Wealthfront

Wealthfront is an automated investment service offering REST APIs and integrations for portfolio management, financial planning, tax optimization, direct indexing, and cash account management. Founded in 2008 and headquartered in Palo Alto, California, Wealthfront manages approximately $95 billion in assets for over 1.4 million clients as of 2026. The platform provides automated investing with tax-loss harvesting, direct indexing for accounts over $100,000, high-yield cash management accounts with FDIC insurance up to $8 million, and stock investing with no advisory fees. Wealthfront went public on Nasdaq (WLTH) in December 2025.

Wealthfront is listed with 5 APIs on the APIs.io network. Tagged areas include Finance, Investment, Portfolio Management, Tax Optimization, and Robo-Advisor.

Wealthfront’s developer surface includes GitHub presence, pricing, engineering blog, support, and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

17.4/100 emerging ▬ flat Agent 15/100 agent aware Front door AI 1/6 silent Heartbeat 86/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessPaid

5 APIs 1 MCP Servers

Finance Investment Portfolio Management Tax Optimization Robo-Advisor Wealth Management Cash Management Direct Indexing Financial Planning Fintech

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 17.4/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 4.0 / 17

Operational Transparency 2.4 / 11

Contract Governance 0.0 / 10

Discoverability 5.5 / 9

Regulatory Posture 2.4 / 15

Agent readiness — 15/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Developer Ergonomics scores 16.7 — up to +16.7 composite points Ask about this →
Access Clarity scores 23.4 — up to +15.3 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/wealthfront/apis.yml: open an issue on github.com/api-evangelist/wealthfront to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Asset and Wealth Management	regulated	36.4 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Wealthfront Automated Investing API

Internal REST API powering Wealthfront's automated portfolio management service. Supports account creation, portfolio configuration, risk assessment, automated rebalancing, and ...

Wealthfront Tax Optimization API

Automated tax optimization service providing daily tax-loss harvesting, direct indexing at the stock level for accounts over $100,000, and Smart Beta factor weighting for accoun...

Wealthfront Cash Account API

High-yield cash management account API supporting deposits, withdrawals, transfers, bill pay, and debit card management. Offers 3.30% base APY with FDIC insurance up to $8 milli...

Wealthfront Account Linking API

External account linking and data aggregation platform that connects Wealthfront with third-party financial institutions via vendors such as Plaid and Finicity. Handles authenti...

Wealthfront Financial Planning API (Path)

Financial planning and retirement projection API powering Wealthfront's Path product. Aggregates linked external accounts, models retirement scenarios, and provides personalized...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Wealthfront MCP Server

Remote MCP server at api.wealthfront.com over HTTP.

MCP SERVER

Wealthfront API pricing

Not yet checked against Wealthfront's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure.

Plan	Price
Automated Investing Account	—
US Direct Indexing	—
Smart Beta	—
Stock Investing Account	—
Cash Account	—
529 College Savings Plan	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Plans

6 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Wealthfront Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Wealthfront Vulnerability Disclosure

Bugcrowd

SECURITY

Resources

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Security

Security

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

Support

Support

Contact

Contact

Commercial 5

Pricing, plans, and the legal terms of use

Plans

FinOps

Pricing

TermsOfService

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

EngineeringBlog

EngineeringBlog

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Research

Research

Source (apis.yml)

aid: wealthfront
name: Wealthfront
description: 'Wealthfront is an automated investment service offering REST APIs and integrations for portfolio management,
  financial planning, tax optimization, direct indexing, and cash account management. Founded in 2008 and headquartered in
  Palo Alto, California, Wealthfront manages approximately $95 billion in assets for over 1.4 million clients as of 2026.
  The platform provides automated investing with tax-loss harvesting, direct indexing for accounts over $100,000, high-yield
  cash management accounts with FDIC insurance up to $8 million, and stock investing with no advisory fees. Wealthfront went
  public on Nasdaq (WLTH) in December 2025.

