Evergreen AI (Evergreen.ai) is a free, browser-based AI financial planning app from Bill Harris, the former CEO of PayPal and Intuit, and it is offered by an SEC-registered investment adviser, Evergreen Wealth Advisors. Beta sign-ups get it at no cost through January 1, 2028. It calls its output “advice,” yet its own terms say using it does not make you an advisory client.

How we checked this

We read Evergreen.ai’s homepage, its Terms of Use summary page on the Evergreen support site, the September 21, 2026 launch release on Business Wire, launch coverage from FinTech Futures and WealthManagement.com, and the October 2025 release that introduced Evergreen Wealth. Everything about ChatGPT comes from OpenAI’s Finances help article and its May 2026 personal finance launch post. Quotes from the terms come from the summary page on Evergreen’s support site. The article also summarizes published hands-on reviews of Evergreen.ai by others, where they exist, and labels them as such. Facts checked on September 25, 2026, and every claim links to the page it came from.

What Evergreen.ai is and who is behind it

Evergreen.ai is a conversational planning tool. You link accounts, add what can’t be linked, and ask questions in plain English. The homepage describes a “Wealth Timeline,” one model that combines your accounts, taxes and goals, and lists planning areas: lifetime net worth projections, tax strategy, equity compensation (RSUs, ISOs, ESPPs, QSBS), retirement and income planning, estate analysis, real estate and charitable giving (Evergreen.ai). The launch release gives the fuller list. It covers short-term cash flow and retirement projections, security prices and watchlists, net worth tracking across linked bank, broker and credit accounts, mortgage calculators and rent-versus-buy, 401(k), IRA and Roth conversion analysis, college savings and financial aid, and tax-loss harvesting and charitable giving (Business Wire).

The founder is Bill Harris. The release describes him as a former CEO of PayPal and Intuit who has founded eight fintech companies, including Personal Capital, which it says grew to $23 billion in assets under management. His co-founder and CTO, Bryan Godwin, is credited with seven pending patents on the platform (Business Wire via Yahoo Finance). FinTech Futures reports that the app took three years to build and lists Harris’s earlier companies as Nirvana Money, Personal Capital, One and MyVest (FinTech Futures).

The company behind the app matters more than the résumé. Evergreen.ai is “a service of Evergreen Wealth Advisors, a privately held company headquartered in Miami” (Business Wire). Harris launched that firm in October 2025 as a digital registered investment adviser (RIA). It offered tax-aware investment management to affluent and high-net-worth clients through “Dynamic Portfolios” of individual securities, a form of direct indexing (Business Wire via FinancialContent). WealthManagement.com reports that Evergreen Wealth held about $112 million in total assets at the end of 2025 (WealthManagement.com). The free app therefore sits in front of a paid advisory business. The site says so directly: human adviser services and investment management “are available through Evergreen Wealth Advisors at a cost” (Evergreen.ai).

Availability and pricing

The pricing is simple for now. Anyone who registers during the public beta gets Evergreen.ai “at no cost through January 1, 2028,” and no credit card is required (Evergreen.ai; Business Wire). If you plan to build a long-term plan inside the app, count on a pricing decision arriving in a little over two years.

It runs in mobile and desktop browsers (Business Wire via Yahoo Finance), with the app itself at app.evergreen.ai (Evergreen.ai). The launch materials are written for “everyday Americans,” and the planning areas (401(k), Roth conversions, QSBS, U.S. financial aid) are U.S. concepts, so treat it as a U.S. product unless the sign-up flow shows otherwise.

Accounts connect through Plaid, and the release says “bank credentials are never shared with the AI” (Business Wire). Anything Plaid can’t reach, you can “add the rest yourself.” The site says data is encrypted in transit and at rest, is “not used to train public AI models,” and is never sold (Evergreen.ai). For what a Plaid link actually passes to an AI tool, see our privacy walkthrough of what AI assistants see in your bank data.

Advice or education? What Evergreen says in its own terms

Evergreen doesn’t pretend to be a general chatbot, and it doesn’t pretend to be your adviser either. It sits between the two, and the wording shows it.

The marketing leans toward advice. The release headline calls it an “AI-Powered Financial Advice App,” promises “personalized financial, retirement, investment and tax strategies,” and states that Evergreen.ai “is a service offered by Evergreen Wealth Advisors, a Registered Investment Advisor (RIA) and fiduciary” (Business Wire). The terms page describes the service as providing “financial advice based on information you provide” (Evergreen Terms of Use).

The legal text draws a tighter line. The same terms page says “use of Evergreen.ai does not by itself create an investment advisory relationship with Evergreen Wealth Advisors,” and that it “is not a substitute for advice from a licensed financial professional” (Evergreen Terms of Use). The homepage footer goes further. Using the app “does not make a user a client of Evergreen Wealth Advisors,” and “a full advisory relationship, including access to human advice and investment management, begins only when a user signs an investment advisory agreement.” It calls the app “self-service: you ask questions, and it responds based on the information you’ve shared” (Evergreen.ai).

