Compare Top Robo-Advisors

Hands-off investing. These platforms build and manage a diversified portfolio for you, usually for a fraction of the cost of a mutual fund.

Data Driven Algorithmic Integrity

We deploy rigorous data analysis to index and score the market. Our recommendations are derived from raw data, ensuring zero bias from advertiser influence.

You Are The Priority

We strive to be the smartest financial friend you have. Our goal is to save you money, not upsell you junk.

How We Stay Free

Ads pay the bills, but our Math runs the show. See our "No-Nonsense" Disclosure

FULL TRANSPARENCY

Platform Integrity & Transparency Standards

A comprehensive overview of our business model, data ethics, and commitment to unbiased service.

The Reality Check

RateBuddy is free for you to use, but it does cost money to run. To cover our expenses, we earn revenue through advertisements and sponsorship placements. This means our partners often compensate us when you click a link or apply for a product through our site. Importantly, this does not change our product ratings, rankings, reviews, or opinions. We strive to show you the most options possible so you can make informed decisions.

Our Total Loyalty Commitment

Our obligation to you supersedes any business relationship. This applies to everything we do—from the code that sorts rates to the advice in our guides. If a product has excessive fees, we expose them. If a service is outdated, we flag it. We are built to be your advocate, ensuring you always have the full, unvarnished picture.

We Can't Cover Everything

While we strive to scan the entire market, the financial world is massive. We might not list every single credit union or local bank in existence. However, we work tirelessly to present the most competitive offers available in Canada.

Our Editorial Independence

Our opinions are our own. If a card has a terrible fee, we’ll tell you. If a bank has a glitchy app, we’ll warn you. Our loyalty is to your wallet, because if you don't trust us, you won't come back. And we really want you to come back.

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Wealthsimple
Wealthsimple
Invest
ROBO ADVISOR
4.9/5
RateBuddy
4.6
Google
Hybrid Advice
All-In Cost
~0.59%
(Mgmt Fee + MER)
0.50%
Mgmt Fee
$0
Min. Deposit
Passive Indexing
Strategy
0.09%
Avg. MER
Socially Responsible Investing Halal Portfolios Tax-Loss Harvesting Human Financial Advice
Inquire View Details
Highlights
Socially Responsible Investing (SRI)
Automatic Rebalancing
Goal-Based Investing
Access to Human Advisors
Dividend Reinvestment (DRIP)
Questrade
Questwealth
Portfolios
ROBO ADVISOR
4.8/5
RateBuddy
3.2
Google
Digital Only
All-In Cost
~0.62%
(Mgmt Fee + MER)
0.50%
Mgmt Fee
$1k
Min. Deposit
Active Mgmt
Strategy
0.12%
Avg. MER
Socially Responsible Investing
Inquire View Details
Highlights
Socially Responsible Investing (SRI)
Automatic Rebalancing
Mobile App (iOS & Android)
CIPF Protected
Best for Beginners
Ju
Justwealth
ROBO ADVISOR
4.8/5
RateBuddy
Hybrid Advice
All-In Cost
~0.70%
(Mgmt Fee + MER)
0.50%
Mgmt Fee
$5k
Min. Deposit
Passive Indexing
Strategy
~0.20%
Avg. MER
Tax-Loss Harvesting Human Financial Advice
Inquire View Details
Highlights
Automatic Rebalancing
Goal-Based Investing
Access to Human Advisors
U.S. Dollar (USD) Accounts
Dividend Reinvestment (DRIP)
Qtrade
Qtrade
Guided
Portfolios
ROBO ADVISOR
4.5/5
RateBuddy
Digital Only
All-In Cost
~1.05%
(Mgmt Fee + MER)
0.50%
Mgmt Fee
$2k
Min. Deposit
Passive Indexing
Strategy
< 0.15% (0.72% - 0.96% SRI)
Avg. MER
Socially Responsible Investing
Inquire View Details
Highlights
Socially Responsible Investing (SRI)
Automatic Rebalancing
Goal-Based Investing
Mobile App (iOS & Android)
CIPF Protected
CI Financial
CI
Direct
Investing
ROBO ADVISOR
4.5/5
RateBuddy
4.6
Google
Hybrid Advice
All-In Cost
~0.70%
(Mgmt Fee + MER)
0.50%
Mgmt Fee
$100
Min. Deposit
Passive Indexing
Strategy
0.17% - 0.23% (Private 0.49%+)
Avg. MER
Human Financial Advice
Inquire View Details
Highlights
Automatic Rebalancing
Goal-Based Investing
Access to Human Advisors
CIPF Protected
No FX Fee
RBC Royal Bank
RBC
InvestEase
ROBO ADVISOR
4.4/5
RateBuddy
4.2
Google
Hybrid Advice
All-In Cost
~0.67%
(Mgmt Fee + MER)
0.50%
Mgmt Fee
$100
Min. Deposit
Passive Indexing
Strategy
0.11% - 0.23%
Avg. MER
Socially Responsible Investing Human Financial Advice
Inquire View Details
Highlights
Socially Responsible Investing (SRI)
Automatic Rebalancing
Goal-Based Investing
Access to Human Advisors
Mobile App (iOS & Android)
BMO Bank of Montreal
BMO
SmartFolio
ROBO ADVISOR
4.2/5
RateBuddy
1.3
Trustpilot
4.1
Google
Hybrid Advice
All-In Cost
~0.78%
(Mgmt Fee + MER)
0.50%
Mgmt Fee
$1k
Min. Deposit
Active Mgmt
Strategy
0.20% - 0.35%
Avg. MER
Human Financial Advice
Inquire View Details
Highlights
Automatic Rebalancing
Goal-Based Investing
Access to Human Advisors
Mobile App (iOS & Android)
CIPF Protected
Mo
ModernAdvisor
ROBO ADVISOR
4.0/5
RateBuddy
Digital Only
All-In Cost
~0.69%
(Mgmt Fee + MER)
0.50%
Mgmt Fee
$1k
Min. Deposit
Passive Indexing
Strategy
0.15% - 0.23%
Avg. MER
Socially Responsible Investing
Inquire View Details
Highlights
Socially Responsible Investing (SRI)
Automatic Rebalancing
Practice Account / Demo Mode
Mobile App (iOS & Android)
CIPF Protected
Ne
Nest
Wealth
ROBO ADVISOR
3.9/5
RateBuddy
3.0
Google
Digital Only
All-In Cost
~0.75%
(Mgmt Fee + MER)
0.50%
Mgmt Fee
$0
Min. Deposit
Passive Indexing
Strategy
~0.13% (0.06% - 0.37%)
Avg. MER
Inquire View Details
Highlights
Automatic Rebalancing
Goal-Based Investing
CIPF Protected
Passive Indexing
CIRO Member
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