Investing apps move money in. Advizmo manages all your finances.
Investing apps move money in. Advizmo manages all your finances.
1
1
Monitors your checking account
Monitors your checking account
Tracks income, bills, and spending to calculate exactly how much is safe to invest. Not a rough guess.
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2
Invests the right amount, automatically
Invests the right amount, automatically
Moves your surplus into a diversified portfolio automatically. Pulls cash back to checking if you're running short.
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3
Tax optimizes your portfolio year-round
Tax optimizes your portfolio year-round
Tax loss harvests, sells tax-optimally, and rebalances on every purchase. The stuff advisors charge 1% for.
YOUR MONEY IS PROTECTED
YOUR MONEY IS PROTECTED
The rich have financial advisors. Now you do too.
The rich have financial advisors. Now you do too.
Ask it anything about your money. It knows your portfolio, your tax situation, your cash flow, and your net worth. And unlike a human advisor, it's working for you automatically, around the clock.
Ask it anything about your money. It knows your portfolio, your tax situation, your cash flow, and your net worth. And unlike a human advisor, it's working for you automatically, around the clock.
Hypothetical illustration only. Not a guarantee of future results. The 7% figure represents approximate historical average annual returns for the U.S. stock market over long periods. Actual returns will vary and may be higher or lower. Investing involves risk, including loss of principal. Returns shown before fees and taxes.
Hypothetical illustration only. Not a guarantee of future results. The 7% figure represents approximate historical average annual returns for the U.S. stock market over long periods. Actual returns will vary and may be higher or lower. Investing involves risk, including loss of principal. Returns shown before fees and taxes.
Hear what our users have to say.
Real users are feeling confident about their finances, moving money out of 0% interest accounts into investments, and saving time.
I used to dread figuring out my finances every month. Now Advizmo does it for me and shows me better places for my money. I moved my extra cash out of checking where it was earning 0% interest and into better accounts.
A.R.
NY, NY
I used to leave too much money sitting in checking because I didn’t want to mess things up. Advizmo gave me the confidence to move money out of checking into high interest savings and other options. I am young, but I want to plan ahead for retirement.
L.R.
Austin, TX
I never really knew what to do with my money after payday. Advizmo helps me move it to better financial options, and now my money is working harder for me. It feels good to have my money working for me instead of the other way around.
D.R.
Gainesville, FL
Advizmo helped me automate making investments. I would never actually make investments because there were so many steps. Simple setup, clear insights, and real growth I can see.
A.C.
Boston, MA
I love how Advizmo invests automatically. It tells me what I need to invest, and then does it for me.
D.C.
San Diego, CA
I used to dread figuring out my finances every month. Now Advizmo does it for me and shows me better places for my money. I moved my extra cash out of checking where it was earning 0% interest and into better accounts.
A.R.
NY, NY
I used to leave too much money sitting in checking because I didn’t want to mess things up. Advizmo gave me the confidence to move money out of checking into high interest savings and other options. I am young, but I want to plan ahead for retirement.
L.R.
Austin, TX
I never really knew what to do with my money after payday. Advizmo helps me move it to better financial options, and now my money is working harder for me. It feels good to have my money working for me instead of the other way around.
D.R.
Gainesville, FL
Advizmo helped me automate making investments. I would never actually make investments because there were so many steps. Simple setup, clear insights, and real growth I can see.
A.C.
Boston, MA
I love how Advizmo invests automatically. It tells me what I need to invest, and then does it for me.
D.C.
San Diego, CA
Your checking account is the worst place to keep money you don't need in the next 30 days.
This money is not working for you. Every day those funds remain idle is a missed opportunity for growth.
Your checking account isn't designed to build wealth. But Advizmo changes that.
Your checking account isn't designed to build wealth. But Advizmo changes that.
Your checking account isn't designed to build wealth. But Advizmo changes that.
Before Advizmo
No automatic growth
-$200
Lost to inflation annually
Checking Account
$10,000 at 0% APY
After Advizmo
Your Money Working & Tax-optimized
$700
Earned annually
Auto-Invested
$10,000 auto-invested at 7% avg return
Hypothetical illustration only. Not a guarantee of future results. The 7% figure represents approximate historical average annual returns for the U.S. stock market over long periods. Actual returns will vary and may be higher or lower. Investing involves risk, including loss of principal. Returns shown before fees and taxes.
Your emergency savings are sitting idle. Here is a better option.
Advizmo moves your cash buffer into money market ETFs. One tap to pull back when you need it.
3.70% APY
3.70% APY
30-Day SEC Yield (as of Jan 22, 2026)
Grow your cash with a high-yield money market ETF
Grow your cash with a high-yield money market ETF
✓ TTM (Trailing Twelve Months) Yield: 4.09%
✓ $70.7B AUM
✓ 0.09% Expense Ratio
✓ Monthly Distributions
✓ TTM (Trailing Twelve Months) Yield: 4.09%
✓ $70.7B AUM
✓ 0.09% Expense Ratio
✓ Monthly Distributions
*As of January 22, 2026. Yields are variable and subject to change. Past performance does not guarantee future results. Not FDIC insured. ETFs are subject to market risk.
