Is Moby Premium worth it? An honest comparison
Is Moby Premium worth it? Our verdict
Worth it if you want a steady stream of stock ideas at a low first-year price. Moby Premium costs $99 for the first year on its website, against a listed regular price of $365, and promises three new analyst-vetted stock picks a week, with short reports on the thesis, entry logic and risks, plus stock and crypto research in its app. Its headline returns are self-reported with no method shown, and its terms say it renews at Moby's then-current price. If you want fewer ideas with every figure linked to its source, source-linked research is the better fit.
Yield Theory vs Moby, at a glance
Yield Theory publishes this page and is one of the two products compared. Moby details come from its own public pages, reviewed November 9, 2026; sources are listed below.
| Yield Theory | Moby | |
|---|---|---|
| Who it's for | Individual investors who want fewer, fully sourced ideas | Beginner to intermediate investors who want stock picks in a readable app |
| Research approach | One sourced investment call a month, plus a short check when the evidence moves | AI-assisted, analyst-reviewed stock picks with short reports, plus market news and crypto research in an app |
| Free access | Stock profiles, comparisons, calculators, congressional trade pages, and datasets | The app is free to download; picks and full reports need Moby Premium |
| Price | $39/month or $249/year | Web offer: $99 for the first year, regular price listed as $365, marked as a limited-time offer. App Store in-app purchases: $29.99 a month, or yearly options from $199.99 to $364.99. Terms allow a refund if you cancel within 30 days of the start or any renewal. Check current pricing. |
| Source transparency | Figures link to primary sources: SEC filings, House Clerk, Senate eFD | Analyst reports with a thesis and risks; headline pick returns are self-reported with no method on the Premium page |
| Congressional trades | Free House and Senate pages from 2025–2026 periodic reports, each row linked to its filing; no alerts or API | Not part of the product pages we reviewed |
Where Moby is strong
- A low entry price: $99 for the first year on the web
- Three new stock picks a week, with reports built to read in 10 minutes or go deeper
- A 30-day refund window in its terms, at the start and at each renewal
Trade-offs to know
- –Headline returns, such as average pick returns of more than 250%, are self-reported, and the results table lists only winning picks
- –Prices differ by channel: $99 for the first year on the web, but $29.99 a month or up to $364.99 a year in the App Store
- –No free trial is stated for the web offer, and renewal is at Moby's then-current price
What Yield Theory does differently
- ◆Every figure links to its primary source, such as an SEC filing, so you can check the work
- ◆A 7-day free trial on both plans, and $249 a year at full price, below Moby's listed $365 regular price
- ◆Coverage of UK and Indian stocks plus free tools: a congressional trade tracker, stock calculators and an AI capex dataset
Which should you choose?
Moby is the better fit if
- You want three new stock ideas every week rather than a few in-depth ones
- You mainly read on your phone and like short reports with an audio mode
- You want crypto research alongside stocks in one subscription
Yield Theory is the better fit if
- You want one idea a month explained in depth rather than a stream of data or picks
- You want to check every figure against its primary source
- You want the risks and the evidence that would change the view stated up front
Yield Theory is research, not personalized investment advice. We do the work and show the sources; you make the call. At $39/month or $249/year, it is built to sit alongside whatever data or news source you already use.
How to verify Moby details
- Moby's site is rendered by JavaScript and moby.co/pricing shows no plans of its own, so we read the copy for moby.co/premium from the page's own code: 'New members get one year for only $99 (regularly $365)', marked '*Limited time offer'. The page doesn't say what the second year costs; the Terms of Use say subscriptions renew at the then-current price.
- The App Store listing (seller Moby Technologies Inc.) shows in-app purchases of $29.99 monthly, $199.99 annual and two 'Annual Premium' options at $364.99 and $199.99, while its description quotes $199.95 a year. We couldn't confirm whether the 30-day refund in Moby's terms applies to purchases billed by Apple.
- The Premium page claims average returns of more than 250% on Premium picks and more than 75 picks that doubled, 'as of October, 2025'. These are self-reported marketing figures with no method or full pick list on the page, and the table shown lists nine winning picks only. Its '30 million investors' figure is also Moby's own.
Primary and first-party sources
- Moby: Moby Premium
- Moby: Terms of Use
- Moby: Invest Smarter, App Store listing (Moby Technologies Inc.)
- Moby: Homepage
Reviewed 2026-11-09. Prices and features change; check each provider's current pages.
Other Moby alternatives
Yield Theory vs Moby: FAQ
Is Moby Premium worth it?
Worth it if you want a steady stream of stock ideas at a low first-year price. Moby Premium costs $99 for the first year on its website, against a listed regular price of $365, and promises three new analyst-vetted stock picks a week, with short reports on the thesis, entry logic and risks, plus stock and crypto research in its app. Its headline returns are self-reported with no method shown, and its terms say it renews at Moby's then-current price. If you want fewer ideas with every figure linked to its source, source-linked research is the better fit.
When is Moby a better choice than Yield Theory?
Moby is the better fit when you want three new stock ideas every week rather than a few in-depth ones; or when you mainly read on your phone and like short reports with an audio mode; or when you want crypto research alongside stocks in one subscription.
How much does Moby cost compared with Yield Theory?
As of our November 9, 2026 review: Web offer: $99 for the first year, regular price listed as $365, marked as a limited-time offer. App Store in-app purchases: $29.99 a month, or yearly options from $199.99 to $364.99. Terms allow a refund if you cancel within 30 days of the start or any renewal. Prices and offers change, so check Moby's current pricing page before buying. Yield Theory is $39/month or $249/year, with the same access on either plan.
What does Yield Theory do differently from Moby?
Every figure links to its primary source, such as an SEC filing, so you can check the work. A 7-day free trial on both plans, and $249 a year at full price, below Moby's listed $365 regular price. Coverage of UK and Indian stocks plus free tools: a congressional trade tracker, stock calculators and an AI capex dataset. Yield Theory publishes research, not personalized advice: we show the evidence and you make the call.
Can I use Moby and Yield Theory together?
Yes. They do different jobs. Moby is built for investors who want frequent stock picks in an easy-to-read app; Yield Theory adds one sourced investment call a month with the risks that would change the view.
Yield Theory vs Moby: same research, one price.
If you want a monthly sourced call instead of a firehose, membership is $39/month. Congressional filings, company research, and the weekly evidence check are the same product.
Members-only research
$39/mo or $249/yr · cancel future renewals anytime · sources included