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Best AI Cofounders

Run by the team behind Crevio, which we rank first. Every tool, Crevio included, is scored on the same published rubric. Read our disclosure.

The best AI business plan tools

For a plan you'll actually use, or one a bank will accept.

Updated November 11, 2026

There are two reasons to write a business plan: to think clearly, and to convince a lender or investor. AI helps with both, drafting sections, building forecasts and checking assumptions.

We include dedicated planners alongside AI cofounders that plan and then act on the plan.

18 picks, ranked

  • Ideathe strategist
  • Buildthe builder
  • Sellthe seller
  • Runthe operator
  1. 1
    CrevioFull AI cofounder
    9.1
  2. 2
    CofounderFull AI cofounder
    7.7
  3. 3
    MadeThisFull AI cofounder
    7.6
  4. 4
    PolsiaFull AI cofounder
    7.3
  5. 5
    CoFounder.AIAI founding team
    6.9
  6. 6
    Locus FounderFull AI cofounder
    6.9
  7. 7
    ViktorAI employee
    6.7
  8. 8
    AtomsAI founding team
    6.6
  9. 9
    CREAOAI employee
    6.3
  10. 10
    ManusAI employee
    6.0
  11. 11
    ReplitAI technical cofounder
    5.9
  12. 12
    LovableAI technical cofounder
    5.8
  13. 13
    SintraAI employee
    5.5
  14. 14
    BuildpadAI idea and planning partner
    4.4
  15. 15
    FounderPalAI idea and planning partner
    4.3
  16. 16
    LivePlanAI idea and planning partner
    3.9
  17. 17
    IdeaBuddyAI idea and planning partner
    3.5
  18. 18
    UpmetricsAI idea and planning partner
    3.3

Ordered by overall score on our rubric.

No. 1

Crevio

Full AI cofounder, from $25/mo

Solo founders who want one AI cofounder for the whole business, not a stack of tools

The only tool we reviewed that fills all four founder seats on its own and keeps working after launch. It researches the idea, builds the site and app, sells through checkout, email, social, ads and phone, and runs standing tasks on a schedule or when something happens, like a new order or a failed payment. Payments land in your own Stripe account, and anything risky can wait for your approval.

Why it earns a seat

  • Covers idea, build, sell and run in one agent, so nothing falls between tools
  • Standing tasks run on a schedule or a trigger, like a new order, an inbound email or a missed call
  • Payments settle into your own Stripe account; Crevio is not the merchant of record
  • Every feature on every paid plan: custom domains, team, API, MCP, ads, phone

Where it falls short

  • Credit-based billing: a busy month uses more credits, so the bill isn't a flat number
  • 2.5% fee on your sales on paid plans, 5% on the free plan, on top of card processing
  • The free plan is 100 credits given once, not a monthly allowance
  • A newer company with a much smaller review footprint than Lovable, Replit or LivePlan
No. 2

Cofounder

Full AI cofounder, from $40/mo

Technical founders who already pay for an AI coding agent and want departments run around it

The closest rival to a full AI cofounder. The department model is well thought through and the per-company price is simple. The catch is that you also need your own AI coding agent subscription, such as Claude Code or Codex, and the $40 includes only $40 of usage.

Why it earns a seat

  • Clear department structure with shared company context
  • LLC incorporation with approval gates on risky actions
  • Simple per-company price, with usage credits that roll over
  • MCP, custom APIs and custom skills for extending it

Where it falls short

  • Requires a separate AI coding agent subscription on top of the $40
  • $40 of included usage can go quickly on an active company
  • Older third-party pages quote different prices and a trial, so check before you buy
  • Built for people comfortable directing coding agents
No. 3

MadeThis

Full AI cofounder, from $49/mo

Founders who want an AI to build and run a simple online business on autopilot

A serious full-cofounder product with fast growth and a good approval model. It ranks below Crevio on coverage (no phone or company formation that we could confirm) and on trust: there are no refunds, and assisted export only opens after three paid months.

Why it earns a seat

  • Builds, launches and operates, not just builds
  • Propose mode for one-tap approvals, Autopilot for hands-off
  • Sets up Stripe payments and runs Meta ad campaigns
  • Plans by number of businesses, up to 10

Where it falls short

  • No refunds
  • Assisted export only after 3 paid months
  • Custom domain starts on the $79 plan
  • No phone answering or company formation that we could confirm
No. 4

Polsia

Full AI cofounder, from $20/mo

Experimenters who want to launch several small companies and let them run overnight

Polsia made the autonomous-company idea famous and does run tasks every night without prompting. It loses ground on cost and trust: its cut of payments and of ad budgets adds up fast once you have revenue, it doesn't do refunds, and reviewers often mention credits spent on fixes.

