When it comes to managing our money and investments online, most of us have spent the last couple of decades dizzied with options for financial management apps from major players like Intuit, Betterment, Robinhood, and the like. But emerging AI-powered apps have already started to carve out their own lane in the personal finance space–bringing automation, predictive analytics, and hyper-personalized insights into the process.
These platforms do more than just simplify personal finance management—they act as sophisticated financial assistants that can anticipate your needs, help you manage debt, and optimize investment strategies based on your individual financial behaviors. If you’re thinking of revamping the way you manage your finances going into 2025, choosing an AI app to act as your personal finance assistant could save you tons of time, money, and stress in the long run. Many of these apps combine multiple functionalities, allowing you to consolidate your financial management with fewer navigations and logins.
Here are a few trailblazing apps to help you manage your money and learn how to make smarter, more empowered financial decisions.
Origin
Origin’s one-stop-shop approach to financial management makes it a top contender. Consolidating tax filing, estate planning, budgeting, and investment management into one app, Origin eliminates the need for multiple financial tools, and importantly, multiple fees. Its AI sidekick effectively acts as a personalized financial advisor who has a holistic understanding of your money and can provide meaningful and accurate advice in key areas like retirement planning, building an emergency fund, and optimizing your investment portfolio. It even has a “Couples” feature, which allows two people in a household to manage their combined finances on one shared platform, increasing transparency and easing money-related relationship stress.
Origin is breaking new ground in the financial app market, seamlessly combining multiple essential services into one platform. Users can manage their entire financial life through a single app, ensuring streamlined processes and reduced anxiety. Its intuitive interface and personalized advice cater to both novices and seasoned financial planners, making it a great choice for anyone wanting an easy way to take full control of their finances.
Cost: $12.99 a month, $99 a year
Free Version: No, but has 7 day free trial
Alpha by Public
Alpha’s AI-powered, real-time analysis provides instant responses to questions you have about certain investments, pulling live data from the market to deliver up-to-date insights on stocks, ETFs, and other assets. This makes it an attractive tool for retail investors who want an easier way to manage their portfolios without deep financial knowledge. Alpha is on a mission to democratize access to sophisticated AI-driven investing insights, making it a standout competitor in the growing AI finance space.
Cost: $8 a month for Premium (Free Premium with $50k account balance)
Free version: Yes
Magnifi
One of Magnifi’s standout features is its AI-driven search engine, which allows users to search for investments the same way they might ask a question in everyday language. For example, you can ask, “What are the best funds for long-term growth?” or “Which ETFs have low fees?” Magnifi’s AI assistant then provides personalized recommendations based on your query, explaining the risks and growth opportunities associated with whatever funds you choose. By working with Magnifi, you can demystify and take control of your wealth-building efforts.
Cost: $14 a month, $132 a year
Free Version: No
Albert
Albert can analyze your income and spending habits to find small amounts it thinks you can afford to set aside, and automatically move your money to designated accounts based on your settings. It can also monitor your monthly subscriptions and flag those that can be canceled or lowered. One of its standout features is Albert Genius, a team of human financial experts available via text to provide personalized advice on anything from debt reduction and consolidation to investment strategies. Their “best of both worlds” approach gives users a well-rounded financial planning experience.
Cost: $9.99 a month for Albert Basic, $14.99 a month for Albert Genius
Free version: No
Cleo
Cleo is a chatbot-driven AI financial assistant that helps you manage your finances with a conversational interface. The app tracks spending, provides insights into financial habits, and even delivers budgeting tips in a fun and engaging way. Cleo can also help you set savings goals, build credit, create budgets, and send you bill reminders.
Especially popular among Gen-Z and Millennials, Cleo’s chat interface is known for its humor, bringing a sense of fun and ease to the otherwise daunting task of managing your finances, making it a particularly great choice if you’re just getting started. Cleo’s AI assistant ensures that users get personalized financial advice that adapts to their spending behaviors over time. The app has a strong focus on making financial management more accessible and less overwhelming, providing a refreshing spin on more traditional personal finance apps.
Cost: $5.99 a month for Cleo Plus
Free version: Yes
Trim
Trim is an AI-powered financial assistant designed to help you save money by managing your subscriptions and recurring expenses. By connecting to your bank accounts, it analyzes your spending habits and identifies areas where you can reduce costs–particularly when it comes to unused subscriptions or high-interest fees.
One of Trim’s key features is its ability to negotiate bills, including internet and cable, on your behalf. Additionally, Trim provides tools for debt payoff and personalized financial recommendations. By helping you cut out unnecessary charges, Trim can potentially help you save hundreds of dollars a year.
Cost: Free for basic features; success fees for bill negotiation
Free Version: Yes
Candlestick
Candlestick is an investment platform designed to make stock market investing more accessible, especially to casual or novice investors. It provides weekly AI-powered stock picks tailored to your preferences, with the goal of outperforming the market. Their model incorporates dozens of metrics per stock and learns to pick stocks for your portfolio by training hundreds of times over past data until it can achieve superhuman results.
Candlestick takes its comprehensive insights and recommendations and relays them back to you in a way that is easy to understand and execute, so that with time, you become a more confident investor and can make choices that align with your risk profile and long-term investment goals.
Cost: $9.99 a month for premium
Free version: Yes
Whether you’re looking for an all-in-one platform, or need help with a specific area of your financial life, these AI apps can help you improve your financial health and literacy and empower you to make the best decisions for your future.
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