Managing money can feel overwhelming, but today’s AI-powered personal finance apps make it much easier. With 83% of U.S. internet adults using some kind of finance app in 2024, the demand for smart budgeting and saving tools is higher than ever. In fact, the global personal finance apps market is projected to skyrocket from $106.15 billion in 2023 to $133.08 billion in 2024, and up to $330.12 billion by 2028. This growth is driven by greater smartphone use and new AI features that analyze spending, set savings goals, and offer personalized advice.

Smartphone calculator: Budgeting tools and AI savings apps help users track expenses and make smarter spending decisions.

Whether you want an AI chatbot to chat about your budget, automatic savings plans that run quietly in the background, or smart bill negotiation to lower recurring expenses, there’s now an app that fits your exact financial style.

Today’s AI-powered personal finance apps offer far more than just expense tracking—they act as intelligent assistants that learn your habits, predict your needs, and proactively suggest better ways to manage money. These advanced budgeting tools and AI savings apps leverage machine learning, predictive analytics, and behavioral insights to not only help you understand where your money is going, but also how to make it go further.

From automated savings transfers to personalized budgeting strategies based on real-time cash flow, AI-powered personal finance apps are designed to make smart money management accessible to everyone—whether you’re a student managing a tight budget, a freelancer with fluctuating income, or a family planning for long-term goals.

In the sections below, we explore ten of the most powerful and user-friendly options available in 2025. For each one, we break down the key features, highlight the AI capabilities that set them apart, and share practical real-life scenarios to show how these tools can make a tangible difference in your financial journey. Along the way, we’ll also link to helpful resources—like our deep dive on AI in Credit Scoring—and cite reputable sources to ensure you walk away with clear, actionable, and trustworthy advice.

The 12 Best AI-Powered Personal Finance Apps

1. Cleo – AI Chatbot Personal Assistant for Budgeting

One of the most well-known AI finance assistants, Cleo (5+ million users) takes a conversational approach. Instead of dry charts, Cleo feels like texting a witty friend about money. Behind the scenes, it’s an AI-powered budgeting tool that analyzes your linked bank accounts.

It categorizes income and spending (food, bills, fun, etc.) and alerts you when bills are due or funds are low. Cleo’s chat interface can answer questions (“How much did I spend on groceries?”) and even scold or cheer you on: you can ask it to “Roast” you for overspending or “Hype” you for sticking to budget. Cleo stands out among today’s AI-powered personal finance apps by combining smart budgeting tools with real-time feedback that keeps users actively engaged in their money habits.

• AI-Powered Planner: Cleo’s AI budget planner looks at all your accounts together and suggests how much to spend in each category. It learns from your habits – for example, if you overspend on dining out, it might gently remind you to cut back next week.
• Real-Time Alerts: It monitors your balance and sends low-balance or bill reminders. Say your rent is due soon; Cleo will notify you so you’re not caught off guard.
• Chat Interface: The friendly AI assistant is just a chat away. Late at night and worried about money? Send a message to Cleo and it will pull up your budget summary or suggest cutting expenses. This conversational style makes finance feel more human and less intimidating.

User scenario: Meet Sarah, a gig worker with irregular income. She links her checking account to Cleo, which tracks each paycheck and bills. When a deposit hits, Cleo immediately updates her budget and says, “Hey Sarah, you’ve got $800 left for groceries and fun this month!” Later, Sarah splurges on a concert ticket. Cleo might drop a playful roast like “Ouch, that concert was pricey! Next week you’ll need to pack lunches.” This nudge helps Sarah reflect on spending without resorting to complex spreadsheets.

By learning from your habits, Cleo’s AI acts like a vigilant friend. It can even help you build credit by suggesting timely payments (and it’s no accident that Cleo’s tagline mentions helping millions “build credit and budget better”). Tying into AI credit-scoring insights, apps like Cleo and Albert often integrate credit monitoring. For example, Albert includes identity and credit report alerts – useful for maintaining a healthy credit score (see our article on AI in credit scoring for more on that). Like many leading AI savings apps, Cleo proves that AI-powered personal finance apps can do more than track—they can predict, guide, and even automate financial decisions for better results.

