Astor AI review 2026
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Key takeaways
- Gaus, Inc., which does business as Astor, has been an investment adviser registered with the SEC since February 5, 2026, under CRD number 338424, and it is not a broker-dealer.1
- Astor Pro costs $14.99 a month or $119.99 a year, and Max costs $39.00 a month or $379.99 a year, according to its August 2026 Form CRS.2
- Astor suits a self-directed investor who wants AI advice on accounts they already hold, by text or phone, and a robo-advisor suits someone who wants the investing done for them.
In this article
Key takeaways
- Gaus, Inc., which does business as Astor, has been an investment adviser registered with the SEC since February 5, 2026, under CRD number 338424, and it is not a broker-dealer.1
- Astor Pro costs $14.99 a month or $119.99 a year, and Max costs $39.00 a month or $379.99 a year, according to its August 2026 Form CRS.2
- Astor suits a self-directed investor who wants AI advice on accounts they already hold, by text or phone, and a robo-advisor suits someone who wants the investing done for them.
Astor is an AI investment advisor app that links your brokerage accounts, reviews what you hold, and answers your questions by text or phone call. It's worth paying for if you'll use its advice often enough to justify $119.99 a year for Pro. This review covers its plans, SEC registration, what its AI does, and alternatives.
What is Astor AI?
Astor AI is an investment advisor app that reads the brokerage accounts you link and gives you advice by text or phone call, run by Gaus, Inc., which does business as Astor. Gaus is a Delaware company formed in May 2025 and based in San Francisco, founded by Bruno Koba and Daniel Tulha. It's backed by Y Combinator, and in April 2026 it announced a $5 million seed round led by Monashees.
Astor doesn't place trades or hold your money, so your investments stay at your own broker. It recommends and you decide, which makes it a different product from a robo-advisor.
Who is Astor for?
Astor is for investors who pick their own investments and want a second opinion, people who'd rather text or call than read charts, and anyone with enough invested that a flat fee stays small.
Investors who pick their own investments and want a second opinion
Investors who pick their own investments get recommendations on stocks, ETFs, bond funds, and mutual funds, and decide whether to act at their own broker. Astor's homepage names tech workers with RSUs, consultants, bankers, and founders as its users. It publishes no list of supported brokerages, so check that yours connects before you pay.
Investors who'd rather text or call than read charts
Investors who'd rather talk than read a dashboard can ask Astor questions in chat or on a voice call. It also sends market updates filtered to what they hold.
Investors with enough invested to keep the fee small
Investors with a larger balance pay the same flat fee as everyone else, and there's no account minimum. The cost section shows that fee as a share of five balances.
Astor pros and cons
Astor's pros are advice on what you own, a flat price, and the ease of texting or calling, and its cons are the limits of the AI and of what Astor does with your accounts.
Astor pros
Advice on your own holdings
Recommendations draw on the accounts you link, your risk questionnaire, and your goals.
A flat price
Pro is $119.99 a year whatever your balance, with no account minimum.
Text or call
Both plans include unlimited chat, and voice calls run 10 minutes a day on Pro or unlimited on Max.
A registered adviser
Gaus, Inc. files a public Form ADV and Form CRS with the SEC and owes you a fiduciary duty.
Astor cons
No one manages your money
Astor never places trades or rebalances, so you act on every recommendation yourself.
Answers may not be checked by a person
Its Form ADV says AI responses can reach you before an adviser reviews them.
A short track record
The company was formed in May 2025 and registered with the SEC in February 2026.
Prices that don't match across pages
Astor's filings, Terms, pricing page, and App Store listing show different figures for the same plans.
SEC registration brings a fiduciary duty and public filings you can read, and it doesn't mean the SEC has approved the advice. Our Mezzi review explains what registration covers in more depth.
How Astor's AI advisor works
Astor's AI advisor works by reading the accounts you link and the answers to its risk questionnaire, then recommending investments that you choose whether to buy at your own broker.
What it does with your linked accounts
Linking
You connect a brokerage account through Plaid, a data-connection service, and Astor reads holdings and balances but can't move money.
