I had a bike fit some years ago with a local physio who is also a very good triathlete so I feel he understands cycling more than many. It was £80 for two hours and I came away with a better, more comfortable position. Since then I have transferred the basic measurements to other bikes and with a few tweaks have always quickly achieved my desired position. A couple of years ago a new to cycling friend approached me with a basic question "What am I doing wrong?" Over three months we worked on many aspects of her riding including bike fit/position. She later chose to have a bike fit with the same guy I used, she came back complaining "You cost me £80!!!!" I quizzically asked why? "My fit was perfect, he didn't change anything." I had helped with her bike fit purely by eye, not a single measurement, and mainly by riding behind and alongside her as we made adjustments on the road or later in the garage.
From the four guidelines
@IanSmithCSE suggests the first two for leg and foot position match my position exactly but the other two are way off. My fingertips are 2-3cm off the bars, on two bikes the saddle is 7-8cm higher than the bars and on another it is level. No, I can't explain this. They could provide a start point but a long way from the finish point for me.
To directly address the question all my experience suggests an online bike fit would be no better than the four guidelines above. I feel the best way to approach bike fit, without using a specialist of some sort, is to get the foot and leg positions correct and then work on reach, straight back, minimising weight through the arms and overall comfort. Once the rider has this approximately right asking a friend, ideally a cyclist but not essential, to take a side on view, even a photo, would then offer some help on the "does it look right/comfortable" question.
No, I wouldn't spend any money for an online bike fit.