Best robo-advisor
3 models · updated 2026-07-07
The verdict
Wealthfront leads — 2 of 3 models rank Wealthfront the top pick.
Not unanimous: ChatGPT picks Betterment.
As of 2026-07-07, ChatGPT, Claude and Gemini collectively rank Wealthfront #1 for robo-advisor on ModelsAgree by aggregate score. The models' case: Best-in-class automation with daily tax-loss harvesting, direct indexing on larger balances, a competitive high-yield cash account, and the Path planning tool — all at a. The models' main caveat: Add access to human financial advisors (it remains purely digital), which is the main reason hands-on investors pick rivals. The strongest alternative is Betterment — Best overall mix of low 0.25% pricing, tax-loss harvesting, strong goal planning, broad account support, portfolio customization, cash tools, and. Not unanimous: ChatGPT picks Betterment. Source: https://modelsagree.com/best/best-robo-advisor (modelsagree.com, CC BY 4.0).
Combined ranking
- 1GPT #2Claude #1Gemini #1
Best-in-class automation with daily tax-loss harvesting, direct indexing on larger balances, a competitive high-yield cash account, and the Path planning tool — all at a flat 0.25% fee with a low entry minimum.
+ model takes & fixes− hide details
Claude Best-in-class automation with daily tax-loss harvesting, direct indexing on larger balances, a competitive high-yield cash account, and the Path planning tool — all at a flat 0.25% fee with a low entry minimum.
Gemini Industry-leading tax-loss harvesting, a low 0.25% flat advisory fee, seamless cash account integration, and advanced portfolio customization options.
GPT Best digital-only platform for hands-off investors who still want powerful planning, tax-loss harvesting, direct indexing, portfolio customization, high-yield cash, and a clean app
Where it falls shortper GPT Add access to human financial advisors
per Claude Add access to human financial advisors (it remains purely digital), which is the main reason hands-on investors pick rivals.
per Gemini Offer access to human financial planners for complex investing questions.
- 2GPT #1Claude #2Gemini #2
Best overall mix of low 0.25% pricing, tax-loss harvesting, strong goal planning, broad account support, portfolio customization, cash tools, and optional CFP access
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GPT Best overall mix of low 0.25% pricing, tax-loss harvesting, strong goal planning, broad account support, portfolio customization, cash tools, and optional CFP access
Claude Cleanest goal-based UX, automatic rebalancing and tax coordination across accounts, flexible portfolio options (socially responsible, income), and an optional Premium tier with CFP access.
Gemini Best-in-class goal-oriented planning tools, robust automated tax-loss harvesting, and a low barrier to entry with no account minimum.
Where it falls shortper GPT Make the small-balance pricing less punitive
per Claude Lower its 0.25% (and $4/mo small-balance) pricing or sharpen returns versus Vanguard/Schwab to justify the cost for fee-sensitive investors.
per Gemini Remove the flat monthly fee on small accounts and lower the 0.65% fee on the premium tier.
- 3GPT #3Claude #3Gemini #4
Extremely low all-in advisory cost, $100 minimum, Vanguard index-fund discipline, retirement focus, and strong fit for long-term buy-and-hold investors
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GPT Extremely low all-in advisory cost, $100 minimum, Vanguard index-fund discipline, retirement focus, and strong fit for long-term buy-and-hold investors
Claude Rock-bottom ~0.15% all-in cost using Vanguard's own low-expense index funds, trusted fiduciary brand, and solid automatic rebalancing for buy-and-hold investors.
Gemini Extremely low advisory fee of roughly 0.15%, highly accessible $100 minimum, and reliable Vanguard index portfolios.
Where it falls shortper GPT Add more portfolio customization and richer taxable-account tax tools
per Claude Add real tax-loss harvesting and a more modern, feature-rich app to match Wealthfront/Betterment's automation depth.
per Gemini Introduce automated tax-loss harvesting for taxable accounts.
- 4GPT #4Claude #5Gemini #3
No advisory fees for balances under $25,000, zero-expense-ratio underlying Flex funds, and free access to live coaching for larger balances.
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Gemini No advisory fees for balances under $25,000, zero-expense-ratio underlying Flex funds, and free access to live coaching for larger balances.
