# What to use instead of Roi

Roi, the iOS net-worth app with an AI assistant, closed on 15 October 2025 after OpenAI bought it. What now covers its account linking and its AI.

*https://stockmarketstack.com/alternatives/roi*

## The subject

| Field | Value |
| --- | --- |
| Product | Roi |
| Status | retired |
| Stopped serving | 2025-10-15 |
| Website | https://getroi.app |
| Category | Stock Portfolio Trackers |

An iOS app that linked existing brokerage, bank and crypto accounts into one net-worth view, with an AI assistant that answered questions about them.

## Replacements

*Ordered by how much of the original’s job each one covers, closest first. Paid placement does not affect this order.*

1. [Kubera](https://stockmarketstack.com/tools/kubera.md) — The nearest in scope. Banks, brokerages, wallets and property on one balance sheet with an iPhone app, and ChatGPT or Claude connected over MCP.
2. [getquin](https://stockmarketstack.com/tools/getquin.md) — Free, unlimited bank and broker connections, Robinhood, Fidelity, E-Trade and Chase among them, rolled into one net-worth figure; its AI is paid.
3. [Delta](https://stockmarketstack.com/tools/delta.md) — A phone app that syncs brokers, exchanges and wallets on its free plan, for a Roi book that mixed stocks and crypto; free stops at 10 assets.
4. [Wealthfolio](https://stockmarketstack.com/tools/wealthfolio.md) — An AI assistant that answers questions about your portfolio from a database on your own device, with a local model or your own API key.
5. [Stock Events](https://stockmarketstack.com/tools/stock-events.md) — Phone-first, with an AI chat that answers questions about your holdings, five messages a day for free; broker sync is a separate weekly add-on.
6. [Snowball Analytics](https://stockmarketstack.com/tools/snowball-analytics.md) — For Roi's projected dividend income, a payout calendar and forward income over linked brokerages, with an MCP server on its Expert plan only.

## The product

Roi was a phone app for people with money in too many places. Its home page, captured by the
Internet Archive on 15 August 2025, called it "Your AI financial assistant" and sold it as a way to
"track, trade, and grow your net worth with your existing accounts". You linked brokerages and
banks through Plaid, exchanges such as Coinbase, and self-custody wallets through WalletConnect,
and Roi priced the lot in one net-worth view; the same page claimed support for over 1,000
brokerages and banks, Robinhood, Fidelity, Charles Schwab and E*Trade named among them. Cash, real
estate and collectibles went in alongside, with dividend projections, allocation breakdowns and
benchmark comparisons on top. It ran on iOS only, by its own FAQ, and the site's footer named the
publisher as Vega Corp.

The AI was the headline: "personalized, real-time AI financial analysis, research and education",
in other words a chat that already knew what you held because it sat on your linked accounts. Roi
also forwarded buy and sell orders to the brokerages you had connected, and offered copy trading
of published portfolios.

**What happened.** The dates come from Roi's own pages, as archived.

- **3 October 2025.** The home page was replaced by a notice headed "Roi has been acquired by
  OpenAI", signed by its four members, which said Roi would wind down operations that month
  "with our final day of service on October 15, 2025". The Internet Archive captured the shutdown
  FAQ at 22:15 UTC that day, marked as updated that day, and the home-page notice minutes after
  midnight UTC, still 3 October in New York. The FAQ stopped new subscriptions, told users to download their financial data before the
  shutdown, promised that remaining data would be permanently deleted within 30 days of it, and
  said OpenAI would have no access to it. Stripe subscriptions were to be refunded automatically for the unused part; Apple
  ones had to be refunded through Apple.
- **By 6 October 2025.** The FAQ had added Roi's own recommendations: Monarch Money, a budgeting
  and tracking app this catalogue does not list, with instructions for importing the Roi CSV into
  it, and a separate copy-trading app. The download itself was described by then as a CSV, sent as
  an emailed link triggered from inside the app.
- **15 October 2025.** The last day of service.

Twelve days of notice. Roi's notice says "we're thrilled to join OpenAI", over all four names,
and no more. TechCrunch reported on 3 October 2025, citing one unnamed source, that only the chief
executive was joining and that terms were not disclosed. Roi itself never said which it was.

## What to use instead

Expect to rebuild rather than switch. Roi did its jobs from one set of linked accounts, and
nothing in this catalogue does all of them in one iPhone app, so split them.

**Linked accounts and one net-worth number.** [Kubera](https://stockmarketstack.com/tools/kubera) is the nearest in scope:
banks, brokerages, crypto wallets and property on one balance sheet, connected through several
aggregators rather than one, with iPhone and Android apps. It is also the most expensive pick here,
250 dollars a year with no free tier on the vendor's homepage on 27 October 2026.
[getquin](https://stockmarketstack.com/tools/getquin) is the only pick that links banks and brokers for nothing: its free plan
carries unlimited bank and broker connections, and its help centre documents Robinhood, Fidelity,
E-Trade, Tastytrade and Chase. It is built in Berlin for European investors, though, prices US
holdings from a German venue, and has no export at all.

**Holdings across brokers and wallets, on the phone.** [Delta](https://stockmarketstack.com/tools/delta) syncs brokers,
exchanges and wallets read-only, and its App Store listing on 27 October 2026 put unlimited
connections on the free Basic plan, with 10 tracked assets before the paywall. It is the nearest
pick to the stocks-plus-crypto mix that several testimonials on Roi's own home page singled out. A book that is
mostly wallets and exchange accounts belongs to our sister site, CryptoMarkets.tools.

