Evergreen.ai review 2026
By Nicolas Straut
Key takeaways
- Evergreen.ai is a service of Evergreen Wealth Advisors, an investment adviser registered with the SEC since November 8, 2023, under CRD number 326535.1
- Evergreen.ai is free through January 1, 2028 for people who register during its public beta, and it gives advice without recommending specific investments or placing trades.2
- Evergreen.ai suits someone who wants a free whole-picture plan before paying for advice, and Boldin suits someone who wants a retirement planner with a published price.
In this article
Key takeaways
- Evergreen.ai is a service of Evergreen Wealth Advisors, an investment adviser registered with the SEC since November 8, 2023, under CRD number 326535.1
- Evergreen.ai is free through January 1, 2028 for people who register during its public beta, and it gives advice without recommending specific investments or placing trades.2
- Evergreen.ai suits someone who wants a free whole-picture plan before paying for advice, and Boldin suits someone who wants a retirement planner with a published price.
Evergreen.ai is an AI financial planning app from Bill Harris, the founder of Personal Capital, that links your accounts and answers questions about taxes, retirement, and equity compensation. It's worth trying if you register during the beta, because it's free through January 1, 2028. This review covers what it does, what it costs later, and the alternatives.
What is Evergreen.ai?
Evergreen.ai is an AI financial planning app from the investment adviser Evergreen Wealth Advisors. It builds a model of your accounts, taxes, and goals, then answers your questions about them.
Its founder and CEO is Bill Harris, a former CEO of PayPal and Intuit who founded Personal Capital, now part of Empower. Its co-founder and CTO is Bryan Godwin. WealthManagement.com reported its launch in public beta the week of September 21, 2026.
Evergreen.ai doesn't hold or invest your money. It is also separate from the adviser's paid managed-account program.
Who is Evergreen.ai for?
Evergreen.ai is for people planning retirement income, tech workers with stock options or RSUs, and anyone who wants to try AI planning before paying an advisor.
People planning retirement income and Roth conversions
People planning retirement income get the Retirement & Income and Tax Strategy tools, and launch coverage also mentions Roth conversion tools. Before you convert, check the figure Evergreen.ai gives you in the Tweed Roth Conversion Calculator.
Tech workers with stock options or RSUs
Tech workers with equity pay get an Equity Compensation tool, one of eight tool areas. The homepage lists RSUs, ISOs, ESPPs, and QSBS. If RSUs are new to you, Tenurable's free class explains how vesting works.
Anyone who wants to try AI planning before paying an advisor
Anyone who wants to try AI planning before paying an advisor can register during the beta with no minimum and no credit card.
Evergreen.ai pros and cons
Evergreen.ai's pros are a free whole-picture plan, rules-based math, and a registered adviser behind it, and its cons are the end date on the free access, no investment picks, and a short track record.
Evergreen.ai pros
Free during the beta
You pay no fee and need no credit card through January 1, 2028 if you register during the beta, and account linking is included.
One plan across your money
Taxes, retirement, equity compensation, real estate, estate, and charitable giving sit in one model.
Rules-based math
The homepage says its figures come from rules-based calculations designed so the same inputs give the same results.
A registered adviser behind it
Evergreen Wealth Advisors files a public Form CRS and reports no legal or disciplinary history.
Evergreen.ai cons
No price after 2028
Neither the homepage nor the Form CRS says what Evergreen.ai costs after January 1, 2028.
No investment picks
Evergreen.ai won't recommend specific investments, so you choose the funds and place the trades yourself.
A new product
The public beta started in September 2026, and the adviser registered with the SEC in November 2023.
A paid program in the background
The same adviser sells managed accounts and says its fees give it a reason to want more of your assets.
How Evergreen.ai works
Evergreen.ai works by building a model of the accounts you link and the details you add, then answering your questions with calculations run on that model.
