7 best CFO Silvia alternatives in 2026
Key takeaways
- CFO Silvia reports more than 20,000 investors and $60 billion in tracked assets, with a free plan, Pro at $200 a year, and Max at $200 a month.1
- When choosing a CFO Silvia alternative, start with whether you want an SEC-registered adviser behind the answers, because CFO Silvia says its output is educational and not financial advice.
- The best CFO Silvia alternatives are Mezzi, Astor AI, and Origin, because each pairs AI answers about your accounts with an SEC-registered adviser, at $99 to $399 a year.
In this article
- Why look for a CFO Silvia alternative?
- Best CFO Silvia alternatives at a glance
- The best CFO Silvia alternatives reviewed
- Other CFO Silvia alternatives people compare
- Methodology for choosing the best CFO Silvia alternatives
- How to choose a CFO Silvia alternative in 4 steps
- Frequently asked questions about CFO Silvia alternatives
Key takeaways
- CFO Silvia reports more than 20,000 investors and $60 billion in tracked assets, with a free plan, Pro at $200 a year, and Max at $200 a month.1
- When choosing a CFO Silvia alternative, start with whether you want an SEC-registered adviser behind the answers, because CFO Silvia says its output is educational and not financial advice.
- The best CFO Silvia alternatives are Mezzi, Astor AI, and Origin, because each pairs AI answers about your accounts with an SEC-registered adviser, at $99 to $399 a year.
The closest CFO Silvia alternatives are Mezzi, Astor AI, Magnifi, and Origin, which read your accounts and answer your questions with an SEC-registered adviser behind them. CFO Silvia, now branded Silvia, is run by Silvia, Inc., the former ProCap Financial, which began trading on Nasdaq as SVIA on September 22, 2026.2 This guide compares seven alternatives on registration, price, and what each one tracks.
Why look for a CFO Silvia alternative?
People look for a CFO Silvia alternative for three reasons: they want a registered adviser, they've outgrown Pro, or they want budgeting or a person to talk to. CFO Silvia isn't on the SEC's adviser register, and its footer says its output is "for educational purposes only. Not financial advice." Mezzi has been registered since September 25, 2025, under CRD 337818, so it owes you a fiduciary duty and files a public Form ADV you can read before you sign up.3
CFO Silvia Pro gives you ten times the free plan's usage, and the next step up is Max at $200 a month, or $2,400 a year, billed monthly only. A heavy user on Max pays more than they would at any app adviser on this list. The CFO Silvia review covers its security and what each tier does well.
CFO Silvia tracks your accounts and answers questions, but it doesn't run a day-to-day budget, place trades, or put a person on the phone. Origin covers budgeting, Empower's advisory tiers put human advisors on your account, and Facet gives you a Certified Financial Planner for a flat fee.
Best CFO Silvia alternatives at a glance
The best CFO Silvia alternatives at a glance, with CFO Silvia in the first row for comparison.
| App | Best for | SEC-registered adviser | Yearly price | Holds your money | How you ask questions |
|---|---|---|---|---|---|
| CFO Silvia | Monitoring scattered accounts and assets | No | Free; Pro $200; Max $2,400 | No | Chat, text, phone call |
| Mezzi | Registered advice at a flat price | Yes, CRD 337818 | Free; Advisory $399; Concierge $999 | No | In-app chat |
| Astor AI | Advice by text or phone | Yes, CRD 338424 | Pro $119.99; Max $379.99 | No | Text or phone call |
| Magnifi | The lowest price | Yes, CRD 309397 | Free; Premium $99 | No | In-app chat |
| Origin | Budgeting and household money | Yes, through Origin Investment Advisory, CRD 305353 | $99 after a $1 first year | Only if you invest with Origin | In-app AI Advisor |
| Empower | A free net worth dashboard | Yes | Dashboard free; advice 0.89% of assets from $100,000 | On the advisory tier | Dashboard; human advisors on the advisory tier |
| Boldin | Retirement planning | Its advice service, CRD 294881 | Basic free; PlannerPlus $168 for new subscribers from October 15, 2026 | No | Planner you fill in |
| Facet | A human financial planner | Yes, CRD 285961 | $2,600 to $8,700 | Optional managed account | CFP by video or phone |
Prices as each company published them, observed October 12, 2026, and subject to change.
