Honest comparison
PeakWorth vs SoFi Automated Investing
SoFi's robo is a low-fee, member-friendly ETF wrapper. PeakWorth is the planning layer above it.
The short version
SoFi Automated Investing is a low-cost robo (0.25%/yr advisory fee as of 2024, $1 minimum to start) bundled into the broader SoFi member ecosystem with optional access to SoFi financial planners. It manages money inside SoFi. It does not run a real multi-decade household plan. PeakWorth is the planning layer above it.
SoFi Automated Investing is best for
SoFi members who want a low-friction robo bundled with SoFi banking, lending, and member benefits — and who value access to a SoFi financial planner as part of membership.
0.25%/yr advisory fee (introduced April 2024 — previously $0 management). $1 minimum to start investing. SoFi members get complimentary access to SoFi financial planners as part of broader membership benefits.
PeakWorth is best for
Households who want a household-wide plan, FI age, and Decision Hub spanning every account — not just a managed SoFi-side portfolio plus a one-off planner conversation.
14-day free trial. Then $9.99/mo Navigator.
Feature by featureHow they compare
| Feature | PeakWorth | SoFi Automated Investing |
|---|---|---|
Advisory fee | $9.99/mo | 0.25%/yr (since Apr 2024) |
Account minimum | None | $1 |
Automated rebalancing | ||
Tax-loss harvesting | Not a standard feature | |
Financial planner access | AI advisor on your numbers (Peak plan) | Complimentary via SoFi membership |
Holds and trades your assets | No — planning only | |
Multi-decade net worth projection | ||
FI age — when work becomes optional | Retirement-readiness check | |
Decision Hub (buy/rent, kids, job change) | Built-in | |
Tax-aware projections Household-wide, marginal bracket, withdrawal order | Within SoFi accounts only | |
Account aggregation (full picture) | SoFi-held assets | |
Built for dual-income households | ||
Cost on $100k portfolio | $119.88/yr | $250/yr |
Cost on $500k portfolio | $119.88/yr | $1,250/yr |
Cost on $1M portfolio | $119.88/yr | $2,500/yr |
The real reasonsWhy people switch
- 0.25%/yr matches Betterment and Wealthfront — competitive, but no longer the free outlier it was before April 2024.
- Complimentary planner access via SoFi membership is a one-off conversation. PeakWorth's Peak plan runs an AI advisor on your real numbers continuously, plus the full Decision Hub.
- Tax-loss harvesting isn't a standard SoFi Automated Investing feature. If TLH is the reason to pick a robo, Betterment or Wealthfront are stronger.
- SoFi Automated Investing plans against your SoFi-side portfolio. PeakWorth plans every account, every spouse, every major decision.
Context
SoFi Automated Investing was free for years and introduced a 0.25%/yr management fee in April 2024 — putting it in line with Betterment and Wealthfront on price. The $1 minimum to start investing is genuinely friction-free, and the product is well-integrated with the rest of the SoFi member ecosystem (checking, savings, lending, credit cards).
SoFi members get complimentary access to a SoFi financial planner as part of broader membership benefits — useful for one-off questions, distinct from a continuous household plan. Tax-loss harvesting is not a standard feature.
Most PeakWorth users keep SoFi for the member ecosystem and (optionally) SoFi Automated Investing for the management piece, and use PeakWorth as the planning layer that spans every account. For the category-level discussion, see /vs/robo-advisor.
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Run it through PeakWorthFrequently asked
Is SoFi Automated Investing still free?
No. SoFi introduced a 0.25%/yr management fee on SoFi Automated Investing in April 2024. It's still competitive — the same headline rate as Betterment and Wealthfront — but it's no longer the free outlier it used to be.
What does the complimentary financial planner access cover?
SoFi members can book time with a SoFi financial planner as part of broader membership benefits — useful for a one-off question or a sanity check. It's a conversation, not a continuous household plan. PeakWorth runs an always-on AI advisor on your real numbers plus a Decision Hub for the recurring decisions.
Does SoFi do tax-loss harvesting?
Tax-loss harvesting is not a standard SoFi Automated Investing feature. If daily TLH on a taxable account is what you're after, Betterment or Wealthfront are stronger choices in the same robo category.
Does PeakWorth replace SoFi Automated Investing?
No — PeakWorth doesn't hold your money or place trades. The clean stack is SoFi Automated Investing (or any low-cost robo) for management and PeakWorth for the multi-decade plan, decision modeling, and AI advisor. See /vs/robo-advisor for the broader picture.
PeakWorth provides educational projections, not financial advice. We are not a registered investment advisor, broker-dealer, tax preparer, or attorney. Consult a licensed professional before making major financial decisions. Read full disclosures