Composer (now Composer by SoFi) is an AI investing platform that lets you build, backtest and automate trading strategies in plain English, without writing code. You can start from 2,000+ community strategies or ask its AI to create one. The Starter plan is $0 a month, and Advanced costs $10 a month.
What is Composer?
Composer is an automated investing platform where you build strategies, which it calls symphonies, using a visual no-code editor or its Trade with AI assistant. You describe your idea, such as rotating between ETFs based on momentum, and Composer turns it into rules you can test on historical data.
In 2026 SoFi acquired Composer and relaunched it as Composer by SoFi. Once you activate a strategy, Composer trades it automatically and rebalances your portfolio according to your rules. It executes the rules you define rather than making its own market calls, and it offers individual, retirement and business accounts.
Composer key features
Trade with AI
Describe a strategy in plain English and AI builds it for you.
No-code editor
Create rules-based strategies visually, no programming needed.
Backtesting
Test strategies on historical data before investing.
Automated trading
Composer executes trades and rebalances automatically.
Strategy library
Clone and adapt 2,000+ community-built strategies.
Portfolio of strategies
Run several automated strategies to diversify.
Retirement accounts
Automate strategies in IRA accounts.
API access
Pull data, run backtests and trade through the API on Pro.
Business accounts
Accounts for business entities with mark-to-market accounting.
Composer pricing plans (2026)
Composer has a free Starter plan and two paid plans for individuals, plus Business accounts. Regulatory fees apply to sales of securities.
Starter
Automate your first strategy, invest in strategies up to 200 nodes, Trade with AI and unlimited backtests.
Advanced
Automate up to 5 strategies, strategies up to 350 nodes and more Trade with AI usage.
Pro
Billed yearly ($384/yr). Up to 500 strategies, 10,000 nodes, full API access and priority support.
Business
For business entities with the largest strategies, IP ownership and API access.
Investing involves risk, including loss of principal; backtests do not guarantee future results. Check the latest prices and fees on the official Composer pricing page.
How to use Composer
- 1
Go to composer.trade and open a free account.
- 2
Describe a strategy to Trade with AI or pick one from the library.
- 3
Edit the rules in the no-code editor if needed.
- 4
Backtest the strategy on historical data.
- 5
Fund your account and activate the strategy to automate it.
Who should use Composer?
DIY investors
Turn investing ideas into automated rules.
Quant beginners
Learn systematic investing without coding.
Active traders
Automate rebalancing and tactical strategies.
Small businesses
Invest business cash with rules-based strategies.
Pros and cons
What we like
- Free Starter plan to begin automating
- No coding needed to build strategies
- Strong backtesting and strategy library
- Now backed by SoFi
Watch out for
- Backtests do not guarantee future results
- Strategy size and count limited on lower plans
- US-focused accounts
- Regulatory fees apply on sales
Best Composer alternatives
Composer is one of the easiest ways to build and automate rules-based trading strategies without code. The AI assistant and backtesting make systematic investing accessible, and the free Starter plan lets you try it with one strategy. Remember that a good backtest is not a promise of future returns.
Composer FAQs
Is Composer free?
Yes. The Starter plan costs $0 a month and lets you automate your first strategy.
How much does Composer cost?
Advanced costs $10 a month and Pro costs $32 a month billed yearly. Business accounts are custom.
Who owns Composer?
Composer was acquired by SoFi and now operates as Composer by SoFi.
Does Composer use AI to trade?
Its AI helps you build strategies, but Composer executes the rules you define rather than making its own market calls.
Can I backtest strategies on Composer?
Yes. You can build and backtest unlimited strategies on every plan.
Is Composer a financial advisor?
No. Composer is a self-directed platform; this is not financial advice.