The best CFO Silvia alternatives reviewed
Each CFO Silvia alternative below gets the same five facts, so you can compare them on the points that decide a switch.
1. Best for registered advice at a flat price: Mezzi
Ideal for
An investor with accounts at three or more institutions who wants the same read-only view across all of them as CFO Silvia gives, with a fiduciary behind the answers.
Our take
Mezzi is the CFO Silvia alternative for someone who wants registered advice, because it runs the same read-only, subscription model and is on the SEC's adviser register. Mezzi Advisory costs $399 a year, or $39 month to month, about twice CFO Silvia Pro, and Concierge costs $999 a year.4 The free tier connects every account and runs the Exposure X-ray, with limited AI answers.
The Exposure X-ray shows what you hold across IRAs, 401(k)s, taxable accounts, and HSAs, and Mezzi flags wash-sale exposure across every institution you connect. You still place every trade yourself. The Mezzi review covers each plan, and Mezzi vs CFO Silvia runs the full head to head.
| Spec | Mezzi |
|---|---|
| Category | AI investment adviser app |
| Best for | Registered advice at a flat price |
| SEC-registered adviser | Yes, CRD 337818 |
| Yearly price | Free; Advisory $399; Concierge $999 |
| Holds your money | No |
| How you ask questions | In-app chat |
Pros
- Registered with the SEC since 2025
- The free tier connects every account
- Flags wash sales across institutions
Cons
- Can't place trades for you
- Advisory costs about twice CFO Silvia Pro
- The App Store app runs on iPhone only
2. Best for advice by text or phone: Astor AI
Ideal for
Someone who likes asking CFO Silvia questions by text or phone and wants the same channel from a registered adviser.
Our take
Astor AI is the CFO Silvia alternative for someone who wants to text or call an adviser, because it answers by text or phone call and has been SEC-registered since February 5, 2026. It links your brokerage accounts, leaves the money at your broker, and costs $119.99 a year for Pro or $379.99 for Max under its August 2026 Form CRS.
Astor describes itself as reading the brokerage accounts you link, so check whether it covers your property, vehicles, or crypto before you cancel CFO Silvia. Its pricing page and App Store listing also show lower Pro prices than the Form CRS. The Astor AI review sets out each price and what the plans include.
| Spec | Astor AI |
|---|---|
| Category | AI investment adviser app |
| Best for | Advice by text or phone |
| SEC-registered adviser | Yes, CRD 338424 |
| Yearly price | Pro $119.99; Max $379.99 |
| Holds your money | No |
| How you ask questions | Text or phone call |
Pros
- Answers by text or phone call
- Registered with the SEC
- Never holds your money
Cons
- No free plan after the trial
- No Android app
- Its published prices differ across its own documents
3. Best for the lowest price: Magnifi
Ideal for
A self-directed investor who wants AI analysis across several brokerages and doesn't need CFO Silvia's property or crypto tracking.
Our take
Magnifi is the CFO Silvia alternative for the lowest price, because Premium costs $99 a year, less than half of CFO Silvia Pro, from an adviser registered since July 1, 2020. In July 2026 it added a free tier you can keep with no time limit.
The weak point is the app itself, which holds 3.9 stars on the App Store, and reviewers report off-topic AI answers and update loops. The Magnifi review covers those complaints and what Premium adds.
| Spec | Magnifi |
|---|---|
| Category | AI investment adviser app |
| Best for | The lowest price |
| SEC-registered adviser | Yes, CRD 309397 |
| Yearly price | Free; Premium $99 |
| Holds your money | No |
| How you ask questions | In-app chat |
Pros
- Premium costs $99 a year
- A free tier with no time limit
- Registered with the SEC since 2020
Cons
- Mixed App Store reviews
- Focused on investments
- Its own investment account can carry custodian charges
4. Best for budgeting and household money: Origin
Ideal for
A couple or household that wants budgeting, net worth, forecasting, and an AI advisor in one app.