Build Your Safety Net Before You Invest
Advizmo helps you achieve your savings goals, then guides you toward smart investing, in that order.
Your Financial Readiness Without Advizmo
❌ "Do I have enough saved?"
❌ "Do I have enough saved?"
❌ "Do I have enough saved?"
❌ "Should I save or invest?"
❌ "Should I save or invest?"
❌ "Should I save or invest?"
❌ Accidentally spending safety net
❌ Accidentally spending safety net
❌ Accidentally spending safety net
How Advizmo Helps You Build Financial Security
✅ Clear emergency target you set
✅ Clear emergency target you set
✅ Clear emergency target you set
✅ We tell you when you're ready to invest
✅ We tell you when you're ready to invest
✅ We tell you when you're ready to invest
✅ Smart alerts when fund drops below target
✅ Smart alerts when fund drops below target
✅ Smart alerts when fund drops below target
Ask your AI financial advisor anything. Anytime.
Ask your AI financial advisor anything. Anytime.
Ask your AI financial advisor anything. Anytime.
Get instant, personalized answers based on your actual accounts, spending, and goals. Not generic advice: your data, your insights.
Get instant, personalized answers based on your actual accounts, spending, and goals. Not generic advice: your data, your insights.
PRICING
PRICING
Paycheck in. Portfolio growing. Automatically.
Start free. Then $3/mo. Or free forever with Auto-Invest.
Free Trial
Free Trial
Explorer
Explorer
Explorer
Try everything free for 30 days.
$0
for 30 days
Subscribe Directly
Subscribe Directly
AI Finance Assistant
AI Finance Assistant
AI Finance Assistant
No investment account needed to get started.
$3/mo
$15/mo
Limited time · locked in forever
Limited time · locked in forever
or $30/year · $99/yr
Invest $1,000+ in your auto-invest account and your $3/mo drops to $0.
What's included
✓ Detects idle cash every payday and tells you exactly how much to invest
✓ Detects idle cash every payday and tells you exactly how much to invest
✓ Monitors upcoming bills so you never overdraft
✓ Monitors upcoming bills so you never overdraft
✓ Alerts you before you miss a bill or run low
✓ Alerts you before you miss a bill or run low
✓ Recommends where and when to move money
✓ Recommends where and when to move money
✓ AI chat that knows your full financial picture
✓ AI chat that knows your full financial picture
Most popular
AI Auto-Investor
AI Auto-Investor
AI Auto-Investor
AI money manager + auto-invest.
Paycheck to portfolio. Fully automated.
$0
If you maintain $1,000+ in your auto-invest account.
0.25%/yr on assets under management advisory fee
What's included
✓ Everything AI Finance Assistant does
✓ Everything AI Finance Assistant does
✓ Automatically moves idle cash into your portfolio
✓ Automatically moves idle cash into your portfolio
✓ Pulls funds back before bills are due
✓ Pulls funds back before bills are due
✓ Expert-built portfolios in low-cost ETFs
✓ Expert-built portfolios in low-cost ETFs
✓ Daily tax-loss harvesting
✓ Daily tax-loss harvesting
✓ Tax-optimized selling and wash sale prevention
✓ Tax-optimized selling and wash sale prevention
✓ Auto rebalancing with every purchase
✓ Auto rebalancing with every purchase
✓ No minimums, no commissions
✓ No minimums, no commissions
SEC-Registered Investment Adviser
SEC-Registered Investment Adviser
Same 0.25% AUM as Wealthfront and Betterment, but better.
They stop at portfolio management. Advizmo automates the entire journey from paycheck to portfolio, and gives you smarter tax-optimized selling when you need your money back.
AI Money Manager
Full automation and advice. Manages your cash flow, investing, and taxes in one place.
Invests idle cash every payday
Identifies exactly how much is safe to invest after bills and automatically moves it. No manual deposits.
Pulls funds back when you're short
Monitors upcoming bills and automatically moves money back to checking before you run low.
Tax-optimized selling
When you need funds back, Advizmo sells in the most tax-efficient order, not just the easiest.
Bill monitoring and shortage alerts
Tracks every bill and flags you before you miss one or overdraft. Your robo-advisor doesn't do this.
AI advisor with your full picture
Ask anything, anytime. Advizmo's AI knows your accounts, bills, portfolio, and tax situation all at once.
Same rate. More automation. Smarter tax optimization.
