7 Best AI Investing Apps 2023 (50 Software Tools Ranked)

by Chris Von Wilpert • Last updated August 4, 2023

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Today there are 68 different AI investing apps. We spent 125 hours comparing the top 50 to find the seven best you can use to leverage AI for data-driven investing.

What is the Best AI Investing App?

  1. Betterment — best of the best
  2. Bitsgap — best for crypto
  3. AxonJay — best for private equity investors
  4. Acorns — best for beginner investors
  5. Schwab Intelligent Portfolios — best for automated investing
  6. Wealthsimple — best for collecting interest
  7. Ally Invest Managed Portfolios — best for portfolio customization

Our Verdict — Best Of The Best

Price: Starts at $4/month

Betterment is a state-of-the-art AI app you can use to automate your investments. We think it’s the best because of its expert-built portfolios, auto-adjust feature, and reinvestment feature.

The Best Part:

  • It's incredibly adaptive. The "Auto-adjust allocation" feature in Betterment can be fine-tuned to match your investment goals and timeline, no matter how complex or simple they may seem to be. Betterment automatically recalibrates your portfolio risk levels as you approach the end date of your goal.

The Worst Part:

  • No direct indexing. One potential downside is that Betterment doesn't offer direct indexing, which is a bummer for those who want to use advanced tax-saving strategies in their investment approach.

Get it if you want an automated system that takes care of everything, from asset allocation to portfolio rebalancing.

I recommend you get started with the Investing plan for $4/month.

(free account)

Best For

Betterment is best for busy investors who want to have AI manage their investments automatically to maximize results.

Top Features

  • Invest in expert-built portfolios. With Betterment, you get to invest like a pro without the fuss of picking individual stocks. Their experts craft diversified portfolios using low-cost ETFs that align with your goals.

  • Pay less taxes. Betterment uses strategies such as Tax Loss Harvesting and Asset Location to help you lose less of your hard earned money to taxes — it's like having an AI tax consultant!

  • Ongoing optimization. Betterment continually monitors your investments, rebalances your portfolio, and reinvests dividends for you — talk about AI investing for you!

  • Goes beyond retirement planning. While many apps focus on retirement savings alone, Betterment recognizes there’s more to life than just retiring comfortably — be it saving for education expenses or even funding your honeymoon.

  • Keep a clear head. Betterment is as transparent as they come. There are no hidden charges or sneaky upsells. Choose between a 0.25% annual fee or a mere $4 monthly fee, and get access to a complete set of AI features that will make your investments sizzle.


Betterment offers four pricing plans:

  • Investing: $4/month or 0.25% with a $20k+ balance, for individuals who want to build wealth through expert-built stock and bond portfolios, with advanced tax-saving tools and AI-powered automation features.
  • Crypto: 1% plus trading expenses, for individuals who want to invest in a diversified crypto portfolio including Bitcoin and Ethereum, with in-app risk advice and automatic rebalancing.
  • Cash Reserve: Free forever, for individuals who want to increase their savings via a high-yield cash account that provides an APY of 4.50%, up to $2 million FDIC insurance across program banks, and the convenience of unlimited transfers.
  • Checking: Free forever, for everyday spenders who want a convenient solution equipped with perks like zero ATM fees, FDIC coverage up to $250K, and opportunities to earn cash back rewards on spending.

Try Betterment today with a free account.

Our Verdict — Best For Crypto

Price: Starts at $29/month

Bitsgap is where AI and crypto trading meet. We think it’s the best for crypto because of its automated trading bots, algorithmic orders, and efficient portfolio management features.

The Best Part:

  • Robust trading bots. Bitsgap’s trading bots work around the clock to capitalize on every market move, so you never miss an opportunity to profit — even when you're sleeping like a log. 

The Worst Part:

  • The price tag. Starting at $29/month, Bitsgap’s prices might be a bit steep for those trading on a budget.

Get it if you want a comprehensive AI investing app that takes the guesswork out of crypto trading.

I recommend you get started with a 7-day free trial, then get the Basic plan for $29/month.

(7-day free trial)

Best For

Bitsgap is best for individuals looking for a smarter, more automated approach to crypto trading.

Top Features

  • Makes you money on your sleep. With Bitsgap's fully automated trading bots, you can profit from every market move 24/7 without lifting a finger. Whether it's day or night, your bot is always on the job trading for you!

  • Eliminate emotions from the game. Customize your trading bot settings to your preferences, and stay true to your investing profile.