In summary, Cleo’s unique combination of chat, personalized tips, and automation makes it a standout AI-powered personal finance app for budgeting. It’s especially helpful if you’re just starting out or tend to forget bills – Cleo keeps track and uses AI to learn and adapt to your style.

2. Albert – Automated Savings and Financial Health Monitor

Albert is an all-in-one finance app that uses AI to automate savings and even protect your identity. More than just a budget tracker, Albert’s “Smart Savings” feature analyzes your income and spending to find extra dollars you can put aside. For example, it might notice you consistently have $20 left in your checking after bills and move that to savings automatically. It’s like having a personal finance analyst working 24/7.

Albert is one of the most intuitive AI-powered personal finance apps available today, offering intelligent budgeting tools that adapt to your lifestyle in real time.

• Auto-Savings: Albert’s AI “Smart Money” service moves small amounts into savings on autopilot. This adapts to your cash flow – if you’ve got a big month, it may move more; if you have lean times, it holds back.
• Transaction Categorization: All your linked transactions are smartly categorized (rent, groceries, entertainment) so you see where money goes. This helps you spot trends (“I spent $200 on fast food this month!”) and adjust.
• Bill & Subscription Tracking: Albert identifies recurring bills and subscriptions, then helps you lower or cancel unwanted ones. For example, it might detect a seldom-used streaming service and offer one-click cancellation to save you money.

Using a smartphone and credit card: AI-powered finance apps like Albert can automate savings moves and alert you to bills, helping users save and manage spending without hassle.

Albert also emphasizes security and peace of mind. It offers 24/7 fraud monitoring and identity protection, which is especially helpful for young professionals. There are credit report and inquiry alerts too, so you’ll know if someone opened an account in your name. These AI-driven security features complement the core budgeting function and align with modern financial tools that handle everything from saving to credit (similar in spirit to how AI is transforming credit scoring, as our credit scoring guide discusses).

Among the growing list of AI savings apps, Albert stands out for using behavioral data and automation to deliver on what most AI-powered personal finance apps promise but few truly achieve—effortless, intelligent saving.

User scenario: Imagine Diego, who lives paycheck-to-paycheck. He links his bank account to Albert and specifies savings goals (emergency fund, car repair, etc.). Over time, Albert quietly tucks away a few dollars whenever it’s safe to do so, without Diego having to think about it. If a large bill comes, Albert might pause savings to avoid overdraft. Diego also gets alerts like “Your credit report is updated” from Albert’s monitoring, helping him keep tabs on his credit health – a bonus he didn’t expect from a savings app.

In effect, Albert’s AI is doing the heavy lifting of analysis and automation. By systematically finding “extra” money and managing bills, this app can help users accumulate savings faster (often many small deposits add up significantly over time). In fact, many users report reaching their goals sooner thanks to consistent auto-saves.

Overall, Albert demonstrates how AI can turn a one-dimensional budgeting app into a holistic finance assistant – integrating budgeting, saving, and even credit monitoring in one place.

As a leader in the world of AI-powered personal finance apps, Albert blends budgeting tools and savings automation to create a seamless, all-in-one money management experience.

3. Plum – AI-Driven Savings & Investment Companion

Plum is a UK-based app that has gained popularity for automating savings and even micro-investments. It boasts over 1.8 million users who have collectively saved more than €2 billion through the app. Plum’s core is an AI algorithm that puts you into “set and forget” saving mode. After linking your bank, Plum analyzes your income and spending pattern and automatically sets aside money according to your chosen rules.

• Rule-Based Savings: You can create multiple savings rules. For example, Plum can take a fixed amount every payday, round up your spare change on card purchases, or use more advanced triggers (like moving cash to savings when your account stays above a threshold). These automated deposit rules remove the need to remember transfers each week. Plum calls its system an “AI algorithm” for building wealth. As one of the most efficient AI savings apps in the market, Plum continues to redefine what’s possible with AI-powered personal finance apps by turning everyday spending into effortless wealth-building.
• Investing Features: Beyond savings, Plum lets you invest in thousands of stocks or funds. Even with the free version, users can invest spare change or set weekly contributions to a portfolio. This helps money work harder by not only saving but growing it.
• Progress Visualization: The app shows clear goal trackers and charts so you see how your balance grows over time. Watching the saved jar fill up (or the investment pot grow) is motivating.

