kitio.aiSurmount vs 13F.chat
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Surmount starts at See pricing page and 13F.chat starts at $30/mo. 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
- Strategy marketplace
- No-code and code builders
- AI strategy builder
- Paper trading
- Automated trade execution
- Tax harvesting
- 13F holdings tracking
- AI chat on filings
- Fund analysis
- Multi-manager comparison
- Daily research reports
| Feature | Surmount | 13F.chat |
|---|---|---|
| Best for | Automated investing with data-driven strategies and an AI strategy builder | AI copilot for researching fund managers' 13F holdings |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Freemium |
| Starting price | See pricing page | $30/mo |
| Free plan | Yes | Yes |
| Made by | Surmount | 13F.chat |
| Based in | – | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Surmount starts at See pricing page and 13F.chat starts at $30/mo. 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
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 Oct 29, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
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
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 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.
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.
Surmount vs 13F.chat FAQ
What is the difference between Surmount and 13F.chat?
Surmount: Automated investing with data-driven strategies and an AI strategy builder. 13F.chat: AI copilot for researching fund managers' 13F holdings. Both are legal, finance & hr tools.
Is Surmount or 13F.chat cheaper?
Surmount starts at See pricing page and 13F.chat starts at $30/mo. Check both pricing pages for current plans.
Do Surmount and 13F.chat have free plans?
Surmount: Yes. 13F.chat: Yes.
Who makes Surmount?
Surmount is made by Surmount.
Who makes 13F.chat?
13F.chat is made by 13F.chat.
Which should I choose, Surmount or 13F.chat?
Choose Surmount if you value works with your existing brokerage accounts and paper trading to test strategies. Choose 13F.chat if you value free daily use and clear about what filings can't show.