I tried Prosperi Academy: Review from an experienced investor
Review
Updated
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Prosperi Academy is a new app that offers investor education. To be perfectly clear, Prosperi Academy is a subscription-based educational platform. If you're interested in stock recommendations, trading stocks, or free educational resources, you'll need to look elsewhere. We've listed some alternatives below to help you compare your options.
If you want to learn about the world of investing, Prosperi Academy may sound appealing. But it isn't without its drawbacks and shortcomings. In this review, we'll go over the pros and cons of Prosperi Academy.
Prosperi Academy
Prosperi Academy isn't a free app, but it can be a great way to learn important investing concepts.
$9.99/week or $24.99/month after 3-day free trial period
N/A
Below, we've listed two companies we highly recommend that offer educational resources on investing: E*TRADE from Morgan Stanley and Robinhood.
While neither of the below companies offers a trading simulator or an AI mentor (features Prosperi Academy provides) they offer other perks we love, like the ability to trade real stocks and other investments. Ultimately, you'll need to decide which features are most important to you.
On E*TRADE's Secure Website.
2025 Award Winner
E*TRADE offers low fees and tons of account types. If you need it, chances are, E*TRADE has it. You can access advanced features through its popular Power E*TRADE platform. Open an E*TRADE account to trade fee-free mutual funds and do all your investing in one place.
Commission-free; other fees apply
$0
Open and fund a brokerage account and get up to $1,000. Terms apply.
On E*TRADE's Secure Website.
E*TRADE from Morgan Stanley offers two educational resources:
You can learn both basic and advanced investing concepts with E*TRADE from Morgan Stanley, including stock trading, risk tolerance, margins, and more. You can also use E*TRADE from Morgan Stanley to buy and sell investments. E*TRADE from Morgan Stanley is one of the most feature-packed brokers you can use today, so it's a great place to start your investing journey.
Learn more:
On Robinhood's Secure Website.
2025 Award Winner
A top pick for beginners, Robinhood combines $0 commission trades, an easy-to-use app, and a rare retirement deposit match.
$0 for stocks, ETFs, and options
$0
On Robinhood's Secure Website.
If you want to learn the basics of investing, Robinhood has free, publicly available educational resources.
Robinhood also offers exclusive in-app education modules to people with a Robinhood investment account. It's easy-breezy to open a Robinhood account online. In addition, Robinhood's app is one of the most user-friendly places to buy and sell stocks in the industry. If you're interested in investing, Robinhood's a great place to get started.
Learn more:
I decided to give Prosperi Academy a test drive myself. Here's what I found.
First, I downloaded Prosperi Academy's app for Android, which is rather new. Until recently, it was exclusively an iOS platform. I then clicked that I wanted to get started on the platform.
The sign-up process consists of a series of 25 questions to answer, such as:
The idea is so that Prosperi Academy can tell you where you stand currently, what courses you should begin with, and how long it will take until you're ready to trade/invest for real.
(Note: I answered some of the questions as if I were a beginner investor.)
I was given a three-day trial period (it's actually a two-day trial – your credit card will be charged on day three).
There were two subscription options available:
I chose the weekly plan, since I just wanted to try it out, set up my login, and got onto the platform.
Once I was signed up and logged on, I was again asked some questions about what skills I'm most eager to learn (this felt a bit repetitive from the previous questionnaire).
In all, there were a total of 44 different courses. There were a wide range of topics, including:
Note that investing content on these topics can be found for free online. Most brokers also offer educational resources similar to these courses.
To try it out, I started with the introductory investing course. I then tried "Securities Analysis," which was listed as an advanced course, and went through a lesson that explained the basic differences between fundamental analysis and technical analysis.
The course had 11 lessons in all, including one on how to read company financial statements, valuation and market metrics, operational efficiency and risk metrics, and more.
The app has an efficient layout and makes it easy to navigate between courses. And all of the courses themselves were easy to follow, full of definitions many newer investors wouldn't know, and presented important concepts for all types of investment strategies.
Prosperi Academy could be worth a try if:
If these apply to you, Prosperi Academy might be the perfect fit.
But if these don't apply to you, you're better off finding educational information with a broker or online for free. Then, you can put your money toward actual investments.
Prosperi Academy is a subscription-based learning platform designed to help people learn how to invest and manage their finances. Prosperi Academy isn't a brokerage or robo-advisor -- you can't actually invest any money using the app.
In addition to extensive, beginner-friendly educational courses, Prosperi Academy offers a simulated trading experience. This simulator can help beginners practice investing without financial risk. Prosperi Academy also gives users an AI mentor to help guide their educational journey.
It has an iOS app rating of 4.7/5 stars, and an Android app rating of 4.5/5 stars.
No, Prosperi Academy isn't free. Prosperi Academy costs $9.99/week, or $24.99/month.
There is a short (3-day) free trial. After your free trial ends, you can subscribe to Prosperi Academy on a weekly or monthly basis.
From my experience, Prosperi Academy is not a scam, but it's also not incredibly transparent. Prosperi Academy charges a high price for educational resources -- users can find similar resources for free online or on other brokerage apps. Prosperi Academy also advertises a three-day free trial, but charges users on the third day rather than after the third day. (Granted, I was given a heads-up before the charge went through.)