What it does with your linked accounts
Evergreen.ai links your bank, brokerage, and credit accounts through Plaid, a data-connection service, and you can add anything else by hand. It reads your balances and holdings and shows how one decision, such as when you retire, changes your taxes and the rest of the plan.
Where the AI ends and the math begins
The AI in Evergreen.ai handles the conversation, and separate software runs the numbers, which the homepage calls "tested, rules-based calculations." Bryan Godwin told WealthManagement.com that the language models "excel at communication" and deterministic software "runs the actual calculations." The site says its AI can make mistakes, so check any figure you'll act on in the Tweed Retirement Calculator.
What it won't do
Evergreen.ai won't pick or buy investments: its Form CRS says it "doesn't recommend specific investments, make trades, or invest money on your behalf." It does give personalized financial advice to registered users who share enough about their finances. The CRS says the adviser's staff design and regularly review how Evergreen.ai works.
How much does Evergreen.ai cost?
Evergreen.ai costs nothing through January 1, 2028 if you register during its public beta, and its adviser charges only for a separate managed-account program.3
Free through January 1, 2028 for beta sign-ups
Evergreen.ai is free through January 1, 2028 for everyone who registers during the public beta, with no credit card and no minimum. Neither the homepage nor the Form CRS says what it costs after that date or whether people who join after the beta pay, so watch for a price notice before then.
What Evergreen Wealth's managed accounts cost
Evergreen Wealth's managed accounts cost 0.39% a year on the first $1 million, with a $100,000 minimum, and the fee doesn't apply to Evergreen.ai.
| Balance | Evergreen wrap fee a year | A 1% advisory fee |
|---|---|---|
| $100,000 | $390 | $1,000 |
| $250,000 | $975 | $2,500 |
| $500,000 | $1,950 | $5,000 |
| $1,000,000 | $3,900 | $10,000 |
| $2,000,000 | $6,800 | $20,000 |
The rate drops to 0.29% on the next $4 million and 0.19% above $5 million, and it's billed monthly in arrears. The fee includes trading costs, and you'll pay fund expenses on top. Because fees rise with your balance, the CRS says the adviser is "motivated to help you invest more with us."
For a comparison, our Empower review covers Empower's managed tier.
How much does it cost to leave Evergreen.ai?
Leaving Evergreen.ai costs nothing during the free beta, because there's no subscription to cancel. Unlink your accounts in the app and in Plaid, and email [email protected] to ask what happens to the data you shared.
If you joined the managed-account program, leaving follows your advisory agreement, not Evergreen.ai's terms, so read its termination section before you sign. Your investment accounts stay where they are, because Evergreen.ai doesn't hold them.
Is Evergreen.ai worth it in 2026?
Evergreen.ai is worth it in 2026 if you register during the beta, want one plan across taxes, retirement, and equity compensation, and will pick your own investments. It costs $0 during the beta, but no page says what it costs after January 1, 2028. There's no app store rating to go on yet, because it runs in a browser and launched in September 2026.
The app is free and the adviser earns from managed accounts, so treat any suggestion of the paid program as a separate decision. Evergreen.ai isn't the right fit if you want someone to manage the money from day one or a planner with a published long-term price.
Evergreen.ai vs the alternatives
Evergreen.ai vs the alternatives comes down to what you pay after the trial or beta, whether the app picks investments, and whether anyone manages the money.
| Evergreen.ai | Empower | Boldin | Astor AI | |
|---|---|---|---|---|
| What it does | AI planning on linked accounts | Free dashboard, paid advisory | Retirement planning software | AI investment advice by chat and voice |
| Price | Free through Jan 1, 2028 for beta sign-ups | Dashboard free; advisory 0.89% from $100,000 | Basic free; PlannerPlus $168 a year | Pro $119.99 a year |
| Recommends specific investments | No | Yes, on the advisory tier | No | Yes |
| Manages your money | No (paid program from $100,000) | Yes, on the advisory tier | No | No |
Evergreen.ai vs Empower
Evergreen.ai vs Empower compares two free tools that read your accounts, each with a paid managed tier from $100,000. Empower's advisory fee is 0.89% a year,4 and Evergreen's is 0.39% on the first $1 million. Evergreen.ai builds a forward-looking plan, and Empower's dashboard tracks net worth and fees, as our Empower review explains.