Our take
Origin is the CFO Silvia alternative for budgeting, because it adds spending, budgets, and partner access to net worth tracking and an AI Advisor, for $99 a year after a $1 first year. Its advice runs through Origin Investment Advisory LLC, an SEC-registered adviser. CFP sessions, Full Wills, and Trusts cost extra.
Origin no longer files taxes for people who subscribe directly, so plan on another way to file. The Origin Financial review covers the renewal price and what leaving costs.
| Spec | Origin |
|---|---|
| Category | Budgeting and planning app with an AI advisor |
| Best for | Budgeting and household money |
| SEC-registered adviser | Yes, through Origin Investment Advisory, CRD 305353 |
| Yearly price | $99 after a $1 first year |
| Holds your money | Only if you invest with Origin |
| How you ask questions | In-app AI Advisor |
Pros
- Budgeting and partner access built in
- $99 a year after the first year
- Registered advice through its affiliate
Cons
- Human CFP sessions cost extra
- No tax filing for direct subscribers
- Holds money only if you invest through Origin
5. Best free net worth dashboard: Empower
Ideal for
Someone who uses CFO Silvia mainly to see net worth and investment fees, or who has $100,000 or more and wants human advisors managing it.
Our take
Empower is the CFO Silvia alternative for a free dashboard, because its Personal Dashboard tracks linked accounts and investment fees at no cost. Its advisory tiers start at $100,000 for Investment Services, $250,000 for Wealth Management, and $1 million for Private Client, each priced as a percentage of assets.5 Below $1 million the fee is 0.89% a year, and Wealth Management adds two dedicated financial advisors.
Linking $100,000 or more often brings sales calls from the advisory side. The Empower review covers every tier, and Mezzi vs Empower compares a flat-fee app with Empower's advisors.
| Spec | Empower |
|---|---|
| Category | Free dashboard with a paid advisory business |
| Best for | A free net worth dashboard |
| SEC-registered adviser | Yes |
| Yearly price | Dashboard free; advice 0.89% of assets from $100,000 |
| Holds your money | On the advisory tier |
| How you ask questions | Dashboard; human advisors on the advisory tier |
Pros
- The dashboard costs nothing
- Human advisors from $100,000
- A retirement planner comes with the free dashboard
Cons
- Advice costs 0.89% a year under $1 million
- Sales outreach after linking
- The advisory fee grows with your balance
6. Best for retirement planning: Boldin
Ideal for
A pre-retiree who wants to model Social Security timing, Roth conversions, and withdrawals, and cares less about questions on today's balances.
Our take
Boldin is the CFO Silvia alternative for retirement planning, because PlannerPlus models Roth conversions, Monte Carlo outcomes, and tax projections, for $168 a year for new subscribers from October 15, 2026. The Basic plan is free.
ProjectionLab does similar planning for $129 a year, and you enter your accounts by hand. The Boldin review and the ProjectionLab review cover each planner, and Boldin vs ProjectionLab compares them side by side.
| Spec | Boldin |
|---|---|
| Category | Retirement planning software |
| Best for | Retirement planning |
| SEC-registered adviser | Its advice service, CRD 294881 |
| Yearly price | Basic free; PlannerPlus $168 for new subscribers from October 15, 2026 |
| Holds your money | No |
| How you ask questions | Planner you fill in |
Pros
- A free Basic plan
- Roth conversion and Social Security modeling
- An optional registered advice service
Cons
- Plans ahead but doesn't watch your accounts
- The PlannerPlus price rises October 15, 2026
- Monte Carlo and tax tools are on the paid plan only
7. Best for a human financial planner: Facet
Ideal for
Someone who has decided an AI isn't enough and wants a Certified Financial Planner for a flat fee.
Our take
Facet is the CFO Silvia alternative for a person, because it pairs you with a CFP for a flat $2,600, $5,500, or $8,700 a year. Every membership is an annual, non-refundable agreement.
