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Composer

from $32/mo (billed yearly)

Composer: Composer by SoFi is an AI-powered, no-code trading platform to build, backtest, and automate investment strategies. Pricing: from from $32/mo (billed yearly). (data verified July 2026)

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About Composer

What Does Composer Do?

Composer is an AI-assisted trading platform that lets you build, backtest, and automate investment strategies—without writing any code. Describe your goals or risk tolerance in plain language, and its AI editor generates a trading algorithm. You can also choose from pre-built strategies and customize them using a visual, no-code editor.

Who Is It For?

Composer is ideal for retail investors and self-directed traders who want to automate their portfolio with data-driven rules but lack coding skills. It is less suited for professional day traders who require real-time, manual execution or advanced programmatic control.

Real Use Cases

Create a strategy that benefits from GPU demand, then backtest it against benchmarks. Go live and let Composer rebalance automatically. Open a tax-advantaged Retirement account and trade actively with automated tax-loss harvesting. Remix a community strategy like 'The Not Boring — Rising Rates with Vol Switch' and publish your own.

Key features

  • AI-Powered Strategy Creation — Describe your investment goals and risk concerns in natural language; the AI generates a trading algorithm for you.
  • No-Code Visual Editor — Build and customize strategies using a drag-and-drop, programmatic interface — no coding required.
  • Backtesting & Analytics — Test your strategies against historical data with detailed metrics like Sharpe ratio, annualized returns, and drawdown.
  • Fully Automated Execution — Composer automatically makes trades and rebalances your portfolio according to your strategy rules.
  • Pre-Built Strategies & Community — Invest directly in ready-made strategies or remix and share your own with the Composer community.
  • Retirement Account Support — Open Traditional or Roth IRAs and trade with tax-smart active strategies.
  • Zero Commissions — No commissions on trades and zero management fees (other fees may apply; see full fee schedule).

SaaSpartout Score

7.1 /10
Ease of use 8.5
Features depth 7.5
Value for money 8.0
Support quality 6.5
Integrations 5.0
Scalability 7.0
Documentation 6.0
Onboarding speed 8.0

Editorial score from our review methodology — not user ratings.

Composer Pricing

Composer pricing: from $32/mo (billed yearly).

Free Plan (Build & Backtest)

No subscription required. Use AI to generate and evaluate trade ideas, access the Composer API, build and backtest strategies with the no-code editor, and save/share strategies. See fee schedule for details.

Trading Pass (Automated Trading) — $32/mo (billed yearly) or monthly

Includes unlimited automated trading across all accounts, full backtesting, investment portfolio metrics, in-depth analytics, and retirement account support (Roth, Traditional, Rollover). Free 14-day trial available. Cancel any time. Other fees (FINRA & SEC regulatory fees) apply on sale of securities; see full fee schedule.

Business Account

For funds and entities — contact for pricing. Includes supercharged strategy building, multi-algorithm portfolio management, real-time data-driven management, API access, full IP ownership, priority support.

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Frequently asked questions

How much does Composer cost?
Composer offers a free plan (build, backtest, share) and a Trading Pass for $32/mo billed yearly or monthly, with a 14-day free trial. Business accounts have custom pricing—contact sales.
Is Composer completely free?
No, but you can use the free plan indefinitely for building and backtesting strategies. Automated trading requires the paid Trading Pass.
What are the best Composer alternatives?
Alternatives include Trade Ideas, TrendSpider, and QuantConnect. Composer stands out for its no-code, AI-assisted strategy creation and built-in brokerage.
Who is Composer best for?
Retail investors and self-directed traders who want automated, data-driven trading without coding skills. Less suited for manual day traders or institutional desks.
Can I use Composer in a retirement account?
Yes. Composer supports Traditional and Roth IRAs with tax-smart active trading, and it covers transfer fees (limits apply).
Does Composer require coding?
No. Strategies are built using natural language AI, a visual no-code editor, or pre-made templates. Code access is available via the API for advanced users.
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