Evergreen.ai vs Boldin
Evergreen.ai vs Boldin compares two ways to plan retirement income and Roth conversions. Boldin has a free Basic plan, and PlannerPlus costs $168 a year for new subscribers from October 15, 2026. Evergreen.ai answers in plain language for free during the beta.
Our ProjectionLab review covers a planner that doesn't need linked accounts, and our Boldin review covers Boldin's plans.
Evergreen.ai vs Astor AI
Evergreen.ai vs Astor AI comes down to investment picks: Astor recommends specific investments by chat or phone for $119.99 a year on Pro, and Evergreen.ai doesn't. Our Astor AI review and Mezzi review cover two registered adviser apps with flat fees, Mezzi's at $399 a year for Advisory.
The best AI financial advisors roundup ranks the wider field, and our best robo-advisors roundup covers services that do the investing for you.
Before you link your accounts to any planning app, run your balance, savings, and retirement age in the Tweed Retirement Calculator. You'll have your own number to check its answers against.
Frequently asked questions about Evergreen.ai
Is Evergreen.ai legit?
Yes, Evergreen.ai is legit in the sense that a regulated adviser, Evergreen Wealth Advisors, stands behind it. Registration brings public filings and a fiduciary duty, but it doesn't mean the SEC approves the advice. Evergreen.ai never holds your money, and you can look up CRD 326535 on the SEC's adviser search before you link accounts.
Is Evergreen.ai linked to other firms named Evergreen?
No, Evergreen.ai is linked only to Evergreen Wealth Advisors, CRD 326535, the adviser Bill Harris founded. Several unrelated advisers, lenders, and apps use the Evergreen name, including a general AI tools app called Evergreen AI on Google Play. Search the CRD on the SEC's adviser search before you sign anything with a firm called Evergreen.
Is there an Evergreen.ai app for iPhone or Android?
No, there's no Evergreen.ai app for iPhone or Android as of October 2026. Its launch announcement says it runs in mobile and desktop browsers, and you sign in at app.evergreen.ai. The Evergreen AI app on Google Play is a different product, so check the developer's name before you download anything called Evergreen.
Do you have to link your accounts to use Evergreen.ai?
No, you don't have to link your accounts to use Evergreen.ai. Its FAQ says you can start by asking questions and add accounts later, and linked accounts make the answers more personal. When you do link, it uses Plaid, and its launch announcement says your bank credentials are never shared with the AI.
What do Evergreen.ai reviews and complaints say?
Evergreen.ai reviews and complaints are scarce, because the app has been public only since September 2026. A Google search for Evergreen AI reviews in October 2026 mostly returned other companies, such as a marketing agency on Trustpilot. For complaints against the adviser itself, check the disclosures on its SEC adviser search page.
Does Evergreen.ai use your data to train AI?
No, Evergreen.ai says it doesn't use your personal financial information to train public AI models, and it doesn't sell that information. Its homepage says data is encrypted in transit and at rest. Read its privacy policy before you link accounts, so you know which service providers, such as Plaid, can see your data.
Does using Evergreen.ai make you a client of Evergreen Wealth Advisors?
No, using Evergreen.ai doesn't make you a client of Evergreen Wealth Advisors. Its site says an advisory relationship starts only when you sign an investment advisory agreement, which is how you'd join the managed-account program. Until then, you're using a self-service tool, so you decide what to do with each answer.
Sources
- https://adviserinfo.sec.gov/firm/summary/326535
- https://reports.adviserinfo.sec.gov/crs/crs_326535.pdf
- https://www.evergreen.ai/
- https://www.empower.com/products-solutions/personal-strategy
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