  '
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/wealthfront.png
url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/apis.yml
baseURL: https://www.wealthfront.com
humanURL: https://www.wealthfront.com
created: 2026-06-13
modified: 2026-06-13
specificationVersion: '0.23'
type: Index
tags:
- Finance
- Investment
- Portfolio Management
- Tax Optimization
- Robo-Advisor
- Wealth Management
- Cash Management
- Direct Indexing
- Financial Planning
- Fintech
tags_raw:
- Finance
- Investment
- Portfolio Management
- Tax Optimization
- Robo-Advisor
- Wealth Management
- Cash Management
- Direct Indexing
- Financial Planning
- FinTech
- Portfolio-Management
apis:
- aid: wealthfront:automated-investing-api
  name: Wealthfront Automated Investing API
  description: 'Internal REST API powering Wealthfront''s automated portfolio management service. Supports account creation,
    portfolio configuration, risk assessment, automated rebalancing, and tax-loss harvesting for diversified index fund portfolios.
    Consumed by Wealthfront iOS, Android, and web applications.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.wealthfront.com/investing
  tags:
  - Portfolio Management
  - Automated Investing
  - Rebalancing
  - Index Funds
  tags_raw:
  - Portfolio Management
  - Automated Investing
  - Rebalancing
  - Index Funds
  - Portfolio-Management
  properties:
  - type: Documentation
    url: https://www.wealthfront.com/investing
  - type: EngineeringBlog
    url: https://eng.wealthfront.com
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/rate-limits/rate-limits.yml
- aid: wealthfront:tax-optimization-api
  name: Wealthfront Tax Optimization API
  description: 'Automated tax optimization service providing daily tax-loss harvesting, direct indexing at the stock level
    for accounts over $100,000, and Smart Beta factor weighting for accounts over $500,000. The system monitors investments
    daily and automatically harvests losses to minimize tax liability while maintaining portfolio risk profile.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.wealthfront.com/tax-loss-harvesting
  tags:
  - Tax Optimization
  - Tax-Loss Harvesting
  - Direct Indexing
  - Smart Beta
  properties:
  - type: Documentation
    url: https://www.wealthfront.com/tax-loss-harvesting
  - type: SupportArticle
    url: https://support.wealthfront.com/hc/en-us/articles/211005023-Wealthfront-s-US-Direct-Indexing
  - type: SupportArticle
    url: https://support.wealthfront.com/hc/en-us/articles/209348486-Tax-Loss-Harvesting
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/plans/plans.yml
- aid: wealthfront:cash-account-api
  name: Wealthfront Cash Account API
  description: 'High-yield cash management account API supporting deposits, withdrawals, transfers, bill pay, and debit card
    management. Offers 3.30% base APY with FDIC insurance up to $8 million through deposits swept across up to 32 program
    banks. Features instant withdrawals, wire transfers, and automated transfer scheduling.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.wealthfront.com/cash
  tags:
  - Cash Management
  - High-Yield Savings
  - FDIC Insurance
  - Banking
  - Debit Cards
  tags_raw:
  - Cash Management
  - High-Yield Savings
  - FDIC Insurance
  - Banking
  - Debit Card
  properties:
  - type: Documentation
    url: https://www.wealthfront.com/cash
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/plans/plans.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/finops/finops.yml
- aid: wealthfront:account-linking-api
  name: Wealthfront Account Linking API
  description: 'External account linking and data aggregation platform that connects Wealthfront with third-party financial
    institutions via vendors such as Plaid and Finicity. Handles authentication on behalf of clients, ingestion of external
    account data, and computation over linked account data to power Path financial planning features and net worth tracking.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://support.wealthfront.com/hc/en-us/articles/115000311663-How-do-I-link-an-outside-account-to-Wealthfront
  tags:
  - Account Linking
  - Data Aggregation
  - Plaid
  - Financial Planning
  - Net Worth
  properties:
  - type: Documentation
    url: https://support.wealthfront.com/hc/en-us/articles/115000311663-How-do-I-link-an-outside-account-to-Wealthfront
  - type: EngineeringBlog
    url: https://eng.wealthfront.com/2021/04/01/our-journey-to-a-generic-linking-platform/
- aid: wealthfront:financial-planning-api
  name: Wealthfront Financial Planning API (Path)
  description: 'Financial planning and retirement projection API powering Wealthfront''s Path product. Aggregates linked external
    accounts, models retirement scenarios, and provides personalized projections for goals including home purchase, college
    savings (529 plans), and retirement. Leverages linked external account data to generate holistic financial plans.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.wealthfront.com/
  tags:
  - Financial Planning
  - Retirement Planning
  - Path
  - College Savings
  - 529 Plans
  properties:
  - type: Documentation
    url: https://www.wealthfront.com/
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/plans/plans.yml
common:
- type: VulnerabilityDisclosure
  url: security/wealthfront-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/wealthfront-domain-security.yml
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/plans/plans.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/rate-limits/rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/wealthfront/refs/heads/main/finops/finops.yml
- type: Website
  url: https://www.wealthfront.com
- type: EngineeringBlog
  url: https://eng.wealthfront.com
- type: GitHub
  url: https://github.com/wealthfront
- type: Pricing
  url: https://www.wealthfront.com/pricing
- type: Blog
  url: https://www.wealthfront.com/blog
- type: Support
  url: https://support.wealthfront.com
- type: Contact
  url: https://www.wealthfront.com/contact-us
- type: Research
  url: https://research.wealthfront.com
- type: Security
  url: https://www.wealthfront.com/security
- type: TermsOfService
  url: https://www.wealthfront.com/legal
- type: PrivacyPolicy
  url: https://www.wealthfront.com/privacy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Wealthfront API — frequently asked questions

Does Wealthfront have an API?

Yes. APIs.io lists 5 APIs from Wealthfront, including Wealthfront Automated Investing API, Wealthfront Tax Optimization API and Wealthfront Cash Account API, and 2 more.

How much does the Wealthfront API cost?

APIs.io lists 6 pricing plans for Wealthfront, with each plan's price, limits and inclusions under Pricing on this page.

Does Wealthfront have an MCP server?

Yes. APIs.io lists 1 MCP server for Wealthfront: Remote MCP server at api.wealthfront.com over HTTP.

Is the Wealthfront API ready for AI agents?

Wealthfront has a Kin Score of 17.4 out of 100 (emerging) and an Agent Readiness score of 14.7 (agent-aware), scored by API Evangelist on 2026-11-13.

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