kitio.aiStash vs Deduction
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 $42 for Deduction.
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
- AI tax assistant
- CPA-reviewed returns
- Year-round tax planning
- Document Vault
- Accuracy guarantee
| Feature | Stash | Deduction |
|---|---|---|
| Best for | Investing app with an AI money coach and managed portfolios | Tax firm pairing an AI assistant with CPAs for advice and filing |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Free trial | Paid |
| Starting price | $12/mo | $499/yr |
| Free plan | No, 7-day trial | No |
| Made by | Stash Financial | Deduction |
| Based in | United States | 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 $42 for Deduction.
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
Deduction
$499/yr
- Unlimited CPA-reviewed advice
- Annual filing included
Reserve
$999/yr
- Added complexity like rentals
- Everything in Deduction
Private Client
Custom
- Foreign income
- S corporation returns
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
Deduction
- Every return checked by a CPA
- Unlimited advice through the year
- Conversational, no forms
- Costs more than DIY tax software
- Only for US taxpayers
- Complex cases need the custom tier
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 Deduction if you want:
- Every return checked by a CPA
- Unlimited advice through the year
- Conversational, no forms
Watch out: costs more than diy tax software.
Stash vs Deduction FAQ
What is the difference between Stash and Deduction?
Stash: Investing app with an AI money coach and managed portfolios. Deduction: Tax firm pairing an AI assistant with CPAs for advice and filing. Both are legal, finance & hr tools.
Is Stash or Deduction cheaper?
Stash has the lower starting price: about $12 a month, against $42 for Deduction.
Do Stash and Deduction have free plans?
Stash: No, 7-day trial. Deduction: No.
Who makes Stash?
Stash is made by Stash Financial, based in United States.
Who makes Deduction?
Deduction is made by Deduction, based in United States.
Which should I choose, Stash or Deduction?
Choose Stash if you value one flat monthly fee and advice available around the clock. Choose Deduction if you value every return checked by a cpa and unlimited advice through the year.