When it comes to managing our money and investments online, most of us have spent the last two decades dazed by the financial management app options offered by major players like Intuit, Betterment, Robinhood, etc. But emerging AI-powered applications have already begun to carve their own path in personal finance, 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 your debt, and optimize your investment strategies based on your individual financial behaviors. If you’re planning to revamp the way you manage your finances by 2025, choose a AI app acting as your personal finance assistant could save you a lot of time, money and stress in the long run. Many of these apps combine multiple features, allowing you to consolidate your financial management with fewer navigations and logins.

Here are some pioneering apps to help you manage your money and learn how to make smarter, more informed financial decisions.

Origin

Origin‘s one-stop-shop approach to financial management makes it a leading competitor. By consolidating tax filing, estate planning, budgeting, and investment management into one app, Origin eliminates the need for multiple financial tools and, most importantly, multiple fees. Its AI companion 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 such as retirement planning, building an emergency fund and optimization of 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 innovating the financial apps market, seamlessly combining multiple essential services into a single platform. Users can manage their entire financial life through a single app, ensuring streamlined processes and reduced anxiety. Its intuitive interface and personalized advice are aimed at novices and seasoned financial planners alike, making it a great choice for anyone who wants a simple way to take full control of their finances.

Cost: $12.99 per month, $99 per year

Free version: no, but offers a 7-day free trial

Alpha by audience

Alpha’s real-time, AI-powered analysis provides instant answers to questions you have about certain investments, mining live market data to provide up-to-date information on stocks, ETFs and other assets. This makes it an attractive tool for retail investors who want a simpler way to manage their portfolios without extensive financial knowledge. Alpha’s mission is to democratize access to sophisticated AI-driven investment insights, making it a leading competitor in the growing field of AI finance.

Cost: $8 per month for Premium (Free Premium with $50,000 account balance)

Free version: Yes

Magnifi

One of Magnifi’s most notable features is its AI-powered search engine, which allows users to search for investments in the same way they would 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 the funds you choose. By working with Magnifi, you can demystify and take control of your wealth creation efforts.

Cost: $14 per month, $132 per year

Free version: No

Albert

Albert can analyze your income and spending habits to find small amounts you can afford to set aside, and automatically transfer your money to designated accounts based on your settings. It can also monitor your monthly subscriptions and flag which ones can be canceled or reduced. One of its most notable features is Albert Genius, a team of human financial experts available via text to provide personalized advice on everything from debt reduction and consolidation to investment strategies. Their “best of both worlds” approach provides users with a comprehensive financial planning experience.

Cost: $9.99 per month for Albert Basic, $14.99 per 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 provides 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.

Particularly popular among Gen Z and millennials, Cleo’s chat interface is known for its humor, bringing a touch of fun and ease to the otherwise daunting task of managing your finances, making it a particularly wise if you’re just starting out. Cleo’s AI assistant ensures users receive personalized financial advice that adapts to their spending behaviors over time. The app strongly aims to make financial management more accessible and less overwhelming, offering a refreshing take on more traditional personal finance apps.

Cost: $5.99 per 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 cut costs, especially around unused subscriptions or high interest charges.

One of Trim’s key features is its ability to negotiate bills, including internet and cable, on your behalf. Additionally, Trim provides debt repayment tools and personalized financial recommendations. By helping you remove unnecessary fees, Trim can potentially help you save hundreds of dollars per year.

Cost: Free for basic features; success fee for invoice negotiation

Free version: Yes

Candlestick

Candlestick is an investment platform designed to make stock market investing more accessible, particularly to occasional or novice investors. It offers weekly AI-driven stock selection tailored to your preferences, with the aim of outperforming the market. Their model incorporates dozens of metrics per stock and learns to select stocks for your portfolio by training hundreds of times on past data until it can achieve superhuman results.

Candlestick takes its comprehensive information and recommendations and delivers it to you in a way that is easy to understand and execute, so that over time you become a more confident investor and can make choices that fit your risk profile and your long-term investment. goals.

Cost: $9.99 per month for premium

Free version: Yes

Whether you’re looking for an all-in-one platform or need help in a specific area of ​​your financial life, these AI apps can help you improve your financial health and knowledge and allow you to take the best decisions for your future.