Honest Comparison
MonAI vs Advisory AI
We're a small UK SaaS that thinks the per-seat pricing model has become hostile to small advisory firms. Here's the comparison without the spin.
MonAI Firm — 3 advisers, all-in
Flat fee. Suitability + reviews + chat. £33/seat.
Advisory AI Suitability — 3 advisers
£249/seat × 3. Annual contract typical.
Annual saving on a 3-seat firm
£7,776/yr saved choosing MonAI.
Side by side
| Feature | MonAI | Advisory AI |
|---|---|---|
| Pricing model | Flat fee per firm | Per seat per month |
| Solo adviser | £39/mo | ~£89/mo |
| Three-adviser firm | £99/mo total | ~£267/mo (£89×3) |
| Suitability module | Included | ~£249/seat extra |
| Sign-up flow | Self-serve, browser | Demo required |
| Free tier | 3 reports/month, no card | No free tier |
| Adviser types served | IFAs, mortgage, will writers | IFA-focused |
| Cancel any time | Yes, one click | Annual contract typical |
| On-prem option | Enterprise tier (MonAI Box) | Cloud-only |
| UK-based | Yes | Yes |
| GDPR compliant | Yes | Yes |
Pricing for Advisory AI based on publicly stated rates as of May 2026. Always check current pricing on their site.
Why we built it differently
Per-seat SaaS pricing made sense in 2015. In 2026 it's become predatory for small advisory firms. A three-adviser practice running suitability, fact-find and review tools at £89–£249 per seat is paying £400–£900/month for what amounts to one workflow. That's a cost line on top of compliance, regulatory levies, software, and the people doing the work.
MonAI charges per firm. £39 if you're solo, £99 if you've got three advisers, £249 if you've got ten. Your tenth seat is free on the Team plan. The price you see is the price you pay.
We also serve mortgage advisers and will writers — segments the IFA-focused tools mostly ignore. The same suitability/annual-review prompt library works across these workflows because the regulatory shape is similar.
And we don't require a demo to sign up. If our product is any good, you should be able to open the workspace, upload a client pack, and see for yourself in five minutes. If it's not good for you, you don't pay.
When Advisory AI might fit better
Advisory AI is an established product with a longer track record. If you're running a 50+ adviser network with deep workflow integrations into Salesforce/Iress and you need every Cortex feature, they're a serious option — and the per-seat math may matter less at that scale.
MonAI is built for the under-served end of the market: solo advisers, small firms, mortgage and will writing practices. If that's you, we'll save you a lot of money and a lot of friction. If you're a big network, talk to both of us.
See for yourself.
Three reports a month, free. No card. No demo. Try generating a real suitability letter from your own document pack.