Comparison
sabiaOS vs. Perplexity
Perplexity is an AI answer engine – you ask a question and get an answer with sources from the web. Many advisors use Perplexity for market, product and tax research. sabiaOS is a platform for fee-only advice whose AI assistant works with your clients' data.
Focus
- sabiaOS
- Platform for fee-only advice with a built-in AI assistant
- Perplexity
- AI answer engine for research with cited sources
Research
- sabiaOS
- Web search of public sources, without personal data in the query
- Perplexity
- Real-time web search with sources, in-depth research reports and market data
What the AI knows
- sabiaOS
- The client file, documents, financial plan and account data
- Perplexity
- The web, uploaded files, Spaces and file connectors on the Enterprise plan
Documents
- sabiaOS
- Reads pension statements, insurance policies, portfolio statements and more, and proposes the data for the client file
- Perplexity
- Analyses uploaded files, without filing them in a client record
Financial planning and account data
- sabiaOS
- Built-in financial planning, account and portfolio data via PSD2
- Perplexity
- No financial planning for clients; account linking only for your own accounts in the US and Canada
AI models
- sabiaOS
- Gemini models via European endpoints
- Perplexity
- Its own models plus models from OpenAI, Anthropic and Google to choose from
Training on your data
- sabiaOS
- Contractually excluded
- Perplexity
- Enterprise without training; Free, Pro and Max used by default, can be switched off
Data location
- sabiaOS
- Data on German servers, AI via European endpoints
- Perplexity
- Processing also in the US, covered by the Data Privacy Framework and standard contractual clauses
Pricing model
- sabiaOS
- Modular, €100 to €450 per month for the whole platform
- Perplexity
- Free entry tier, Pro, Max and Enterprise plans
| Feature | sabiaOS | Perplexity |
|---|---|---|
| Focus | Platform for fee-only advice with a built-in AI assistant | AI answer engine for research with cited sources |
| Research | Web search of public sources, without personal data in the query | Real-time web search with sources, in-depth research reports and market data |
| What the AI knows | The client file, documents, financial plan and account data | The web, uploaded files, Spaces and file connectors on the Enterprise plan |
| Documents | Reads pension statements, insurance policies, portfolio statements and more, and proposes the data for the client file | Analyses uploaded files, without filing them in a client record |
| Financial planning and account data | Built-in financial planning, account and portfolio data via PSD2 | No financial planning for clients; account linking only for your own accounts in the US and Canada |
| AI models | Gemini models via European endpoints | Its own models plus models from OpenAI, Anthropic and Google to choose from |
| Training on your data | Contractually excluded | Enterprise without training; Free, Pro and Max used by default, can be switched off |
| Data location | Data on German servers, AI via European endpoints | Processing also in the US, covered by the Data Privacy Framework and standard contractual clauses |
| Pricing model | Modular, €100 to €450 per month for the whole platform | Free entry tier, Pro, Max and Enterprise plans |
Verdict
Perplexity is excellent for fast, well-sourced research – on markets, products or new regulations. For that job it is often the better choice. sabiaOS is built for working with client data – the AI works in the client file, the data stays in Germany and web searches run without personal data. Many firms use both.
What matters in this comparison
Perplexity and sabiaOS barely overlap. Perplexity looks outward – at the web. sabiaOS looks inward – at your clients.
For research on markets, products or legislative changes, Perplexity is very strong: fast, with sources and a choice of models.
For client data, what counts is data location, exclusion from training and a data processing agreement. In sabiaOS, data stays in Germany, the AI runs via European endpoints and a data processing agreement is included.
Our recommendation: do research without personal data with the tool of your choice. Work with client data in the system where it lives.
As of October 2026. Information about Perplexity is based on the provider's publicly available information. Features, plans and terms may change.
Frequently asked questions
- Can I upload client documents to Perplexity?
- Be careful. On the Free, Pro and Max plans, using data to improve the models is switched on by default; you can turn it off. On the Enterprise plan, Perplexity says data is not used for training. Data may also be processed in the US. Check your use with your data protection officer.
- Is Perplexity meant for financial advice?
- No. Perplexity's terms state that its answers should not be relied on as investment, financial or other professional advice and may be inaccurate. Perplexity is very useful for research; the advice itself remains your job.
- What is the difference between sabiaOS and Perplexity?
- Perplexity answers questions with sources from the web. sabiaOS is a platform for fee-only advice in which the AI assistant works with the client file, documents, financial plan and account data and updates data after your approval.
- Can the AI assistant in sabiaOS search the web?
- Yes. It can search public sources. Search queries are not meant to contain personal data, and the feature can be switched off for your organisation. For deep market research across many sources, Perplexity is the more specialised tool.
