Autopilot and Plutus: what each one is, and what to compare

I'm Chris, one of the co-founders of Autopilot. First, the name confusion, because there's more than one company called Plutus.

This page is about the investing platform at runplutus.com, not the rewards card company. With that settled, here's how the two compare.

One thing first, because we're an SEC-registered investment adviser and I have to say it. Autopilot is the app. The actual investment advice comes from Autopilot Advisers, LLC. If you want the full legal version of anything in here, it's on our disclaimer page.

1) What Plutus is

On its own website, as read on September 23, 2026, Plutus describes itself as building holistic, actively managed portfolios using independent research, and executing the strategy in your own brokerage account.

So Plutus runs its own portfolios, drawing on independent research, inside an account you already hold.

2) What Autopilot is

Autopilot is an app where you follow a Portfolio in the brokerage account you already have. Autopilot Advisers, LLC is a registered investment adviser. You give Autopilot Advisers limited authority to send orders to the account you already have. When the Portfolio changes, we send them and your broker fills them. The money stays put.

The Portfolios come from many sources: independent Pilots who create and manage their own, AI-model Portfolios run by Pilots, and trackers Autopilot builds on public SEC filings.

3) Where they actually differ

The shared idea is the same: your money stays in your own brokerage account, and somebody else's strategy runs in it. The difference is where the strategies come from.

Plutus describes building its own actively managed portfolios. Autopilot is a marketplace, where many independent Pilots publish Portfolios and you choose among them, plus Autopilot's own trackers.

One model gives you a curated house view. The other gives you a range of people to choose from. Which you want is a preference, not a question of which is better.

4) What to compare

Who's making the decisions, and can you see how.

What the record is built from, and for how long.

Which brokerages each one works with, since that decides whether you can use it at all.

How the fees work and what they come to at your balance. For Autopilot, that math is in What Autopilot's fee actually means at your balance.

5) What it costs

On Autopilot: A flat cash subscription, not a percentage of your balance. Per our Form CRS dated February 2026, Basic Tier has no Base Advisory and Licensing Fee, and Premium Tier is $29.99 to $199.99 a quarter or $99.99 to $699.99 a year. Pilot subscriptions are separate and add on for each Pilot you subscribe to. Because it's a flat dollar amount, it's a bigger share of a small account than a big one, so do the math at your balance.

I'm not going to tell you we're better, because that isn't something I can prove to you.

TLDR: Plutus, the investing platform at runplutus.com, builds its own actively managed portfolios and runs them in your brokerage account. Autopilot is a marketplace of Portfolios from many independent Pilots, plus its own trackers, also in your own account. Compare who decides, the record, brokerage support, and cost.

Frequently asked questions

Autopilot vs Plutus

Both run strategies in your own brokerage account. Per its website, Plutus builds its own actively managed portfolios using independent research. Autopilot is a marketplace where many independent Pilots publish Portfolios, alongside Autopilot's own trackers.

Plutus alternatives

Autopilot is one, if you want to choose among Portfolios from many Pilots rather than follow a single house strategy. Compare who makes the decisions, what the record is built from, which brokerages are supported, and the cost at your balance.

Is Autopilot or Plutus better for following investors in my own brokerage?

I won't claim either is better. Plutus offers its own curated portfolios; Autopilot offers many Pilots to choose from. Check brokerage support, how the records are built, and the fees at your balance.

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Since Autopilot Advisers is an SEC-registered investment adviser, we have to put disclaimers on stuff like this. They're below, and the full version is on our disclaimer page.

Disclosures

© Autopilot Holdings Corporation 2026 — All rights reserved. “Autopilot” refers to Autopilot Holdings Corporation and its wholly-owned, and separately managed subsidiaries, including Autopilot Advisers, LLC, an SEC-registered investment adviser. All investing is subject to investment risks, including possible loss of the principal invested, and past performance is not indicative of future results. View our Customer Relationship Summary and other important information at joinautopilot.com/disclaimer.

This information is provided by Autopilot for educational and illustrative purposes only and is not a recommendation, an offer to sell or the solicitation to buy any security. Autopilot relies on information from various sources believed to be reliable, including information from Clients, Pilots and other third parties, but cannot guarantee the accuracy or completeness of that information. Autopilot does not provide tax or legal advice and you are encouraged to consult with professionals before making investment decisions.

Autopilot is not affiliated with, sponsored, or endorsed by the companies listed, described, or featured on its site. Company logos or trademarks used do not imply endorsement and are the property of their respective owners.

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and time horizon before investing through Autopilot.

Autopilot Advisers, LLC is an SEC-registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Additional information about Autopilot is available in our Form ADV Part 2A, available at adviserinfo.sec.gov or joinautopilot.com/adv.

Autopilot provides limited investment advisory services focused on Portfolio selection and suitability assessment. Our services are not intended to replace comprehensive financial planning. We recommend consulting with a qualified financial advisor regarding your complete financial situation.

This content is provided for educational and informational purposes only. It does not constitute investment, legal, or tax advice and should not be relied upon as the basis for any investment decision. You should consult with qualified professionals regarding your specific circumstances.

Autopilot does not provide tax, legal, or accounting advice. You should consult with qualified tax and legal professionals regarding your specific circumstances.

Autopilot does not hold client assets. All investments are held at the brokerage firm you select and connect to Autopilot. Your brokerage firm is responsible for trade execution, custody, and reporting. Autopilot is not responsible for your broker-dealer’s services, fees, or execution quality.

Autopilot’s services depend on technology systems, third-party APIs, and internet connectivity. System outages, API disruptions, or connectivity issues may temporarily affect service availability or trade execution timing.

Client account holdings are designed to track the Portfolio you’ve selected, but your actual holdings and performance may differ from the Portfolio due to execution timing, market conditions, brokerage capacity constraints, fractional share availability, and other factors outside Autopilot’s control.

For Portfolios inspired by publicly disclosed trading activity, there may be a delay between when a Pilot executes a trade and when that trade becomes publicly available and is incorporated into the Portfolio. This timing delay may affect the suitability or performance of trades when executed in client accounts.

Plutus is not affiliated with Autopilot and has not endorsed it. Descriptions of third-party services are based on that service's own public website as read on September 23, 2026 and may change. Nothing here is a claim that any product is best. Fee amounts are quoted from Form CRS dated February 2026 and may change.