PortfolioGPT

PortfolioGPT is a web tool that generates a model investment portfolio from a short set of inputs. A user enters the amount to invest, risk tolerance, time horizon and financial goals, and the service uses OpenAI models to return a suggested allocation within seconds, replacing hours of manual research and spreadsheet work. It is intended for beginner investors who want a structured starting point, experienced investors who want to compare several strategies quickly, and anyone saving toward retirement or a large goal who wants to reduce emotional bias in allocation decisions. Portfolios range from conservative to aggressive and can span stocks, ETFs, real estate and cryptocurrency. Paid plans add backtesting of a generated portfolio against historical performance and forward guidance. Supporting calculators include a retirement planner, an index analyzer, a sector breakdown and income planning. Pricing is published. A Free tier provides five credits per day and is supported by advertising. Monthly costs $3 per month with unlimited credits. Annual costs $27 per year, a 25 percent saving, and a Bundle for two or more users costs $50 per year. The vendor is explicit that it is not a licensed financial advisor and that the service is for educational purposes only, and it recommends consulting a certified advisor before acting on any generated portfolio.