While Plum focuses primarily on savings and investments, it complements traditional budgeting tools by helping users automate financial discipline without constant oversight—something few AI-powered personal finance apps manage as well.

Although Chip focuses on saving rather than traditional budgeting tools, it still competes strongly with other AI-powered personal finance apps by offering intelligent automation that adjusts to your financial behavior.

User scenario: Consider Priya, saving for a vacation. She sets a Plum rule to round up every purchase to the nearest dollar and transfer the change to her travel pot. Over weeks, the pennies accumulate – on average Plum notes users save around €2 per week with simple rules (and their blog even notes typical users save about €44/month via round-ups). With Plum Pro, she could even add more advanced triggers. Meanwhile, her invested spare change might earn some returns. At the end of a few months, Priya has a tidy stash ready for her trip, all without manual transfers.

Plum’s app design is user-friendly and colorful, making saving feel positive. By handling the dull task of transferring money, it frees users to focus on spending plans and goals. In effect, Plum turns everyday transactions into saving actions without needing willpower. And because it’s subscription-based for premium, it remains incentive-aligned to keep helping you save as promised.

In summary, Plum illustrates the power of AI savings apps: using algorithms to automate deposits and round-ups so that “saving more” happens passively. It’s especially powerful for savers who struggle to move money manually each month. In the growing landscape of AI-powered personal finance apps, Plum stands out as a reliable, rule-based savings partner for those who want their money to work quietly in the background.

4. Chip – Hands-Free UK Savings Plans with AI

Chip is another UK app known for “set it and forget it” savings. It offers different savings accounts (instant access, ISAs, prize accounts), but what makes Chip AI-driven is its autosave feature. You can link your bank account and let Chip’s algorithm decide how much to save and when. Chip is one of the most user-friendly AI savings apps, and like many other AI-powered personal finance apps, it takes the guesswork out of building savings with precision and ease.

• AI Autosave: Chip’s AI will analyze your spending trends and transfer amounts you can afford into savings on a schedule. For example, at the end of a week when it sees leftover cash, it may “chip in” a small amount. Users love that it feels effortless: no budget entries needed, Chip just quietly grows your balance.
• Prize Savings: To gamify saving, Chip offers a prize account where each £100 saved is a raffle ticket for cash prizes. While not AI-specific, it adds fun and motivation to keep money saved rather than spent.
• Investment Options: Chip also lets UK users invest in global funds. You can route some or all of your autosaved money into investment options, blending saving with potential growth.

The Apple Store description explicitly highlights Chip’s AI feature: “Automatically save up money using AI, or create a bespoke plan to top up your savings”. This means whether you want hands-off or a specific rule (e.g. save £50 every Friday), Chip supports it. They even have partnerships (BlackRock, Vanguard funds) to invest that saved cash if you choose.

User scenario: Imagine Liam, who frequently forgets to deposit to savings. He activates Chip autosave. Chip notices on months when Liam’s checking account typically ends around £1,000, and automatically saves £50 – just enough not to pinch him. By year end, Liam has built an emergency fund he never even saw. When bills got tight, Chip’s AI scaled back transfers to avoid overdraft. Liam also joined the prize saver, dreaming of the £10k prize while happily accumulating savings in the background.

Overall, Chip exemplifies how automated AI budgeting/saving tools can make wealth-building frictionless. By taking a micro-turn approach (often saving pennies), apps like Chip turn saving into an effortless habit. The result is users often save significantly more than they would on their own, thanks to consistent small contributions arranged by AI algorithms. In the expanding world of AI-powered personal finance apps, Chip proves that automation and smart algorithms can make consistent saving feel completely hands-free and stress-free.

5. PocketGuard – Simplified Spending & Budget Tracking

PocketGuard is a highly-rated budgeting app focused on “what’s left” to spend. It links all your accounts and then automatically categorizes transactions. Its signature feature, “In My Pocket,” shows the money you have available after accounting for bills and savings goals. Think of it as a clear gauge: X dollars left for fun spending this month.

PocketGuard is one of the most practical AI-powered personal finance apps, offering streamlined budgeting tools that simplify financial decision-making for everyday users.

