier. Cross-reference the cost calculator above for projected annual outlay.
Free
$0/mo
Monthly
$3/mo
Annual
$27/yr
Bundle
$50/yr per user (2+ users)
Ideal for
Small families, couples, or small business teams who want multiple accounts with a 30% discount.
What this tier adds
2+ user annual plan at $50/year per user (30% off) with same features as Annual.
The company stage and team size where PortfolioGPT's pricing actually pencils out — and where peers do it cheaper.
At $3/month or $27/year for unlimited credits, PortfolioGPT is one of the cheapest AI portfolio generators available—less than a coffee. The free tier with 5 daily credits is sufficient for casual exploration. Competitors like robo-advisors (Betterment, Wealthfront) charge 0.25% AUM which can be pricier for larger portfolios, but they offer automated investing. For pure idea generation, PortfolioGPT is a bargain.
How long it actually takes to get something useful out of PortfolioGPT — broken out by persona, not the marketing-page minute.
Signing up takes less than a minute—no credit card required. Once logged in, you can generate your first portfolio in under 10 seconds by entering your investment amount, risk tolerance, and goal. No tutorials needed; the UI is self-explanatory.
How to bring data in from common predecessors and how to get it back out — written for the switcher, not the buyer.
Pricing, brand, ownership, or deprecation changes worth knowing before you commit. Most-recent first.
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