Pricing

Trust ladder, not AUM ladder.

Tiers are organized by autonomy and complexity — not by how much money you have. Start free, scale up only when the autonomy is worth it.

Paper
Free
no card, no expiry

Try the engine on a paper portfolio. No broker connection, no money at risk.

  • AI-designed direct-index portfolio (60–80 stocks)
  • Simulated tax-loss harvesting against historical prices
  • Tax-savings estimate based on your tax bracket
  • Educational chat assistant — explains every move
  • No broker connection, no signup fee
Curious DIY investors who want to see the tax-savings story first.
Try free paper
Guided
$49 / month
or $490/yr — 2 months free

The core live tier. Direct-indexing TLH on your existing brokerage. You approve trades.

  • Everything in Paper
  • 1 linked taxable brokerage (E*TRADE today; Schwab + Fidelity + IBKR coming)
  • Continuous tax-loss harvesting with replacement-stock automation
  • Wash-sale monitoring + cooldown enforcement
  • CPA-friendly export of realized gains and harvest events
  • Assistant in 'explain and propose' mode — you click Approve
Self-directed investors with $250K–$750K taxable.
Get Guided
Autopilot
$99 / month
or $990/yr — 2 months free

Rule-bound auto-execution. The system runs your policy; you set the rails.

  • Everything in Guided
  • Auto-approve harvests within your pre-set rails (size, frequency, drawdown caps)
  • Per-lot stop-loss autonomy with auto-replacement
  • Multiple portfolios (e.g. taxable + custodial + spouse)
  • Household wash-sale awareness across linked accounts
  • Advanced dashboards + tax-budget controls
  • Priority support
Higher-conviction users, typically $500K+, who want real automation.
Get Autopilot
Alpha
$199 / month
or $1990/yr — 2 months free

Sharper tools for the complexity-heavy edges. Margin overlay, concentrated stock, RSU planning.

  • Everything in Autopilot
  • Short overlay on margin-approved brokerages (extra tax-alpha)
  • Concentrated-position transition planning (RSU / employer stock)
  • Multi-year tax budgeting + harvest pacing
  • CPA-ready reporting pack at year-end
  • White-glove activation review
$1M+ taxable, concentrated-stock holders, RSU vesters, advanced tax planners.
Get Alpha

Subscription vs AUM, by account size

An AUM fee gets bigger as your account grows. A subscription doesn't. The table below shows where each tier breaks even against a 0.25% AUM fee (the typical robo-direct-indexing rate).

Tier Monthly Annual Breaks even at
Hypothetical $19 (not offered) $19/mo $190/yr ~$91,000
Guided $49/mo $490/yr ~$235,000
Autopilot $99/mo $990/yr ~$475,000
Alpha $199/mo $1990/yr ~$955,000

Above the breakeven, our flat fee saves you money vs the AUM. Below it, the AUM is technically cheaper — but you're paying for a custody + management relationship; we're software with a different cost curve.

Annual or monthly?

Annual saves about 17% (2 months free). It also reduces churn-friction and keeps your monthly accounting boring. Switch any time from your account billing page; we prorate. No long-term contracts.