• Smart Expense Analysis: PocketGuard uses algorithms to crunch your spending data and alert you to trends (“You’re overspending on dining out this month”). It can pinpoint recurring expenses via its AI, automatically scheduling bills and paydays in your calendar.
• Budget Alerts: You set budget limits by category, and PocketGuard alerts you when you approach them. This real-time feedback helps avoid nasty surprises (e.g. overdraft fees).
• Bill Negotiation (with Billshark): PocketGuard partners with Billshark to offer automatic bill negotiation. When enabled, the app will try to lower cable or utility bills on your behalf, charging a small success fee.

Hands with smartphone and credit card: AI-driven apps like PocketGuard help track spending and manage budgets. With features like “In My Pocket,” users always know how much remains to spend this month.

According to official info, PocketGuard has over 12,000 reviews and users across the U.S., UK, and Canada love its simplicity. Tech blogs note that it works almost hands-off: once you set up budgets, the app does the tracking and provides insights daily. A PCWorld review highlighted that PocketGuard “has been a really helpful tool in understanding our family expenses… categories and tracking are easy to manage.”

While not a traditional savings platform, PocketGuard functions much like today’s top AI savings apps by helping users control spending and identify areas to reroute funds toward saving goals—making it a standout among AI-powered personal finance apps.

User scenario: Think of Raj, who bills his phone, internet, and rent each month. He connects them in PocketGuard so it knows his fixed costs. Then his paycheck arrives, and PocketGuard calculates: “After essentials and savings goals, you have $500 left this week.” If Raj starts using a lot of Uber rides, the app will tell him he’s nearing his personal spending limit. The AI behind the scenes has already categorized those rides under “transport” and updated his In-My-Pocket number.

Comparatively, PocketGuard’s streamlined interface and automated analytics mean even budget novices see immediate value. Instead of wrestling with spreadsheets, users see a clear spendable amount. This clarity alone can reduce impulse buys and encourage smarter purchases. Overall, PocketGuard’s combination of AI categorization and simple visuals makes it a top budgeting tool for anyone who wants to spend confidently without micromanaging every dollar.

In the growing ecosystem of AI-powered personal finance apps, PocketGuard’s ability to blend intelligent analysis with hands-off budgeting makes it a perfect tool for both beginners and experienced money managers.

6. Qapital – Goal-Driven Saving With Smart Rules

Qapital takes a rules-based approach to saving. While not technically “AI” in the sense of learning algorithms, it deserves mention because its automated “rules” turn spending habits into savings. For example, one popular rule is Round-Up Change: Qapital automatically rounds up each purchase to the nearest dollar and moves the difference into savings. Impressively, Qapital reports the average user saves about $44 per month just from rounding up.

Qapital may not use advanced machine learning, but it still holds its place among AI savings apps for its ability to automate saving through intelligent rules—much like many leading AI-powered personal finance apps.

• Custom Savings Rules: You can create rules like “Save $5 every payday” or “Round up my coffee purchases”. By linking your checking and credit accounts, Qapital funnels those small amounts to specific goals (vacation fund, new laptop, emergency fund, etc.).
• Shared Goals: Qapital also offers group saving, where friends or family can all contribute toward a shared target (like a holiday trip). Each member’s transactions help grow the pot.
• Spending & Budget Insights: Although more known for saving rules, Qapital does show you snapshots of your progress, encouraging you as goals get closer.

While Qapital leans more into goal-driven saving than traditional budgeting tools, it delivers results that rival more complex AI-powered personal finance apps through sheer simplicity and consistency.

User scenario: Laura sets up Qapital and links her everyday card. She creates a “Trip to Japan” goal and turns on two rules: round-up change on all transactions, and also save $10 automatically on Fridays. By the end of a year, even though she didn’t feel a pinch each day, she has amassed a solid nest egg for her travels. Qapital’s monthly reports show how much was saved in each category, making the achievement feel tangible.

Qapital proves that smart AI savings apps aren’t always about machine learning – they’re about automation. Its success comes from making saving a side-effect of spending, requiring minimal effort from users. As one finance blog notes, “people make small savings in an automated fashion” through these rules, which can be especially effective for those who struggle with traditional budgets.

In short, with Qapital you essentially program your own AI rulebook. The app executes those rules flawlessly, so by Christmas or year-end, you have a surprisingly large saving built up. For users who love setting clear financial goals and hate forgetting, Qapital’s approach is both simple and powerful.

