PortfolioPilot review
A web-based portfolio planner with free analysis and paid AI, tax and advisory features.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
PortfolioPilot is a web-based portfolio analysis and financial planning product for self-directed investors who want a consolidated view of investments and other assets. It combines connected and manually entered accounts, including real estate and crypto, and provides allocation, diversification and concentration analysis alongside retirement and scenario planning. Its free plan makes it accessible for individuals who want a portfolio overview before paying for recommendations or more advanced analysis.
The free tier includes multi-asset net-worth tracking, retirement and scenario planning, portfolio assessment, and fund and stock discovery tools. Gold costs $20 per month with annual billing or $29 per month with monthly billing; it adds personalized investment recommendations, hidden-fee detection, tax-impact analysis and tax-saving opportunities, plus a limited AI assistant. Platinum is $49 per month billed annually or $99 monthly, adding fee optimization, tax-efficient distribution advice, an unlimited AI assistant, AI equity research and custom future simulations. Pro costs $99 per month billed annually or $149 monthly and adds a quarterly expert call, private-equity modeling, liquidity and cash-flow analysis, multi-user login and secure statement uploads. A 10-day free trial is offered, with no card required.
The product’s tax and portfolio tools are suited to investors who want to examine holdings, including lot-by-lot tax-loss-harvesting opportunities and HIFO, LIFO or FIFO tax-lot selection settings. Plaid, SnapTrade and Yodlee are listed integrations, and the product is available on the web. PortfolioPilot provides analytics and suggestions rather than executing trades or managing funds, so it is not a substitute for a service that directly handles investments. Individuals seeking analysis and planning may find the free or Gold tiers relevant; those needing expert calls or multi-user access would need Pro. Investors looking for trade execution should choose another product.
PortfolioPilot pros and cons
- Where it wins
- Free plan includes net-worth tracking, planning and portfolio assessment
- Analyzes allocation, diversification, exposure and concentration risk
- Paid tiers add tax-lot tools, fee analysis and AI features
- Where it doesn't
- Analytics and recommendations do not execute trades or manage funds
- Advanced features require paid plans, starting at $20/month billed annually
- Pro features such as expert calls and multi-user login sit at higher tiers
PortfolioPilot fact sheet, pricing and score →
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