Analysis
Its Form ADV lists risk, concentration, fund overlap, and diversification, plus a risk profile from a questionnaire.
Updates
You'll get alerts and new recommendations when your holdings or the market change.
Scale
The homepage says "$400M+ connected" and "Loved by 10,000+ users," and the Form ADV reports $0 in assets under management, calculated in January 2026, before its SEC approval.
Connected assets are accounts people have linked for analysis, and Astor doesn't manage that money.
What it won't do
Astor's Form ADV says it "does not execute trades for clients or automatically rebalance client accounts," holds no client money, and doesn't manually review each account on a schedule. The ADV also says AI-generated responses "may be delivered to clients without review by an advisory representative before delivery."3
Before a large trade
Ask Astor to explain its reasoning, and check it against the fund's own documents.
A fixed list of investments
Astor recommends only stocks, ETFs, bond funds, money-market instruments, and mutual funds, and only flags risk on anything else you hold.
Conflicts
The About page lists "Zero Conflicts," and the Form CRS lists paid promoters and a fixed fee you pay even if you rarely use the app.
Texting and calling Astor
Texting and calling Astor works the same on both plans except for voice minutes: chat is unlimited, Pro includes 10 minutes of calls a day, and Max includes unlimited minutes and early access to new features. Version 2.0 of the iPhone app, released in October 2026, added proactive portfolio updates and an iMessage experience.
How much does Astor cost?
Astor costs $14.99 a month or $119.99 a year for Pro and $39.00 a month or $379.99 a year for Max, according to its Form CRS dated August 18, 2026.
| Pro | Max | |
|---|---|---|
| Monthly | $14.99 | $39.00 |
| Yearly | $119.99 | $379.99 |
| Chat with the AI advisor | Unlimited | Unlimited |
| Voice calls | 10 minutes a day | Unlimited |
| Portfolio insights and market updates | Yes | Yes |
| Minimum | None | None |
Pro and Max plans
Astor's Pro and Max plans differ mainly in voice minutes, and paying yearly saves $59.89 on Pro and $88.01 on Max compared with 12 monthly payments. Fees are charged in advance and owed whether or not you use the app, and you'll pay your broker's and funds' own fees on top. Astor's Terms and pricing page list Max at $39.99 a month, and the pricing page and App Store also show Pro at $9.99, so confirm the price at checkout before you subscribe.
What Astor costs at your balance
What Astor costs as a share of your balance runs from 12.0% at $1,000 to 0.12% at $100,000 on Pro's yearly plan.
| Balance | Pro, $119.99 a year | Max, $379.99 a year | A 1% advisory fee |
|---|---|---|---|
| $1,000 | 12.0% | 38.0% | $10 |
| $5,000 | 2.4% | 7.6% | $50 |
| $12,000 | 1.0% | 3.17% | $120 |
| $25,000 | 0.48% | 1.52% | $250 |
| $100,000 | 0.12% | 0.38% | $1,000 |
Pro costs the same as a 1% fee at about $12,000, and Max at about $38,000. Astor doesn't manage the money, so the table compares the price of advice only, and our Mezzi review runs the full flat-fee vs 1% comparison.
How much does it cost to leave Astor?
Leaving Astor costs nothing in fees Astor discloses, and its Terms promise a full refund if you cancel within five business days of signing its advisory contract.4
After five business days
If you subscribed on the web and ask for immediate termination, Astor refunds the fee for the current billing period.
App Store subscriptions
Refunds follow Apple's policy, so subscribe on the web if a refund matters to you, and cancel in Apple's settings if you joined there.
Cancellation
Plans renew automatically, and you cancel in account settings or by emailing [email protected].
Your data
You can ask [email protected] to delete your personal information, though SEC rules require Astor to keep some records.
Your investments don't move when you leave, because they stay at your broker.
Is Astor worth it in 2026?
Astor holds 4.7 out of 5 from 349 ratings on the App Store as of October 12, 2026.5 The ratings praise the design and plain-English answers, but they don't test whether the advice was right, and the firm has been an SEC adviser for eight months.