In the broader landscape of AI-powered personal finance apps, Qapital shows that automation alone—when done right—can be just as powerful as predictive algorithms for helping users meet their savings goals.

7. Mint – Free Budgeting & Money-Tracking All in One

No list of finance apps would be complete without Mint, one of the most popular free budgeting tools. While not advertised explicitly as “AI”, Mint uses behind-the-scenes algorithms to categorize spending and suggest budgets. According to one recent roundup, “This tool is one of the most popular free AI budgeting tools available. Mint offers comprehensive features like tracking expenses…”. Mint connects to virtually any U.S. bank account or credit card, then automatically sorts all transactions into categories.

Mint remains one of the most accessible AI-powered personal finance apps, offering intuitive budgeting tools that are especially helpful for beginners looking to get organized without the learning curve.

• Unified Dashboard: Mint aggregates all accounts, bills, and credit cards in one view. You immediately see net worth, spending by category, and upcoming bills.
• Alerts and Tips: You can set alerts for bills due or low balances. Mint will also alert you to unusual account charges or large purchases.
• Goal Setting: The app lets you set savings goals (e.g. save $5,000 for a new computer) and tracks progress. It can suggest an ideal monthly savings amount to hit that goal on time.

While it doesn’t automate savings like some advanced AI savings apps, Mint still holds its ground among AI-powered personal finance apps by giving users the clarity needed to adjust their spending and plan for financial goals.

User scenario: Alex, a college student, uses Mint to manage part-time job income. At the start of each month, Mint automatically applies a simple budget template (groceries, transport, entertainment) based on past spending. Alex can then tweak categories and add a $50 “fun” category.

Throughout the month, the app color-codes the budget bars – turning red if overspending is likely. Mint’s ability to link loan accounts also means Alex can see his student loan balance and plan how extra payments might help over time.

Because Mint is free, it’s a great entry-point AI-powered personal finance app for beginners. Its only downsides are occasional ads and that it won’t move money for you (no auto-save like Albert or Plum).

However, for someone who wants a reliable overview of all their finances and a no-cost tool, Mint still holds up in 2025. Many users find that simply seeing where every dollar goes (thanks to Mint’s smart categorization) leads them to cut expenses and save more.

As part of the broader ecosystem of AI-powered personal finance apps, Mint proves that simplicity, when paired with smart automation, can deliver powerful results for everyday money management.

8. YNAB (You Need A Budget)

As one of the most popular AI-powered personal finance apps and budgeting tools, YNAB (You Need A Budget) empowers you to plan ahead and give every dollar a role. It uses a zero-based budgeting method so you start each month allocating every dollar to a category (bills, groceries, savings, fun, etc.). You link your bank account and YNAB automatically imports new transactions, freeing you from manual tracking. The app’s charts and alerts then show how you’re doing – for example, you’ll get a warning if you’re about to overspend in a category.

YNAB continues to rank among the best AI-powered personal finance apps for those who prefer hands-on budgeting tools that prioritize clarity, control, and long-term planning.

• Zero-based budgeting: YNAB’s core philosophy is that every dollar has a job. It encourages you to actively plan your spending each month.
• Auto-sync: Link your checking and credit accounts once, and YNAB automatically pulls in transactions so your budgets stay up to date.
• Visual tracking: The app provides clear charts and progress bars. You’ll see at a glance if you’ve used too much of your food or entertainment budget, helping you adjust in real time.

Imagine Sarah, a freelance teacher with irregular paychecks, using YNAB: each time she gets paid, she assigns her income to rent, groceries, and a “fun money” category. One month her rent eats most of her budget, so YNAB tells her she needs to be cautious with eating out. Over time, this hands-on method helps her consistently save more each month. YNAB might not promise flashy AI automation, but it’s a powerful hands-on budgeting tool that makes every dollar count.

In the landscape of AI-powered personal finance apps, YNAB proves that a structured, proactive approach can be just as powerful as automation when it comes to mastering your money.

