← Back to Documentation
Plans & Limits
What you can run anonymously, what a free account adds, and what Pro unlocks, tool by tool.
How Access Works
ArthaPilot has three access levels. Core research tools run without an account so you can evaluate results before signing in. A free account adds saving and higher limits. Pro unlocks tax-aware household workflows, monitors, exports, and heavier simulations.
- Anonymous: backtests, Monte Carlo, the Optimizer, the Signal Analyzer, and most calculators run without signing in. Anonymous runs share a small daily compute budget in addition to the per-tool caps below.
- Free account: saving analyses and strategies, the personal tax profile, household setup, and higher daily limits.
- Pro: tax-aware household runs, the three planners, monitors with email alerts, CSV exports, PDF reports, private saves, and the highest limits.
Portfolio And Research Tools
| Tool | Anonymous | Free account | Pro |
|---|---|---|---|
| Portfolio Backtest | Runs, up to 3 portfolios with 2 sleeves each | Up to 10 portfolios with 5 sleeves each | Unlimited portfolios, up to 100 sleeves each |
| Monte Carlo | 3 runs per day, 10,000 paths per run | 5 runs per day, 10,000 paths per run | No daily cap, up to 100,000 paths; tax-aware mode |
| Portfolio Optimizer | Runs | Runs, saving | Runs, saving, exports |
| Signal Analyzer | Runs | Runs, saving | Runs, saving, exports |
| Asset Analyzer | Up to 3 tickers | Up to 10 tickers, PCA tab | Unlimited tickers |
| Factor Regression | Runs | Runs, saving | Runs, saving, exports |
| Match Factor Exposure | Sign-in required | 5 candidates per run, 10 runs per day | 25 candidates per run, no daily cap |
| Strategy Builder (Tactical) | Sign-in required | Build, backtest, and save up to 10 strategies | Unlimited strategy saves, exports |
| Rebalancing Comparison | Sign-in required | 100 sweep combinations (24 tax-aware), 3 sleeves | 10,000 combinations (400 tax-aware), unlimited sleeves |
| LETF Analysis / Leverage Calculator | Runs | Runs | Runs, exports |
Planning, Tax, And Monitoring Tools
| Tool | Anonymous | Free account | Pro |
|---|---|---|---|
| Tax Rates / AMT Calculator / Compensation Planner / Pre-Tax vs Roth | Runs | Runs, tax-profile autofill | Runs, exports |
| Tax Profile & Accounts (setup) | Sign-in required | Full setup: accounts, tax context, holdings | Full setup |
| Portfolio Dashboard | Sign-in required | Overview, drift, warnings, live strategy state | Adds monitors and email alerts |
| Household Tax Opportunities | Sign-in required | Full diagnostic and review workflow | Adds CSV exports and the review bundle |
| Tax-Aware Allocator | Sign-in required | Configuration and preview | Runs the multi-account tax-aware backtest |
| Asset-Location Backtester / Auto-Optimizer | Sign-in required | Configuration and preview | Runs comparisons and placement proposals |
| Retirement Planner | Configuration and preview | Configuration and preview | Runs plans |
| Roth Conversion Planner | Sign-in required | Configuration and preview | Runs multi-year conversion schedules |
| Decumulation Studio | Sign-in required | Configuration and preview | Runs joint conversion and withdrawal optimization |
| Planning Comparison | Sign-in required | Pro required | Composes saved planner runs side by side |
| Monitors (signals, drift, tax-loss, freshness) | Sign-in required | Hub visible; monitors are Pro | Scheduled evaluation and email alerts |
| Live Signals dashboard | Public signal states | Adds your own live strategies | Adds email alerts per strategy |
Workspace And Export Limits
| Tool | Anonymous | Free account | Pro |
|---|---|---|---|
| Saved analyses | Not available | 10 | Unlimited |
| Saved strategies | Not available | 10 | Unlimited |
| Saved comparisons | Not available | 25 | Unlimited |
| Research tickers | Not available | 5 | Unlimited |
| Private saves | Not available | Not available | Included |
| CSV exports | Not available | Not available | Every result surface |
| Custom data upload | Not available | Not available | Up to 50 series |
| Summary PDF (watermarked, one page) | 3 per day | 10 per day | Uncapped |
| Advisor PDF reports | Not available | Not available | Portfolio and tactical share replays |
| Email me this analysis | 5 per day | 5 per day | 5 per day |
Notes
- Tier-gated tools always show their full configuration form. The gate replaces the result area with a preview and an upgrade or sign-in prompt, so you can see exactly what a run would take before committing.
- Rate limits also apply per minute to protect shared capacity; they are separate from the daily caps above and rarely visible in normal use.
- Current pricing lives on the pricing page. This page tracks functional limits, which can change between releases; the changelog records limit changes.
If a run fails with a limit message, the fastest checks are: are you signed in, is the tool Pro-gated, and has the daily cap reset. Caps reset daily; monthly quotas are not used.