On the other hand, Prosperi Academy has benefits outside its educational resources. For example, it gives subscribers the option to try a unique trading simulator, which beginners to practice investing without risking financial loss. It also offers an AI mentor to its users to aid in the learning process. To some, these benefits could justify the price of a subscription.
Many online reviews recount problems with Prosperi Academy billing, including:
My experience: I was able to cancel my Prosperi Academy subscription without problems. But, as mentioned above, Prosperi Academy charges a day sooner than I would have anticipated for a "three day" trial.
Other reviewers complain about Prosperi Academy courses not meeting expectations, such as:
My experience: I did find Prosperi Academy's wide selection of courses easy for beginners to navigate. However, the courses I tried weren't anything special. Users can easily learn the same information for free from a library book, YouTube, or other online resources. Many brokerages also offer high-quality educational materials to their clients at no additional cost.
Many reviewers also left positive comments regarding Prosperi Academy's courses. While Prosperi Academy has naysayers, it's clear many people find Prosperi Academy's information incredibly helpful in their financial journey. For example,if you enjoy learning through an app-based course, you might find Prosperi Academy's step-by-step classes incredibly helpful. Or if you're nervous about investing even small amounts, you might enjoy practicing with the investment simulator.
In conclusion: I don't think Prosperi Academy is a scam, but I think your experience with the platform will likely depend on whether or not you find its resources worth the price of a subscription.
You shouldn't expect Prosperi Academy to be a path to getting rich quickly by trading stocks or cryptocurrencies. It is generally best-suited for newer investors who don't have great educational resources through their broker. If you're just looking to learn more about the basics of investing, it can be a great way to do it, but it's not a revolutionary product and the content it offers may be available for free to you elsewhere.
We recommend comparing brokerage options to ensure the account you're selecting is the best fit for you. To make your search easier, here's a short list of our best trading platforms of 2025.
| Broker | Best For | Commissions | Learn More |
|---|---|---|---|
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Managing your finances under one roof | $0 for stocks,¹ $0 for options contracts⁴ |
Learn More for SoFi Active Investing
On SoFi Active Investing's Secure Website. |
Rating image, 4.0 out of 5 stars.
4.0/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Low mutual fund fees. | $0 per trade |
Learn More for J.P. Morgan Self-Directed Investing
On J.P. Morgan Self-Directed Investing's Secure Website. |
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Low fees on stocks, ETFs, crypto, and options | $0 for stocks, ETFs, and options |
Learn More for Robinhood
On Robinhood's Secure Website. |
At Motley Fool Money, brokerages are rated on a scale of one to five stars. We primarily focus on fees, available assets, and account types; however, we also take into account features like research, education, tax-loss harvesting, and highly rated mobile apps. Our highest-rated brokerages generally include low fees, a diverse range of assets and account types, and useful platform features.
See our full methodology here: Ratings Methodology
Yes, Prosperi Academy is a legitimate investment education website in the sense that it can teach you the ins and outs of stock investing and trading. However, it's important to realize that Prosperi Academy doesn't actually offer any brokerage services or any other financial products for that matter.
The Prosperi Academy app itself is free, but in order to access any of its investment education courses, you'll need to purchase a subscription. There's a short free trial available.
Many brokerage firms have their own collections of educational resources, and to be fair, some of them are rather extensive. Prosperi Academy's is mainly focused on beginning investors, and might not be better than what you can get for free.
The short answer is both. Prosperi Academy has some courses for long-term investors about portfolio management and the different types of investments, but also has courses on subjects like cryptocurrency trading.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page.
J.P Morgan Disclosure
INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
SoFi Disclosure:
INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
Value Prop Disclosures
Promotion Disclosures
E*TRADE services are available just to U.S. residents.
Robinhood disclosure
All investments involve risk and loss of principal is possible.
Securities are offered through Robinhood Financial LLC, member FINRA/SIPC. Cryptocurrency services are offered through an account with Robinhood Crypto, LLC (NMLS ID 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Cryptocurrency held through Robinhood Crypto is not FDIC insured or SIPC protected. For more information see the Robinhood Crypto Risk Disclosure.
Trades of stocks, ETFs and options are commission-free at Robinhood Financial LLC. Other fees may apply. Please see Robinhood Financial’s Fee Schedule to learn more.
Fractional shares are illiquid outside of Robinhood and are not transferable. Not all securities available through Robinhood are eligible for fractional share orders. For a complete explanation of conditions, restrictions and limitations associated with fractional shares, see the Fractional Shares section of our Customer Agreement.
Robinhood Gold is an account offering premium services available for a $5 monthly fee. Not all investors will be eligible to trade on Margin. Margin investing involves the risk of greater investment losses. Additional interest charges may apply depending on the amount of margin used. Bigger Instant Deposits are only available if your Instant Deposits status is in good standing.
Investing is risky. Bonus offers subject to terms and conditions, visit robinhood.com/hoodweek for more information. Margin is not suitable for all investors. Robinhood Gold is offered through Robinhood Gold LLC and is a subscription offering services for a fee. Brokerage services offered through Robinhood Financial LLC (member SIPC), a registered broker dealer.