9. Quicken Simplifi (by Intuit)

If you want something simpler than YNAB’s level of detail, Quicken Simplifi is a great alternative. As another AI-powered personal finance app, Simplifi organizes your finances in just a few minutes each week. It securely connects all your bank accounts, credit cards, and even investment accounts to give you a complete view of your money. Simplifi has smart budgeting features: it uses AI-powered auto-categorization to sort your spending, and you can even set rules (keywords or merchants) so it learns your habits.

• Complete overview: Simplifi shows your total net worth and spending summary by aggregating all linked accounts. You can track income and expenses, and it breaks down spending beyond what many basic budgeting tools do.
• Smart categorization: Once linked, Simplifi automatically sorts transactions into categories via AI. If something gets miscategorized, you can adjust it or create a rule so the app will categorize similar transactions correctly in the future.
• Budgets & goals: Create a monthly budget plan and set individual savings goals. Simplifi also monitors bill due dates so you don’t miss a payment, and then reports how close you are to meeting your budget and goals.

Imagine Mark, a busy young professional, glancing at Simplifi every Monday morning. He sees a simple breakdown of last week’s spending – say $120 on dining out vs. $80 on groceries – and a notification that he’s only 80% to his savings goal for a weekend getaway.

Since Simplifi did the categorization for him, budgeting feels effortless. After a 30-day trial (with a 50% off first year offer), Simplifi costs about $71.88 per year. At about $6/month, it’s much cheaper than many alternatives. With a near-4.4 rating on iOS and 4.3 on Android, Simplifi is a friendly, guided budgeting tool that handles the heavy lifting so you can focus on saving more.

10. Monarch Money

Monarch Money is like having a financial GPS and is another standout AI-powered personal finance app. It links virtually every account you own – checking, savings, retirement, credit cards, loans, investments, even crypto wallets – into one dashboard. Monarch’s app automatically categorizes your transactions, so you spend less time sorting receipts.

It lets you set unlimited budgeting categories and savings goals (vacation, car fund, emergency stash, etc.), and then it shows exactly how each goal is progressing.

• All-in-one overview: Monarch supports thousands of institutions, so once you sync your accounts, you see your total net worth and an overview of spending in one place.
• Smart budgeting: The app’s algorithms auto-categorize your spending into personalized categories. This AI-driven categorization means your budgets stay accurate with minimal work.
• Unlimited goals: Unlike some budgeting tools, Monarch lets you create endless savings goals and budgets. The app shows how much to set aside each month to hit each goal, and tracks your progress.

Picture Emily and Raj saving for a new car. They sync their joint bank account, credit card, and investment account. Monarch’s charts show that last month they overspent on dining out, so it automatically adjusted their budget for the coming weeks. They set a $20,000 car savings goal, and Monarch’s interface shows the timeline to reach it.

This kind of all-in-one app (roughly $99.99/year after a free trial) is like a patient coach: it does the data crunching and you get to celebrate each milestone. Users love Monarch for giving big-picture clarity – it’s rated about 4.9 on iOS and 4.7 on Android.

11. Empower (Personal Capital)

Empower (formerly Personal Capital) is a different breed of tool. It’s free and built for investors and planners – essentially making it one of the top AI-powered personal finance apps for net-worth tracking. Instead of focusing solely on day-to-day budgets, Empower excels at giving you a holistic view of your wealth.

You connect everything (bank accounts, 401(k), brokerage, loans, etc.) and Empower shows one dashboard of your cash flow, spending, and total net worth. It does include budgeting views (tracking cash flow vs. budget), but its real strength is in investment tools. For example, Empower has an investment checkup feature to analyze your portfolio allocation, fees, and retirement readiness.

Empower is one of the most comprehensive AI-powered personal finance apps, combining robust budgeting tools with wealth management insights for users focused on long-term planning.

• Total net worth view: Empower aggregates every asset and liability so you see a single “net worth” number. You’ll also see charts of your spending vs. budget by category.
• Investment analysis: The app includes an “Investment Checkup” to compare your portfolio to ideal targets and highlight high fees, which helps you keep more of your savings invested.
• Retirement & cash: Empower offers retirement planning tools and even a high-yield cash management account, so you earn interest on money earmarked for short-term goals.

For example, Alex has multiple retirement accounts and savings. He logs into Empower and immediately sees all his balances growing. When he makes a big purchase (say a vacation), Empower’s cash-flow view instantly shows how it impacts his budget. The best part? Empower is completely free – making it a powerful no-fee budgeting and wealth-tracking tool. Many see Empower as a top AI savings app because it helps optimize your investments automatically. Not surprisingly, users rate it very highly (about 4.8 stars on iOS), especially praising its wealth-tracking features.