Why it earns a seat

  • Genuinely autonomous: works on your company every night
  • Cheap to start a single company
  • Website, database and business email included
  • Handles outreach and ads, not just the build

Where it falls short

  • Takes a share of your payments and ad spend on top of the plan
  • No refunds
  • Reviewers report credits used up on corrections
  • Pricing has changed several times, so older reviews quote other numbers
No. 5

CoFounder.AI

AI founding team, from $39/mo

First-time founders who want a strategic partner to talk things through with

A strong strategy partner with a friendly, conversational setup, including voice and phone access. It relies on integrations for payments and marketing rather than doing them itself, and it only opened in June 2026, so there's little track record yet.

Why it earns a seat

  • One cofounder that keeps your priorities, with specialists behind it
  • Voice mode, plus phone and text access
  • Dev Shop builds pages and portals from plain language
  • 60+ integrations, including Stripe, Gmail, LinkedIn and X

Where it falls short

  • Launched June 2026: little independent track record
  • Payments and marketing run through integrations, not built-in features
  • Hosting and domains cost extra
  • No ads management described
No. 6

Locus Founder

Full AI cofounder, from $20.83/mo

Cautious founders who want every outreach email and ad approved before it goes out

A cheap, approval-first AI cofounder with payments in your own Stripe account. It's lighter than the leaders on support, social and day-to-day running, and its revenue share kicks in once you pass $1,000 a month.

Why it earns a seat

  • Low price: $25 a month or $250 a year
  • Payments go to your own Stripe account
  • Approval before anything customer-facing
  • Built-in CRM for leads and customers

Where it falls short

  • Revenue share above $1,000 a month, plus 1% per charge
  • No social posting, support or company formation mentioned
  • Prices have changed: older pages list $50 a month
  • The company behind it isn't named on the site
No. 7

Viktor

AI employee, from $50/mo

Small teams on Slack who want an AI teammate across their existing tools

Excellent as an AI operator for a team that already runs on Slack and has its tools in place. As a cofounder for a new business it's less complete: it works through your existing stack rather than providing the site, checkout and storefront itself.

Why it earns a seat

  • Works where your team already talks
  • Huge integration catalog
  • Credits shared across the workspace, no per-seat price
  • Generous no-card free credits

Where it falls short

  • Needs an existing stack: no built-in site, checkout or store
  • Usage pricing gets expensive for busy teams
  • No annual discount outside Enterprise
No. 8

Atoms

AI founding team, from $20/mo

Product-minded founders who want research, build and launch marketing in one place

The best AI founding team for getting a product built and in front of searchers. It researches and builds well and even runs Google Ads, but it doesn't run the business after launch: no customer support or scheduled work.

Why it earns a seat

  • A full agent team, from research to engineering to ads
  • Sign-in, database, hosting and Stripe built in
  • Code export and GitHub sync
  • Generous free tier

Where it falls short

  • Stops at launch: no support, follow-ups or scheduled operations
  • Credits go fast on bigger builds
  • The operating company isn't named on the site
  • Custom domains not mentioned
No. 9

CREAO

AI employee, from $16/mo

Founders who want to automate specific recurring jobs with custom agents

Flexible and affordable for automating specific jobs, with a real free tier. As a cofounder it needs direction: you decide what agents to build, and it doesn't provide a storefront or payments.

Why it earns a seat

  • Builds agents from a plain-language description
  • Scheduled runs on every plan
  • Free tier with daily credits
  • Team members share the owner's plan

Where it falls short

  • You design the agents; it doesn't drive the business
  • No checkout or payments
  • Only one scheduled run at a time on the free plan
No. 10

Manus

AI employee, from $17/mo

Founders who want deep research and quick prototypes from one agent

One of the strongest research-and-build agents available, and great for testing an idea quickly. It's a general agent rather than a business operator: no checkout, ads or customer support of its own.

Why it earns a seat

  • Excellent deep research and analysis
  • Builds hosted sites and apps with sign-in, Stripe payments and your own domain
  • Full code export
  • Daily free credits

Where it falls short

  • Builds and stops: no ongoing marketing, outreach or support
  • Monthly credits don't roll over
  • Among the worst Trustpilot reviews here, mostly over billing and support
No. 11

Replit

AI technical cofounder, from $18/mo

Founders building more complex software who may hire developers later

The most capable builder for apps that need real backend work, with room to grow into a developer's tool. Like the other technical cofounders, it doesn't sell or run the business.