**Asking questions in plain language.** [Wealthfolio](https://stockmarketstack.com/tools/wealthfolio) has a built-in assistant that, by its documentation,
answers questions about positions, accounts, cash, performance and income by querying your local
database, with a model run on your machine through Ollama or your own key for a hosted one. [Stock
Events](https://stockmarketstack.com/tools/stock-events) has an AI chat that answers from whichever watchlist you have selected,
such as which holdings weigh most or pay the most dividends. Delta's assistant writes summaries
personalised to your holdings, metered by the month. [Kubera](https://stockmarketstack.com/tools/kubera) and [Snowball
Analytics](https://stockmarketstack.com/tools/snowball-analytics) take the other route: you bring ChatGPT or Claude and connect
it over MCP. [Parqet](https://stockmarketstack.com/tools/parqet) has a read-only MCP server too, but it is built around German
brokers. The [AI tools collection](https://stockmarketstack.com/collections/ai-tools) lists the rest.

**Dividends.** If the screen you opened most was Roi's projected dividend income, Snowball
Analytics is built around that: a payout calendar and forward income, with brokerage linking from
its paid Starter plan.

The trading half has no pick. Every product here is a tracker and places no orders, and copy
trading is outside what this catalogue covers.

## What you give up

**Banks, brokers, exchanges and wallets in one iOS app.** Roi's pitch was every account behind
one login, and its help centre documented a Premium plan, so do not remember it as free. Among the
picks, getquin is the only one that links both banks and brokers on a free plan, and it is a
European product with a German price feed. Kubera links everything and costs 250
dollars a year. Delta's free plan reaches brokers, exchanges and wallets but its App Store listing
names no banks, and it stops at 10 assets.

**An assistant that already knew your accounts.** Roi's AI came with the app and sat on top of the
connections you had made. Stock Events and Delta come closest, and both ration it: five messages a
day free on Stock Events, three uses a month on Delta's free plan, per Stock Events' pricing page and
Delta's App Store listing on 27 October 2026. Wealthfolio's assistant is free but needs a model you run or pay for. getquin keeps
its AI analysis for Premium, at 89.99 euros a year, and its AI agents for Wealth, at 149.99, on its
pricing page the same day.
Snowball's MCP server is only on Expert, 249.99 dollars a year on its pricing page on 27 October
2026, and Kubera's needs the annual subscription.

**Trading from the same screen.** Roi sent orders to the brokerages you had linked, so you could
look and act without switching apps. None of the picks does. You are back to one app per broker for
placing orders, with a tracker beside them.

## Migration notes

**The Roi CSV is not a broker statement.** Roi's FAQ called it "your financial data in CSV
format" and described no columns beyond telling Monarch users to check for a date and a
description; it went to whoever downloaded it before 15 October 2025, and anything left on Roi's
servers was due for deletion within 30 days. For a tracker that computes cost basis and returns,
fetch the full trade history from each broker instead
— see [exporting broker trade history](https://stockmarketstack.com/how-to/export-broker-trade-history) and [importing a broker
CSV into a portfolio tracker](https://stockmarketstack.com/how-to/import-a-broker-csv-into-a-portfolio-tracker).

**An account that linked to Roi may not link elsewhere.** Roi used Plaid. Wealthfolio and Stock
Events go through SnapTrade, Snowball through Yodlee and SnapTrade, Delta through Powens, SnapTrade
and eToro, Kubera through several aggregators chosen per institution, and getquin through
open-banking connections it documents broker by broker. Check your own brokerage and bank by name on the pick's list before paying for sync.

**Know what a chatbot can see and change.** Wealthfolio's documentation says a hosted model receives
the conversation, your questions and the tool results, though not the raw database, and that a
local Ollama model keeps all of it on your machine. Kubera's MCP setup guide, updated 18 October
2026, says the assistant can create and update assets, debts and cash flows, not only read them, so
decide what you let it write before you connect it.

**Expect the totals to move.** A different price source, FX rate and refresh schedule will not
reproduce Roi's last number; [why your tracker and broker disagree](https://stockmarketstack.com/guides/why-your-tracker-and-broker-disagree)
covers which differences are bugs and which are definitions.

## FAQ

### When exactly did Roi shut down?

Its final day of service was 15 October 2025. Roi posted a shutdown FAQ on 3 October 2025 and replaced its home page with an acquisition notice by that evening, US time, both captured by the Internet Archive, saying it had been acquired by OpenAI and would wind down that month. It stopped taking new subscriptions and kept support open until 31 October 2025.

### What happened to my Roi data?

Roi's shutdown FAQ offered a CSV download from inside the app until 15 October 2025 and said all remaining data would be permanently deleted within 30 days of the shutdown. It also said OpenAI would not have access to any of it. If you did not download the file before the app closed, there is nothing left to retrieve; your brokers and banks still hold the underlying history.

### Did OpenAI keep the Roi app running?

No. Roi's own notice says the app was wound down as part of the acquisition and names no successor product. The notice, signed by all four of the team, says they were joining OpenAI; TechCrunch reported on 3 October 2025, citing one source, that only the chief executive was, and that terms were not disclosed.

### Is there a free app that does what Roi did?

Not one app. getquin links banks and brokers for free but charges for its AI. Delta's free plan syncs brokers, exchanges and wallets with three AI uses a month, capped at 10 assets. Stock Events gives five AI messages a day free for up to 15 stocks without broker sync. Wealthfolio is free with an AI assistant, but you supply the model and broker sync is paid.

### Was Roi free?

Roi's own pages disagree. Its home page in August 2025 said in one answer that the app was entirely free and in another that it charged a small subscription fee, while also offering a month free with a promo code. Its help centre, in a copy captured on 10 September 2025, documented a Roi Premium plan billed monthly or annually with a free trial, and the shutdown FAQ refunded Stripe subscriptions and sent Apple subscribers to Apple, so paid plans did exist. We found no primary source stating the price.