Two other flat-fee firms sell the same kind of service: Range at $3,950 to $12,500 a year, and Domain Money at $3,900 to $9,000 in the first year. The Facet review, the Range review, and the Domain Money review cover each firm's tiers and terms.
| Spec | Facet |
|---|---|
| Category | Flat-fee financial planning firm |
| Best for | A human financial planner |
| SEC-registered adviser | Yes, CRD 285961 |
| Yearly price | $2,600 to $8,700 |
| Holds your money | Optional managed account |
| How you ask questions | CFP by video or phone |
Pros
- A CFP who acts as a fiduciary
- The same flat fee at any balance
- No minimum for planning
Cons
- Costs 13 times CFO Silvia Pro at the lowest tier
- An annual, non-refundable commitment
- Slower than asking an app
Other CFO Silvia alternatives people compare
Other CFO Silvia alternatives people compare are budgeting apps and net worth trackers that Tweed hasn't reviewed yet. Monarch Money, YNAB, and Rocket Money are built for day-to-day budgeting.
Kubera, Wealthica, and CoinStats track assets such as crypto and real estate alongside your accounts. Check each one's registration on the SEC's adviser search before you treat its answers as advice.
Methodology for choosing the best CFO Silvia alternatives
Our methodology for choosing the best CFO Silvia alternatives started from the apps Google's AI Overview, G2, SourceForge, and CFO Silvia's own comparison posts name. We dropped business software and kept apps a US individual investor can use.
We checked each finalist's SEC registration on the adviser register and its prices on its own pricing page or Form CRS, then picked one app per job a CFO Silvia user would switch for. Prices were read on October 12, 2026, and Reddit and App Store reviews informed the cons and didn't change the rankings.
How to choose a CFO Silvia alternative in 4 steps
To choose a CFO Silvia alternative, decide what CFO Silvia doesn't do for you, then check registration and price at your balance.
Step 1: Decide whether you want registered advice
If you want registered advice you'll act on, pick an app on the SEC's adviser register and look up its CRD number before you connect anything. CFO Silvia's footer calls its output educational, and Boldin's registration covers its advice service and doesn't extend to the planner software.
Step 2: List what you need tracked
CFO Silvia tracks property, vehicles, crypto, and debts as well as bank and brokerage accounts, so list what you need tracked and check each alternative's supported account types before you cancel.
Step 3: Price each app at your balance
To price each app at your balance, use this rule: a flat fee costs less than a percentage fee once your balance passes the fee divided by the rate. Mezzi Advisory at $399 a year costs less than a 1% fee above $39,900, since $399 / 1% = $39,900. For percentage-fee options, see the best robo-advisors.
Step 4: Test the free plan or trial first
Test the free plan or trial first, because Mezzi, Magnifi, Empower's dashboard, and Boldin Basic are free to keep and Astor has a trial. Facet's year is non-refundable, so start with the free options.
Project your balance at retirement with the Tweed Retirement Calculator, then compare a flat subscription with a percentage advisory fee at that balance using the rule in Step 3. The result shows which kind of fee you'll pay less for over time.
Frequently asked questions about CFO Silvia alternatives
Is there a free alternative to CFO Silvia?
There is a free alternative to CFO Silvia for most of what its free plan does, but each one limits something different. Empower's dashboard is free and tracks net worth and investment fees. Mezzi's and Magnifi's free tiers connect your accounts and ration the AI answers, and Boldin Basic plans your retirement for free without Monte Carlo analysis.
Can ChatGPT replace CFO Silvia?
ChatGPT can replace part of CFO Silvia, because its Finances feature now connects US accounts and syncs them automatically. OpenAI doesn't describe standing checks like CFO Silvia's Radars, so you ask again each time. OpenAI also says ChatGPT isn't a fiduciary or registered investment adviser, so, as with CFO Silvia, its answers carry no fiduciary duty.
What happens to my data if I leave CFO Silvia?
If you leave CFO Silvia, your data goes when you close the account, and the company says it deletes data on request. Nothing moves to the new app for you. You'll reconnect each bank and brokerage through the new app's own links and re-enter property, vehicles, and other manual assets by hand.
Sources
- https://www.cfosilvia.com/#pricing
- https://investors.cfosilvia.com/news-releases/news-release-details/silvia-inc-begins-trading-nasdaq-under-new-ticker-svia
- https://adviserinfo.sec.gov/firm/summary/337818
- https://www.mezzi.com/pricing
- https://www.empower.com/products-solutions/wealth-management
Personal finance writer, former Forbes contributor and This Week in Fintech writer. He isn't a financial advisor or a CPA.
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