Astor is software that recommends and never manages, so its value depends on whether you act on what it finds and check what it tells you. It's worth it to you if you pick your own investments, want a second opinion, and will use the chat or calls often. Try Pro before Max, and pick the yearly plan only once you know you'll keep using it.
Astor is the wrong fit if you want someone to manage the portfolio or a human adviser to call.
Astor vs the alternatives
Astor vs the alternatives comes down to whether you talk to the software, whether it manages your money, and how you pay.
| Astor | Mezzi | Magnifi | Robo-advisor | |
|---|---|---|---|---|
| What it does | AI advice by chat and voice on linked accounts | AI analysis of linked accounts | AI research and analysis of linked accounts | Manages a diversified portfolio |
| Manages your money | No | No | No | Yes |
| How you pay | $119.99 or $379.99 a year | Free, or $399 a year for Advisory | Free, or a paid Premium plan | Percentage of assets, such as Wealthfront's 0.25% |
| SEC-registered adviser | Yes | Yes | Yes | Yes |
Astor vs Mezzi
Astor vs Mezzi compares two apps that analyze linked accounts without trading for you. Mezzi has a free tier and costs $399 a year for Advisory, and Astor has no free plan but adds voice calls. Our CFO Silvia review covers a third option, an AI planning app that isn't a registered adviser.
Astor vs Magnifi
Astor vs Magnifi compares two chat apps for linked accounts. Magnifi answers research questions and has a free tier and a paid Premium plan, and Astor answers by chat or phone for $119.99 a year.
Astor vs a robo-advisor
Astor vs a robo-advisor comes down to who places the trades. A robo-advisor invests and rebalances for you for a percentage fee, and with Astor you place every trade yourself. Our best robo-advisors roundup and Wealthfront review cover the managed option.
Before you pay for advice on your portfolio, run your balance, contributions, and goal in the Tweed Retirement Calculator to see where you stand. It shows whether your savings are on track for the goal you set.
Frequently asked questions about Astor
Is Astor legit?
Yes, Astor is a legitimate adviser: Gaus, Inc., which does business as Astor, has been registered with the SEC since February 5, 2026, under CRD number 338424, with no disciplinary history. It isn't a broker-dealer and never holds your money, which stays at your broker. Astor says its SOC 2 Type II audit is in progress.
Is Astor the same as Astor Investment Management?
No, Astor the AI app is not Astor Investment Management, a separate Chicago firm that manages money for a percentage of assets under its own registration. The app is run by Gaus, Inc., CRD 338424. Check the CRD on the SEC's adviser search before you sign up with either firm.
Does Astor have a free trial?
Yes, Astor has a free trial on both plans, according to its pricing page, but the page doesn't say how long it lasts. There's no free plan you can keep once the trial ends. Check the trial length and the date of your first charge before you start, since both plans bill in advance.
Is Astor available on Android?
No, Astor isn't on Android as of October 2026, and you'll find it on iPhone through the App Store and on the web. A Google Play search showed no Astor app from Gaus, Inc., and other apps named Astor there are unrelated. Check Google Play again before you rely on an Android version.
Does Astor give tax advice?
No, Astor doesn't give tax advice. Its AI Disclaimer says it doesn't provide tax, legal, or accounting advice, though its Form ADV says it can flag tax-loss harvesting opportunities and recommend tax-aware investing. Ask a tax professional before you sell at a loss or move money between taxable and retirement accounts.
What do Astor reviews on Reddit say?
Astor reviews on Reddit are scarce. The thread that ranks for Astor searches is a general r/HENRYUK discussion about using AI for investing that doesn't discuss Astor. App Store reviews give a fuller picture: users praise the design, the daily market digests, and plain-English answers, and one notes it isn't a financial planner.
Sources
- https://adviserinfo.sec.gov/firm/summary/338424
- https://reports.adviserinfo.sec.gov/crs/crs_338424.pdf
- https://astor.app/legal/form-adv-2a
- https://www.astor.app/legal/terms
- https://apps.apple.com/us/app/-/id6753963161
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