GPT Excellent for newer investors because balances under $25,000 have no advisory fee, Fidelity Flex funds have no expense ratios, and coaching becomes available at higher balances
Claude Free for balances under $25k, low 0.35% above that with zero-expense-ratio Fidelity Flex funds, no separate fund fees, and seamless integration with Fidelity's strong brokerage.
Where it falls shortper GPT Add tax-loss harvesting and more portfolio choice
per Claude Introduce tax-loss harvesting and tax-aware management, which it still lacks versus every higher-ranked peer.
per Gemini Reduce the 0.35% advisory fee applied to balances of $25,000 and above.
- 5GPT #5Claude #4Gemini #5
No advisory fee at all, broad ETF diversification, automatic rebalancing, free tax-loss harvesting above $50k, and access to Schwab's full brokerage ecosystem and branches.
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Claude No advisory fee at all, broad ETF diversification, automatic rebalancing, free tax-loss harvesting above $50k, and access to Schwab's full brokerage ecosystem and branches.
GPT No advisory fee, strong ETF diversification, automatic rebalancing, tax-loss harvesting at eligible balances, and backing from a major brokerage
Gemini Zero advisory or management fees, automatic rebalancing, and 24/7 customer support backed by a top brokerage.
Where it falls shortper GPT Reduce the required cash allocation that can create performance drag
per Claude Cut the large mandatory cash allocation that creates return-dragging "cash drag," and drop the steep $25k minimum.
per Gemini Eliminate the mandatory cash allocation that creates a drag on overall portfolio returns.
Just missed the top 5
GPT SoFi Robo Investing — low minimum, simple portfolios, and planner access are attractive, but the newer 0.25% fee and thinner tax features keep it out · Merrill Guided Investing — strong Bank of America/Merrill ecosystem and human oversight, but higher fees and less customization make it weaker value
Claude SoFi Automated Investing — low cost and free CFP access, but a thinner track record and shallower tax features keep it just outside · M1 Finance — excellent customization with "Pies," but it's more a self-directed automation tool than a true advice-driven robo-advisor
Gemini ETRADE Core Portfolios — missed the top 5 due to its higher 0.30% advisory fee and $500 minimum · Merrill Guided Investing — missed due to its high 0.45% advisory fee and $1,000 minimum
By model
ChatGPT
- 1.Betterment
- 2.Wealthfront
- 3.Vanguard Digital Advisor
- 4.Fidelity Go
- 5.Schwab Intelligent Portfolios
Claude
- 1.Wealthfront
- 2.Betterment
- 3.Vanguard Digital Advisor
- 4.Schwab Intelligent Portfolios
- 5.Fidelity Go
Gemini
- 1.Wealthfront
- 2.Betterment
- 3.Fidelity Go
- 4.Vanguard Digital Advisor
- 5.Schwab Intelligent Portfolios
Common questions
What is the best robo-advisor according to AI models?
Wealthfront leads. 2 of 3 models rank Wealthfront the top pick. The current top 3: Wealthfront, Betterment, Vanguard Digital Advisor. Ranked by asking ChatGPT, Claude, Gemini the same buying question and merging their top-5 picks, updated 2026-07-07. Source: modelsagree.com.
Which robo-advisor did each AI model pick first?
ChatGPT: Betterment. Claude: Wealthfront. Gemini: Wealthfront.
Do the AI models agree on the best robo-advisor?
Not unanimous. ChatGPT picks Betterment.
How is this robo-advisor ranking made?
ChatGPT, Claude, Gemini are each asked the same buying question in a fresh session with no system steering. Their top-5 answers are merged (rank 1 = 5 pts … rank 5 = 1 pt) into the consensus ranking, re-polled on demand and tracked over time.
More on how polling works: full methodology →
Cite this ranking
ModelsAgree, “Best robo-advisor” — merged ranking from ChatGPT, Claude, Gemini & Grok, polled 2026-07-07. https://modelsagree.com/best/best-robo-advisor (CC BY 4.0)
Tracked by ModelsAgree · rank 1 = 5 pts … rank 5 = 1 pt · re-polled on demand