kitio.aiReflexivity vs Surmount
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Reflexivity starts at See pricing page and Surmount starts at See pricing page. Check both pricing pages for current plans.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- Deep research agents
- Knowledge graph
- Scenario analysis
- SEC filing analysis
- Portfolio insights
- Smart screening
- Strategy marketplace
- No-code and code builders
- AI strategy builder
- Paper trading
- Automated trade execution
- Tax harvesting
| Feature | Reflexivity | Surmount |
|---|---|---|
| Best for | Investment research platform for institutions with explainable AI | Automated investing with data-driven strategies and an AI strategy builder |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Paid | Freemium |
| Starting price | See pricing page | See pricing page |
| Free plan | No | Yes |
| Made by | Reflexivity | Surmount |
| Based in | – | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Reflexivity starts at See pricing page and Surmount starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
3 plans
Core
$5/mo
- Free strategy templates
- Paper trading
- 1 external account
Plus
$10/mo
- No-code strategy builders
- Up to 3 external accounts
Pro
$30/mo
- All builders including AI and code
- Unlimited connected accounts
Prices in USD, checked Oct 29, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Reflexivity
- Data licenses bundled in
- Explainable AI outputs
- Covers research to portfolio monitoring
- Institutional focus; no individual plan
- No public pricing
- Demo required to try it
Surmount
- Works with your existing brokerage accounts
- Paper trading to test strategies
- Several ways to build a strategy
- AI and code builders need the Pro plan
- Investing involves risk of loss
- Free tier details are limited
Which one should you choose?
Choose Reflexivity if you want:
- Data licenses bundled in
- Explainable AI outputs
- Covers research to portfolio monitoring
Watch out: institutional focus; no individual plan.
Choose Surmount if you want:
- Works with your existing brokerage accounts
- Paper trading to test strategies
- Several ways to build a strategy
Watch out: ai and code builders need the pro plan.
Reflexivity vs Surmount FAQ
What is the difference between Reflexivity and Surmount?
Reflexivity: Investment research platform for institutions with explainable AI. Surmount: Automated investing with data-driven strategies and an AI strategy builder. Both are legal, finance & hr tools.
Is Reflexivity or Surmount cheaper?
Reflexivity starts at See pricing page and Surmount starts at See pricing page. Check both pricing pages for current plans.
Do Reflexivity and Surmount have free plans?
Reflexivity: No. Surmount: Yes.
Who makes Reflexivity?
Reflexivity is made by Reflexivity.
Who makes Surmount?
Surmount is made by Surmount.
Which should I choose, Reflexivity or Surmount?
Choose Reflexivity if you value data licenses bundled in and explainable ai outputs. Choose Surmount if you value works with your existing brokerage accounts and paper trading to test strategies.