  • Controls risk/reward ratio. The platform provides additional tools like Stop Loss, Take Profit, and smart orders, providing you with full control over your risk/reward ratio

  • Try before you buy. Not sure if it's right for you? Take advantage of Bitsgap’s 7-day free trial and free demo mode, and test it out without spending a dime.

  • Unify your crypto exchanges. No need to juggle between Binance, Coinbase, and Kraken — Bitsgap integrates with all of them and allows instant switching between exchanges in an easy-to-use unified interface.


Bitsgap offers three pricing plans:

  • Basic: $29/month for those new to crypto trading, with the ability to manage 2 active GRID bots and unlimited smart orders.
  • Advanced: $69/month for more seasoned traders offering futures bots and trailing up & down features, on top of Basic plan offerings. 
  • Pro: $149/month for professional investors who want to have advanced control over their trades with added benefits like Take Profit for bots.

Annual plans provide a 20% discount.

Try Bitsgap today with a free 7-day trial.

Our Verdict — Best For Private Equity Investors

Price: €1,194/six months

AxonJay is like an AI rocketship for private equity investments. We think it’s the best for private equity investors because of its real-time monitoring capabilities, personalized AI-assistant, and predictive technology.

The Best Part:

  • Real-time monitoring. AxonJay keeps you in the loop with daily updates on your chosen private funds and fund managers. This means you're always one step ahead of the game when it comes to making informed investment decisions.

The Worst Part:

  • Slightly overwhelming at first. The amount of information provided by AxonJay can feel overwhelming until you learn your way around it.

Get it if you want real-time insights into global private funds and fund manager activities to make timely and smart investment decisions.

I recommend you book a free demo with AxonJay’s team, then get their AI-Private Fund Assistant for €1,194/six months.

(free demo)

Best For

AxonJay is best for savvy investors who want up-to-the-minute info about global private funds.

Top Features

  • Predict fund behavior. Imagine being able to foresee market trends before they happen? That’s exactly what AxonJay’s AI does for you.

  • Covers global markets. Surf the best deals and opportunities around the world thanks to AxonJay’s global coverage and data.

  • Trustworthy data sources. AxonJay sources all of its data from official channels, with a complete digital business ecosystem.

  • Monitor mergers and acquisitions. Visualize being in the heart of Wall Street, tracking every major move. AxonJay brings this experience to your fingertips with its M&A monitoring feature.

  • Access extensive information on fund managers. AxonJay provides insights into around 60K fund managers. It’s like having a backstage pass to the world's top financial experts.


AxonJay offers a single pricing plan:

  • AI-Private Fund Assistant: €1,194/six months per user, for private equity investors who want to stay ahead of the curve with real-time monitoring and AI predictions for investment opportunities around the world.

Try AxonJay today with a free demo.

Our Top Three Picks

Here’s a quick summary of our top three picks:

  1. Betterment — best of the best
  2. Bitsgap — best for crypto
  3. AxonJay — best for private equity investors

Here’s a quick comparison of our top seven picks:


Entry Offer



Free account

Starts at $4/mo


7-day free trial

Starts at $29/mo


Free demo

€1,194/six months


Free account

Starts at $3/mo

Charles Schwab Intelligent Portfolios

Free demo

Starts at $30/mo


Free account

Starts at $10/mo

Ally Invest Managed Portfolios

90-day satisfaction guarantee

$100 minimum investment

Here are the top 50 best AI investing apps we considered in this review:

  1. Betterment
  2. Bitsgap
  3. AxonJay
  4. Acorns
  5. Charles Schwab Intelligent Portfolios
  6. Wealthsimple
  7. Ally Invest Managed Portfolios
  8. SigFig Wealth Management
  9. Ellevest
  10. Fidelity Go
  11. Intelligent Portfolios by UBS
  12. M1 Finance
  13. Q.ai
  14. Robinhood
  15. Stash
  16. SoFi Invest
  17. Trade Ideas
  18. TrendSpider
  19. Wealthfront
  20. Personal Capital
  21. FutureAdvisor
  22. Invstr
  23. Motif
  24. TD Ameritrade Essential Portfolios
  25. Zacks Advantage
  26. E*TRADE Core Portfolios
  27. J.P. Morgan Self-Directed Investing
  28. Blooom
  29. Nutmeg
  30. T. Rowe Price ActivePlus Portfolios
  31. Swell Investing
  32. WiseBanyan
  33. Twine
  34. MoneyLion
  35. Fundrise
  36. OpenInvest
  37. Rebalance IRA
  38. Stockpile
  39. Hedgeable
  40. Invesco QQQ
  41. GuidedChoice
  42. Clink
  43. Axos Invest
  44. WizeFi
  45. StockTwits
  46. Titan Invest
  47. Raiz
  48. Oval Money
  49. Plum
  50. Yolt

What is the app that uses AI to invest money?

