Plans & limits
What you can run anonymously, what a free account adds, and what Pro adds, tool by tool.
On this page
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 adds 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. Each of the three planners allows one run each day.
- Pro: tax-aware household runs, unlimited planner runs, 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. Each portfolio can have up to 100 sleeves. |
| Extended-history (.SIM) tickers | BND.SIM, GLD.SIM, IEF.SIM, QLD.SIM, QQQ.SIM, SPY.SIM, SSO.SIM, TLT.SIM, TMF.SIM, TQQQ.SIM, UPRO.SIM, VTI.SIM | Every .SIM ticker | Every .SIM ticker |
| Monte Carlo | 10 runs per day, 10,000 paths per run | 25 runs per day, 10,000 paths per run | No daily cap. Up to 100,000 paths and 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 | 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 | 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 |
| Household | 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 | One run each day, without glidepaths or sweeps | Runs plans, glidepaths, and sweeps without a daily limit |
| Roth Conversion Planner | Sign-in required | One run each day | Runs multi-year conversion schedules without a daily limit |
| Decumulation Studio | Sign-in required | One run each day, without the marginal surface or year drill | Runs joint conversion and withdrawal optimization without a daily limit |
| Planning Comparison | Sign-in required | Pro required | Composes saved planner runs side by side |
| Monitors (signals, drift, tax-loss, household) | Sign-in required | One allocation drift monitor with email alerts | Unlimited monitors and every monitor kind |
| Live Signals public catalog | Public signal states | Same as anonymous | Same as anonymous |
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 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. You see exactly what a run would take before you commit.
- Per-minute rate limits protect shared capacity. They are separate from daily caps. In most cases, users do not see them during normal use.
- Current pricing is on the pricing page. This page tracks functional limits. The changelog records limit changes.
If a run gives a limit message, check your sign-in status, the tool tier, and the daily cap. Caps reset daily. Monthly quotas do not apply.