Overview
Co-Invest by Liquid is an AI-powered trading assistant that integrates directly into ChatGPT and Claude, allowing users to research markets and execute real trades across 500+ assets including crypto, equities, commodities, FX, and prediction markets. It provides professional-grade on-chain signals, positioning data, and macro context, all within the chat interface. Users fund their accounts in-chat and confirm every trade with a single tap.
CalcFi is a free, privacy-focused financial calculator suite with over 346 tools covering mortgage, tax, retirement, debt, investing, insurance, and career planning. All calculations run locally in the user's browser, and data is sourced from official federal agencies like the IRS, Federal Reserve, BLS, and Treasury. CalcFi uniquely cross-checks financial decisions against each other, showing how one change (e.g., a higher mortgage payment) affects other goals (e.g., retirement timeline).
Feature Comparison
| Feature | Co-Invest | CalcFi |
|---|---|---|
| Primary Function | AI-powered trading assistant inside ChatGPT/Claude for real trades across 500+ markets | Free financial calculator suite (346 tools) for mortgage, tax, retirement, debt, etc. |
| AI Integration | Deeply integrated with ChatGPT and Claude; AI executes trades, researches markets, and provides support | Optional AI analysis; calculations run locally in browser; AI not required |
| Data Sources | On-chain signals, positioning, funding, liquidation maps, macro headlines, order flow | Federal data (IRS, Fed, BLS, BEA, Census, Treasury, SSA, Freddie Mac, HUD) |
| User Control | User must tap Confirm for every trade; AI cannot move funds without approval | All calculations run locally; inputs never sent to servers; no account needed |
| Asset Coverage | 200+ crypto perps, US stocks, commodities (gold, silver, oil), FX, pre-IPO names | N/A (calculators cover financial scenarios, not tradable assets) |
| Paper Trading / Simulation | Yes, paper mode with simulated balance against live market data | N/A (calculators are educational, not trading simulators) |
| Cross-Checking | Not applicable (focused on trading execution and research) | Core feature: cross-checks mortgage, retirement, debt, etc. against each other |
| Privacy | Funds held in user's own wallet; AI can read portfolio but cannot transfer out | Calculations run in browser; data never leaves device; no signup required |
| Languages | English only | English and Spanish (96+ calculators in Spanish) |
| Setup Time | About 1 minute via ChatGPT app directory or Claude custom connector | Instant; no setup required |
Pricing
Co-Invest: The Co-Invest tool itself is free to use. Users pay standard Liquid trading fees, which are generally lower than Coinbase or Robinhood on the same products. There is no subscription, AI surcharge, or hidden markup in the spread. Users also pay standard funding rates if holding perpetual positions.
CalcFi: 100% free forever. No signup, no paywalls, no email wall. Optional ads fund the service. Users can also request a free PDF of their results via email. All calculations run in the browser with no server-side storage.
Pros and Cons
Co-Invest Pros
- Seamless AI-powered trading inside ChatGPT and Claude
- Access to 500+ markets including crypto, stocks, commodities, FX, and pre-IPO
- Real-time on-chain signals and professional-grade market data
- Paper trading mode for risk-free practice
- Low fees compared to major exchanges
Co-Invest Cons
- Requires a Liquid account and integration with ChatGPT/Claude
- Only available in English
- Not suitable for users who want a simple calculator or financial planning tool
CalcFi Pros
- Completely free with no signup or account required
- 346 calculators covering mortgage, tax, retirement, debt, investing, and more
- All calculations run locally in browser for maximum privacy
- Cross-checks financial decisions against each other (e.g., mortgage vs retirement)
- Data sourced from official federal agencies (IRS, Fed, BLS, etc.)
CalcFi Cons
- No trading or investment execution capabilities
- AI analysis is optional and not deeply integrated
- Educational only; not a substitute for professional financial advice
- Limited to US federal data; may not cover international users
Verdict
Co-Invest is the clear choice for active traders who want to leverage AI for market research and trade execution across a wide range of asset classes, all within their favorite chat interface. It offers professional-grade data and low fees, but requires a Liquid account and is focused solely on trading.
CalcFi is ideal for individuals seeking comprehensive, free, and privacy-respecting financial calculators to plan mortgages, taxes, retirement, and more. Its cross-checking feature and reliance on official federal data make it a trustworthy tool for educational financial planning, but it does not support trading or investment execution.
Choose Co-Invest if you want to trade with AI assistance; choose CalcFi if you need to run the numbers on your financial future.
CalcFi
Co-Invest