Why it earns a seat

  • Handles complex, full-stack apps
  • Database rollback and real deployment
  • A full code editor when you need it
  • Established company with a long track record

Where it falls short

  • Effort-based pricing can be hard to predict
  • More technical than Lovable or Base44
  • Nothing for marketing, sales or operations
No. 12

Lovable

AI technical cofounder, from $21/mo

Non-technical founders whose business is a web app

The best AI technical cofounder for non-coders: fast, polished and with a big community. It builds the product; finding customers, selling and running the business stay with you.

Why it earns a seat

  • Polished apps from plain-language prompts
  • Backend, hosting and sign-in built in
  • Code mode and export for when you hire a developer
  • Large community and templates

Where it falls short

  • Credits go to fixes as well as features
  • No marketing, sales or operations
  • Busy apps can use credits for hosting
No. 13

Sintra

AI employee, from $15.60/mo

Owners who want help writing posts, emails and content

Affordable on a yearly plan and easy to start with for content and marketing help. It doesn't build or run a business: no website, product or payments.

Why it earns a seat

  • Twelve helpers in one plan
  • Shared Brain AI keeps outputs on-brand
  • Low price on the yearly plan
  • Easy for owners who don't want to write prompts

Where it falls short

  • No website, product or payments
  • 250 monthly credits run out quickly
  • Pricing leans on large "sale" discounts
  • Trustpilot withholds its rating over review incentives
No. 14

Buildpad

AI idea and planning partner, from $39/mo

Founders still choosing and shaping an idea

One of the best tools for the very start, when you're still deciding what to build. It's a thinking partner, not a builder: once the plan is done, you need something else to make and sell it.

Why it earns a seat

  • Thorough demand research across hundreds of sources
  • Breaks goals into clear phases
  • Visual canvas for research and notes
  • Says 100,000+ founders use it

Where it falls short

  • Doesn't build, sell or run anything
  • Credit-based for research runs
  • No free plan listed
No. 15

FounderPal

AI idea and planning partner, $29 one-time

Bootstrapped founders who need a marketing plan and content

Remarkable value as a one-time purchase for marketing strategy and content. It plans and writes your marketing; it doesn't publish it, build the product or take payments.

Why it earns a seat

  • One-time price instead of a subscription
  • Strong positioning and persona tools
  • SEO articles and social posts included
  • Many free tools

Where it falls short

  • Writes marketing but doesn't publish or send it
  • Doesn't build or sell anything
  • Lifetime deals depend on the company's long-term health
No. 16

LivePlan

AI idea and planning partner, from $15/mo

Founders who need a business plan for a bank, investor or SBA loan

The most trusted name for a lender-ready business plan, with a long money-back window. It plans and tracks; it doesn't build or sell anything.

Why it earns a seat

  • Lender- and investor-ready plans and forecasts
  • AI forecast builder you can talk to
  • Monthly review of actuals against forecast
  • 35-day money-back guarantee

Where it falls short

  • Planning only: nothing gets built or sold
  • Expert help costs $30 a month extra
No. 17

IdeaBuddy

AI idea and planning partner, free; paid prices not listed

First-time founders who want a guided path to a plan

A friendly, guided planner for first-time founders, with a free plan and a refund window. Like the other planners, it stops at the plan.

Why it earns a seat

  • Step-by-step guide for first-timers
  • Financial planning included
  • Free plan and a 15-day free trial of paid features
  • 15-day money-back guarantee

Where it falls short

  • Planning only
  • Paid prices weren't shown on the pricing page we checked
No. 18

Upmetrics

AI idea and planning partner, from $14/mo

Founders who want a business plan and forecast on a budget

A cheaper alternative to LivePlan for plans and forecasts. It plans; it doesn't build or sell.

Why it earns a seat

  • Affordable AI business plans
  • 7-year forecasts on Premium
  • 15-day money-back guarantee

Where it falls short

  • Planning only
  • No free plan or trial

Side by side

Capabilities: The best AI business plan tools
ToolResearchPlanWebsiteAppPaymentsMarketingAdsSupportLLCAutopilot
Crevio
Cofounder
MadeThis
Polsia
CoFounder.AI
Locus Founder
Viktor
Atoms
CREAO
Manus
Replit
Lovable
Sintra
Buildpad
FounderPal
LivePlan
IdeaBuddy
Upmetrics

Does it itself Partly, or through an integration you set up Not offered, or not something we could confirm

Questions founders ask

Will a bank accept an AI-written business plan?

Lenders care about the numbers and whether they're believable, not who typed them. LivePlan and Upmetrics are built for lender-ready formats. Have an accountant review the forecast before you submit it.

Do I need a business plan to start?

Not for most small online businesses. A one-page plan and a fast first test usually teach you more. You'll want a full plan for a loan or an investor.