Pricing
One plan. €19 a month.
There is no free tier, no annual discount and no enterprise call to book. There is one product, and this is what it costs.
vest101 Pro
€19/month
Everything in the product, for one person, billed monthly.
- Billed monthly in EUR through Stripe.
- Cancel any time — access runs to the end of the period you have paid for.
- No free trial.
What is included
- Trading 212 and Interactive Brokers sync
- Bitcoin address, gold and crypto tracking
- Dividend analytics by month, ticker and source
- Dividend calendar with ex-dividend and payment dates
- AI advisor over your real holdings
- Three research agents on a schedule
- Curated feed from the X accounts you choose
- Proposal inbox with monthly buy and sell recommendations
- Weekly Monday report
- 29-entry knowledge base, editable
- Configurable agent prompts and strategy settings
- Full English and Spanish interface
What it does not do
- Place trades. Broker access is read-only, by design.
- Hold your money. vest101 is not a broker and not a custodian.
- Give financial advice. It produces analysis; the decisions are yours.
- File your taxes. It is not a tax reporting tool.
How billing works
Stripe handles the payment
Card details are entered on Stripe’s own checkout and never touch vest101. We store the subscription status, not your card.
Cancel from your account
Cancelling stops the next renewal. Access continues to the end of the period you have already paid for, then the paid features close and your data stays put.
Access is time-bounded, not status-bounded
Entitlement is checked against the period you paid for on every request, rather than against a flag set by a webhook. A payment event that never arrives cannot leave you locked out — or leave a cancelled account open.
Questions
Questions about the plan
Can vest101 place trades on my behalf?
No. It connects to your broker with read-only API access — it reads positions, transactions and dividend history, and that is the whole surface. It cannot buy, sell, transfer or withdraw.
When an agent recommends a purchase, the recommendation is a proposal in your Inbox. You execute it yourself, at your broker, if you agree with it.
Which brokers does it support?
Trading 212 and Interactive Brokers. Alongside them you can track Bitcoin addresses, gold and other crypto holdings, so the portfolio total is the whole picture rather than the part that happens to sit at a broker.
What happens to my broker API keys?
They are encrypted at rest with AES-GCM and only decrypted at the moment a sync runs. Lookups use a keyed blind index, so finding your credentials never requires decrypting anyone else’s.
You can revoke a key at your broker at any time; vest101 will report the source as failing to sync rather than silently showing you a stale figure.
Is there a free trial?
No. There is one plan at €19/month, billed through Stripe, and you can cancel at any time from your account. We would rather say that plainly than advertise a trial that does not exist.
What happens if I cancel?
Access continues to the end of the period you have already paid for, and then stops. Your data is not deleted when the subscription ends — if you resubscribe, your history is still there.
Is this financial advice?
No. vest101 is a tracking and research tool. The advisor and the agents produce analysis and proposals, and analysis is not advice — no one at vest101 knows your circumstances, and nothing the product outputs takes them into account.
Which languages does it work in?
English and Spanish, throughout — including the advisor, which answers in the language you ask in.
Where does the AI run, and does it see my portfolio?
The advisor and the agents are built on Grok. To answer a question about your holdings, the relevant part of your portfolio is included in the request — that is what makes the answer about you rather than about the market in general.
Your data is not used to train any model, and the advisor has no access to another user’s portfolio.
Ready when you are
Create an account, connect a broker, and see your first reconciled total before you decide anything else.