What is PortfolioGPT?
PortfolioGPT is an AI tool that drafts sample investment portfolios based on your amount, risk tolerance, timeframe and goals. It covers stocks, ETFs, real estate and crypto, and its site states that it is not a licensed financial adviser.
It works through a short form. You enter your amount, risk level, holding period and goal, and the AI returns a suggested allocation. The output is for education and idea generation. This page is not financial advice, and any investment can lose value.
Key Features
PortfolioGPT’s key features are a sample portfolio generator driven by four inputs, risk profiling, coverage of stocks, ETFs, real estate and crypto, three calculators, and Index and Sector tools with Yahoo! Finance data on paid plans.
- Portfolio GPT: Generates a sample allocation from four inputs: your amount, risk tolerance, timeframe and goals. The output is for education, not a recommendation to buy.
- Risk profiling: Ranges from conservative to aggressive, so you can see how the suggested mix changes as the risk level rises.
- Asset classes: Covers stocks, ETFs, real estate and crypto, according to the official site.
- Calculators: Includes retirement, interest and budgeting calculators on the Free plan as well as on paid plans.
- Specialist tools: Adds Index GPT and Sector GPT on paid plans. The site also lists Income GPT and Real Estate GPT, shown with a Q3-25 label.
- Market data: Uses Yahoo! Finance data and backtesting on paid plans. The Free plan lists a model with a June 2024 data cutoff.
- Newsletters: Sends a weekly financial markets newsletter, with additional newsletters listed on paid plans.
Pros
PortfolioGPT’s main advantages are its low price of $3 a month or $27 a year, a Free plan with five daily credits, a quick input form and plain statements that it is not a financial adviser.
- Low price: Costs $3 a month, or $27 a year on the Annual plan, which the site shows as 25% off the $36 monthly total.
- Free plan: Gives five credits a day with ads, covering Portfolio GPT and the three calculators, so you can try it without a card.
- Bundle for households: Covers two or more users for $50 a year on the Bundle plan, which the site aims at families and small businesses.
- Quick to use: Needs only four inputs and returns a draft allocation in seconds, which makes it easy to compare risk levels.
- Clear disclaimers: States that it is not a licensed financial adviser and that its output is for educational purposes only.
Cons
PortfolioGPT’s main drawbacks are that it is not regulated advice, the Free plan uses data with a June 2024 cutoff, it offers no refunds, it has no brokerage connection and support is by email only.
- Not regulated advice: Produces AI suggestions that ignore your full finances, taxes and obligations. Nothing it returns is financial advice, and any investment can lose value.
- Dated free model: Lists GPT 4.1-mini with a June 2024 data cutoff on the Free plan, so free results do not reflect recent market conditions.
- No refunds: States that it does not offer refunds for any of its service, so test the Free plan before paying for a year.
- No brokerage link: Connects to no broker or bank that we could confirm. You place any trades elsewhere and enter your figures by hand.
- Ads on the Free plan: Funds the Free plan with advertising and limits it to five credits a day.
- Email support only: Offers support by email, with priority email on paid plans. No live chat or phone line is listed.
Who is Using PortfolioGPT?
- Beginner investors: Learn how allocations are structured.
- DIY investors: Get a second view on an existing plan.
- Students: Explore how risk levels change a portfolio.
- Savers: Use the retirement and budgeting calculators.
Pricing
PortfolioGPT has a free plan, and paid plans start at $3 per month (official prices, October 2026).
| Plan | Price | What you get |
|---|---|---|
| Free | $0 | 5 daily credits, ad-sponsored, Portfolio GPT, three calculators, email support |
| Monthly | $3 / month | Unlimited credits, all GPT tools, Yahoo! Finance data, backtesting, priority email support |
| Annual | $27 / year | Same features as Monthly at a 25% discount |
| Bundle | $50 / year for 2 or more users | Same features as Annual |
Disclaimer: Pricing can change. Check the official PortfolioGPT website. The site states that it offers no refunds.
What Makes PortfolioGPT Unique?
PortfolioGPT stands out for its narrow focus and low price. It turns four plain inputs into a draft allocation and adds index, sector, income and property tools for a few dollars a month.
Compatibilities and Integrations
- Platform: Web app at portfoliogpt.xyz.
- Mobile: Responsive site; no dedicated app is mentioned.
- Data source: Yahoo! Finance on paid plans.
- Brokers and API: None confirmed.
PortfolioGPT Tutorials
You can learn how to use PortfolioGPT in a few minutes:
- Open portfoliogpt.xyz and choose the Portfolio GPT tool.
- Enter your amount, risk level, timeframe and goal.
- Read the suggested allocation and the reasoning behind it.
- Research every holding yourself, or with a qualified adviser, before investing.
How We Rated It
| Criterion | Score | Why |
|---|---|---|
| Accuracy and Reliability | 3.5/5 | AI suggestions, not advice |
| Ease of Use | 4.4/5 | Short input form |
| Functionality and Features | 3.9/5 | Portfolios and calculators |
| Performance and Speed | 4.2/5 | Results in seconds |
| Customization and Flexibility | 3.8/5 | Risk, goals and timeframe |
| Data Privacy and Security | 3.7/5 | States data is encrypted |
| Support and Resources | 3.5/5 | Email support only |
| Cost-Efficiency | 4.3/5 | Low price, no refunds |
| Integration Capabilities | 3.0/5 | No broker connections |
| Overall Score | 3.8/5 | Average of the nine criteria |
Summary
PortfolioGPT is a cheap, quick way to see how a portfolio might be built for a given risk level. Use it to learn and to prepare questions, not to make decisions. Its suggestions are AI-generated, markets carry risk, and there are no refunds, so test the Free plan first and consult a certified adviser before investing.
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