Count more than the advertised subscription
An AI trading setup can have four costs: the app, model usage, broker charges and the investments themselves. “Commission-free” says nothing about the first two, fund expenses or the spread between buying and selling prices.
For example, Robinhood’s hosted agents charge for model tokens. An external assistant may instead have a subscription or API bill. Check whether one includes the other before adding them together.
What Agency costs
Nothing. Chat, plans, first looks and reviews are free, however many agents you run and however often they review. Agency does not charge commissions, a share of your account or a share of returns.
The costs that remain are your broker’s, the funds’ and the taxman’s: spreads, any broker fees, fund expense ratios, and taxes on gains and dividends. The tax guide covers the last of those.
Small accounts still need a cost budget
Agency’s $10 funding minimum is a technical minimum. Frequent trading in a small account is paid for in spreads and taxes, not in app fees, so match review frequency to the job: a long-term allocation may not need a fresh decision every weekday.
If you only need fixed purchases, the broker’s recurring investment feature may be simpler. The schedule and pause guide explains the controls.