kitio.aiStash vs 13F.chat
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Stash has the lower starting price: about $12 a month, against $30 for 13F.chat.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- AI Money Coach
- Personalised investment plan
- Managed Smart Portfolio
- Fractional stocks and ETFs
- Retirement accounts with match
- Stock-Back rewards card
- 13F holdings tracking
- AI chat on filings
- Fund analysis
- Multi-manager comparison
- Daily research reports
| Feature | Stash | 13F.chat |
|---|---|---|
| Best for | Investing app with an AI money coach and managed portfolios | AI copilot for researching fund managers' 13F holdings |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Free trial | Freemium |
| Starting price | $12/mo | $30/mo |
| Free plan | No, 7-day trial | Yes |
| Made by | Stash Financial | 13F.chat |
| Based in | United States | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Stash has the lower starting price: about $12 a month, against $30 for 13F.chat.
Free plan
Cheapest paid plan
Top plan
Free trial
1 plan
Stash Plan
$12/mo
- Investing and retirement accounts
- AI Money Coach
- 3% retirement match
- $10,000 life insurance
3 plans
Free
Free
- 2 AI chats per day
- 1 fund analysis per day
- Static research reports
Plus
$30/mo
- 3,000 credits per month
- 50 AI chats per day
- Email support
Pro
$90/mo
- 12,000 credits per month
- Unlimited chat and fund analysis
- Priority email support
Prices in USD, checked Nov 5, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Stash
- One flat monthly fee
- Advice available around the clock
- Low minimum to start investing
- Monthly fee is high for small balances
- Only available in the US
- Built for long-term investing, not trading
13F.chat
- Free daily use
- Clear about what filings can't show
- Compare several managers at once
- 13F data lags by up to 45 days
- Free plan allows only two chats a day
- Not a substitute for investment advice
Which one should you choose?
Choose Stash if you want:
- One flat monthly fee
- Advice available around the clock
- Low minimum to start investing
Watch out: monthly fee is high for small balances.
Choose 13F.chat if you want:
- Free daily use
- Clear about what filings can't show
- Compare several managers at once
Watch out: 13f data lags by up to 45 days.
Stash vs 13F.chat FAQ
What is the difference between Stash and 13F.chat?
Stash: Investing app with an AI money coach and managed portfolios. 13F.chat: AI copilot for researching fund managers' 13F holdings. Both are legal, finance & hr tools.
Is Stash or 13F.chat cheaper?
Stash has the lower starting price: about $12 a month, against $30 for 13F.chat.
Do Stash and 13F.chat have free plans?
Stash: No, 7-day trial. 13F.chat: Yes.
Who makes Stash?
Stash is made by Stash Financial, based in United States.
Who makes 13F.chat?
13F.chat is made by 13F.chat.
Which should I choose, Stash or 13F.chat?
Choose Stash if you value one flat monthly fee and advice available around the clock. Choose 13F.chat if you value free daily use and clear about what filings can't show.