Our reading of that wording, which is not a legal opinion: the fiduciary firm stands behind the product, but as a free user you are not the firm’s client, and the answers are only as good as the data you give them. The other standard disclosures are all there. It is “not legal, tax, insurance or estate planning counsel.” It is not a recommendation to buy or sell a security. Illustrative and expected returns and probability projections “are hypothetical and do not represent actual investment results.” And “all investing involves risk, including the possible loss of principal” (Evergreen.ai; Evergreen Terms of Use).

The site points to the firm’s SEC Investment Adviser Public Disclosure record (IAPD, firm 326535). To confirm the registration yourself, open that link or search “Evergreen Wealth Advisors” on adviserinfo.sec.gov and read the Form CRS.

How it says it works

Evergreen’s main technical claim is about arithmetic. The homepage says “numbers come from tested, rules-based calculations using up-to-date tax and financial figures” (Evergreen.ai). Godwin describes the design as pairing “probabilistic Large Language Models (LLMs) that excel at communication, with deterministic software that runs the actual calculations” (Business Wire). WealthManagement.com quotes him saying that software also “grounds each answer in current financial and tax knowledge” (WealthManagement.com).

That is a sensible response to a familiar failure, covered in our guide to where AI gets money wrong: a language model doing math in its head and getting it wrong with confidence. It doesn’t remove the risk, though. It moves it. A calculator is only as good as the inputs the language model pulls from your question, and Evergreen says as much, twice: “AI can make mistakes” (Evergreen.ai).

On what the app doesn’t do, Evergreen’s published pages describe a question-and-answer service. Investment management is a separate, paid relationship with the adviser (Evergreen.ai).

Evergreen.ai vs ChatGPT Finances, on paper

ChatGPT’s Finances feature is the closest mass-market comparison, and it reaches the question of advice from the other side. Every ChatGPT fact below comes from OpenAI’s own two pages.

Evergreen.ai ChatGPT Finances
Who offers it Evergreen Wealth Advisors, an SEC-registered adviser (Evergreen.ai) OpenAI, which says ChatGPT “is not a fiduciary, registered investment adviser, broker-dealer, tax preparer, or law firm” (OpenAI Help)
How it frames output “Financial advice based on information you provide,” with no advisory relationship until you sign an agreement (Evergreen Terms) “Informational and planning purposes only” (OpenAI Help); “not a replacement for professional financial advice” (OpenAI)
Price Free through January 1, 2028 for beta registrants (Evergreen.ai) Included for Plus and Pro users (OpenAI Help)
Availability Browser, mobile and desktop U.S. only, web, iOS and Android (OpenAI Help)
Account linking Plaid, plus manual entry (Evergreen.ai) Plaid, “more than 12,000 financial institutions” (OpenAI)
How numbers are made Rules-based calculation engine; LLM for language (Evergreen.ai) Defaults to GPT-5.5 Thinking (OpenAI)
What it can’t do Human advice is a paid add-on Cannot move money, pay bills, change settings or make trades (OpenAI Help)
Data after you leave Not used to train public models; never sold (Evergreen.ai) Synced data deleted from OpenAI and Plaid within 30 days of disconnecting (OpenAI Help)

The practical difference is where each draws the advice line. OpenAI draws it at the product: ChatGPT is not an adviser, full stop. Evergreen draws it at a contract: the product comes from an adviser, but you only become a client when you sign. On paper, Evergreen should go further on tax and retirement planning, and ChatGPT should be stronger on the everyday transaction view (spending by category, bills, subscriptions), which OpenAI’s help page lists as dashboard features. The steps and deletion windows for ChatGPT are in our guide to connecting your bank to ChatGPT via Plaid.

What people who used it found

The coverage so far reports the launch rather than the experience. Rachel Dalloo’s piece for Connect Money (September 24, 2026) looks at the app as a move by the RIA Evergreen Wealth into personal finance (Connect Money). Molly Snaylam at FinTech Global (September 22, 2026) and Karen Joy Bacudo at CFOtech (September 23, 2026) also cover the launch (FinTech Global; CFOtech). All three, like the FinTech Futures and WealthManagement.com articles cited above, draw on the company’s release and on statements from Harris and Godwin.

Where it goes wrong

From the documents alone, these are the three places to watch.

The advice line. This is the sharpest question for Evergreen. A tool that calls itself advice and is backed by a fiduciary may answer “should I sell this position?” more directly than ChatGPT will. The terms, though, say no advisory relationship exists for a free user. If the app gives you a specific instruction on contributions, a refinance or a sale, treat it as input for a conversation with a licensed professional or CPA, not as a decision.

Garbage in, precise numbers out. A deterministic engine gives clean, exact figures, and exact figures look more trustworthy than they are when the inputs are wrong. The app works from “the information you’ve shared,” so a missed account or a wrong cost basis carries straight into the plan (Evergreen.ai).

The 2028 cliff and the upsell. The app is free for a fixed window, and paid human advice and investment management sit one click away. That is a normal business model for a digital adviser. Just know which side of it you’re on.

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