We keep your money and information safe
We keep your money and information safe
✓ Bank level security
✓ 256-bit encryption
✓ Multi-factor authentication
✓ Strict internal access controls - no individual at Advizmo has access to your credentials
✓ We do not share your information with unaffiliated 3rd parties
✓ Bank level security
✓ 256-bit encryption
✓ Multi-factor authentication
✓ Strict internal access controls - no individual at Advizmo has access to your credentials
✓ We do not share your information with unaffiliated 3rd parties
Get Started in 5 Minutes
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1
Sign up and open your auto-invest account
Create your account and open a brokerage account with Interactive Brokers in one flow. Then securely link your accounts.
Open Your Free Auto-Invest Account
Open Free Account
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2
Set your savings target and checking cushion
Tell us your emergency fund goal and how much cushion to keep in checking. We auto-invest the rest.
Savings target
$2,000
Checking cushion
$500
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3
Set your investment preference
Choose your risk level. You can update this any time. We rebalance automatically.
Adjustable any time
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4
Watch It Work
Daily insights and smart alerts. We automatically harvest tax losses, avoid wash sales, and keep your checking on target.
Wealth building. Active results. Fully automated.
Expert-built portfolios
Low-cost ETFs matched to your risk level. Rotated automatically to keep your taxes optimized.
Low-cost ETFs matched to your risk level. Rotated automatically to keep your taxes optimized.
Conservative
Conservative
30/70 stocks / bonds
Example ETFs:
VTI
VTI
BND
BND
VOO
VOO
GOVT
GOVT
VXF
VXF
VCIT
VCIT
Rotates across 3 ETF pairs. Examples subject to change.
Moderate
Moderate
70/30 stocks / bonds
Example ETFs:
VTI
VTI
BND
BND
VOO
VOO
GOVT
GOVT
VXF
VXF
VCIT
VCIT
Rotates across 3 ETF pairs. Examples subject to change.
Aggressive
Aggressive
100% stocks
Example ETFs:
VOO
VOO
IJR
IJR
QQQM
QQQM
VOT
VOT
VTV
VTV
VBR
VBR
Rotates across 3 ETF pairs. Examples subject to change.
No wash sales between variants. Each pair uses ETFs from separate groups, keeping you invested through every harvest.
No wash sales between variants. Each pair uses ETFs from separate groups, keeping you invested through every harvest.
Only Advizmo does this
3-portfolio rotation for wash sale prevention
When we harvest a tax loss, we immediately rotate to an equivalent variant, keeping you invested while the 30-day wash sale window clears. Many advisors sit in cash.
Tax-first selling
We prioritize your tax savings, not just diversification
When selling, other robo-advisors optimize for portfolio balance. We optimize for your tax outcome first, selling highest-cost lots to minimize what you owe.
Frequently Asked Questions
Is Advizmo complex to use?
What are the costs?
How does automated rebalancing work?
What do you invest in?
How does Advizmo know how much is safe to invest?
How does Advizmo ensure that I don't overdraft?
How does the checking cushion work?
Can I withdraw funds anytime?
What is tax optimization?
How do I deposit funds?
Is my money safe?
Will Advizmo send me tax documents?
How does tax-loss harvesting actually save me money?
How does the savings target work?
Is Advizmo complex to use?
What are the costs?
How does automated rebalancing work?
What do you invest in?
How does Advizmo know how much is safe to invest?
How does Advizmo ensure that I don't overdraft?
How does the checking cushion work?
Can I withdraw funds anytime?
What is tax optimization?
How do I deposit funds?
Is my money safe?
Will Advizmo send me tax documents?
How does tax-loss harvesting actually save me money?
How does the savings target work?
Stop Losing Money in 0% Checking
Start capturing every opportunity for passive income while staying ahead of your bills.
Get actionable financial tips and product updates delivered to your inbox.
Get actionable financial tips and product updates delivered to your inbox.
Get actionable financial tips and product updates delivered to your inbox.
From Paycheck To Portfolio. Automatic.
Your Automated Personal Finance Assistant
✓ Capture every opportunity for growth.
✓ Never miss a bill payment.
✓ Daily analysis of all accounts.
Tax-Optimized Auto-Investing
✓ Maximize returns with expert portfolios.
✓ Minimize taxes on every trade.
✓ No commissions or hidden fees
You automate everything else. Why not your money?
Hypothetical illustration only. Not a guarantee of future results. The 7% figure represents approximate historical average annual returns for the U.S. stock market over long periods. Actual returns will vary and may be higher or lower. Investing involves risk, including loss of principal. Returns shown before fees and taxes.
3.70% APY
30-Day SEC Yield (as of Jan 22, 2026)
Grow your cash with a high-yield money market ETF
✓ TTM (Trailing Twelve Months) Yield: 4.09%
✓ $70.7B AUM
✓ 0.09% Expense Ratio
✓ Monthly Distributions
*As of January 22, 2026. Yields are variable and subject to change. Past performance does not guarantee future results. Not FDIC insured. ETFs are subject to market risk.