Several investing platforms use artificial intelligence (AI) to assist investors in their decision-making processes and to make the investment experience more seamless. One prime example is Betterment. As an AI-powered investing app, Betterment uses advanced algorithms to automatically manage an investor's portfolio based on personalized investment advice. The AI takes into account factors such as the user's financial goals, risk tolerance, and financial situation to make informed investment decisions. The platform provides a wide range of investment options, including individual stocks, exchange-traded funds, and mutual funds, among others. Betterment's intuitive interface provides investors with real-time market data, thus enabling them to make informed decisions. Betterment is an effective and powerful tool, leveraging artificial intelligence algorithms to facilitate responsible investing and help investors achieve their investment objectives while considering their investment costs.

Can I use AI to invest in stocks?

Yes, AI can be effectively used to invest in stocks. A platform that exemplifies this is Schwab Intelligent Portfolios. This investment software uses AI algorithms to construct and manage an investor's portfolio. With its advanced features, it takes into account the individual's investment goals, risk tolerance, and current financial situation to make investment recommendations. By using machine learning techniques, this platform analyzes historical market data and real-time market conditions to identify profitable trades and generate real-time alerts. The use of AI in stock investment also allows the app to automatically rebalance your portfolio in response to market changes, keeping your investment strategy on track.

Can AI really predict stock market?

While no system can perfectly predict the stock market, AI systems like Bettermint can significantly enhance forecast accuracy. Bettermint uses AI and machine learning techniques to analyze vast amounts of historical price data and current market conditions. The system then predicts price movements and provides real-time alerts about potential trades. This approach gives investors a strategic advantage in making informed trading decisions and trade automatically.

Are AI trading bots worth it?

AI trading bots have increasingly become a staple of modern investment strategy due to the vast amounts of data they can process and the sophisticated strategies they can employ. They're designed to work with advanced algorithms, some leveraging artificial intelligence and machine learning techniques to interpret real-time data, analyze historical market conditions, and make informed trading decisions based on these inputs.

AI trading bots can be particularly useful for active traders, including Day Traders and Swing Traders, as they're capable of monitoring a wide range of financial markets simultaneously and executing trades at a speed and precision that far exceed human capabilities. This results in maximizing trading opportunities and potentially delivering profitable trades.

These bots can provide real-time alerts for potential trades based on predetermined criteria, such as price movement or other technical indicators, thus giving investors an edge over the ever-fluctuating market conditions. This can be especially beneficial in volatile markets where the price action can change rapidly.

The use of AI and machine learning also enables these bots to learn from their trades, enhancing future performance and gradually refining their trading strategies. This element of continuous learning and adaptation is a powerful tool, particularly in the ever-changing landscape of the stock market.

Are AI auto trading bots legit?

Yes, AI auto trading bots are legitimate tools that many investors use to assist with their trading strategy, and Betterment is a prime example.

Betterment employs AI algorithms in their auto trading bots to manage portfolios effectively. This advanced technology is designed to make informed trading decisions based on a wide range of factors, such as market conditions, financial goals, and an individual's risk tolerance. This is achieved by constantly analyzing real-time market data and utilizing machine learning techniques to anticipate market trends and manage assets under management efficiently.

Betterment's AI auto trading bot offers a range of investment options from individual stocks to mutual funds and ETFs (exchange-traded funds), which are selected based on the investor's unique financial situation and investment objectives. The bot also automatically rebalances portfolios in response to market changes and provides real-time alerts about potential trades, helping investors stay aligned with their investment strategy.

The Bottom Line

To recap, here are the best AI investing apps to try this year:

  1. Betterment — best of the best
  2. Bitsgap — best for crypto
  3. AxonJay — best for private equity investors
  4. Acorns — best for beginner investors
  5. Schwab Intelligent Portfolios — best for automated investing
  6. Wealthsimple — best for collecting interest
  7. Ally Invest Managed Portfolios — best for portfolio customization

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