While Empower leans more toward investment tracking than typical AI savings apps, it still ranks among top AI-powered personal finance apps thanks to its intelligent cash flow analysis and retirement-focused features.

12. Digit (Oportun)

Digit, now rebranded as Oportun, is like an intelligent piggy bank – it’s truly an AI savings app. You link it to your checking account and set up goals (for example, “Save $300 for emergency fund”). Behind the scenes, Digit’s algorithms analyze your spending and income patterns to find safe amounts to save. It quietly transfers small chunks from checking to savings or investment accounts when it determines you won’t miss the money.

You can round up everyday purchases to the nearest dollar, and Digit will save the spare change. You can even split your automated savings between a regular savings account, an investment account, or a retirement (IRA) account.

• Auto-save algorithms: Digit’s AI determines what you can save and does it for you. For instance, if your paycheck just cleared and you have extra cash after bills, Digit might move a few dollars into savings on its own.
• Smart goals: Create and customize savings goals (like travel or emergencies). Digit tracks each goal’s progress and nudges you if you need to save more to stay on track.
• Flexible accounts: You’re not limited to just savings – Digit offers high-yield checking, automatic investing, and retirement contributions, making it an all-around AI-powered personal finance assistant.

Katie used to forget to transfer money to her vacation fund each month. With Digit, she simply set a target and the app did the rest: small transfers, roundups, even occasional paycheck holds, all automated.

Digit even pays a bonus interest (0.10% APY, paid quarterly) on savings balances – a rare perk. The service costs about $5 per month (with the first 30 days free, and some customers get extended trial offers). Users love how painless it is: Digit holds about a 4.7-star rating on iOS and 4.1 on Android, often calling it a “set-it-and-forget-it” savings tool.

The table below compares all 10 AI-powered personal finance apps, showing their standout budgeting and saving features, pricing, and typical user ratings (iOS/Android). This quick view helps you see which app might be best for your budget and savings needs:

App Name	Key AI Budgeting Features	Key AI Saving Features	Pricing	User Ratings (iOS/Android)
YNAB	Zero-based budgeting; auto-imports transactions	Encourages saving via goal categories; no explicit auto-save feature	$14.99/mo or $109/yr	4.8★ / 4.7★
Quicken Simplifi	Detailed monthly budgeting; connects all accounts; AI auto-categorization	Set and track savings goals; bill reminders to avoid fees	$71.88/yr (50% off first year)	4.4★ / 4.3★
Monarch Money	Links 13,000+ accounts; auto-categorizes spending; unlimited budgets	Unlimited savings goals; track all assets (investments, crypto, etc.)	$99.99/yr or $14.99/mo	4.9★ / 4.7★
Empower	Net worth aggregator; budgeting & cash flow dashboards	Retirement planning; investment fee analysis; emergency fund tracking	Free (no fee)	4.8★ / 3.8★
Digit (Oportun)	Automated saving based on spending analysis; goal-based transfers	Round-ups; auto-invest; allocate funds between savings, investing, IRA	$5/mo (first 30 days free)	4.7★ / 4.1★
Mint	Aggregates accounts (17,000+); auto-categorizes expenses; custom budgets	Credit score monitoring; alerts for money-saving opportunities	Free (ad-supported)	4.6★ / ~4.1★
PocketGuard	“Leftover” safe-to-spend calculator; auto bill and subscription tracking	Finds & cancels unused subscriptions; negotiates bills to save money	Free (Plus plan $12.99/mo)	4.6★ / 4.7★
Rocket Money	Subscription & bill management; auto expense categorization	Automated saving goals; concierge bill negotiation service	Free (Premium $7.99/mo)	4.5★ / 4.7★
Cleo	AI chat budgeting assistant; spending challenges and insights	High-yield savings (3.52% APY); round-ups & “Swear Jar” save hacks	Free (Pro subscription available)	4.6★ / 4.2★
Acorns	No budgeting features (focuses on automated investing)	Round-Ups invests spare change; automated recurring investments	$3–$12/mo (tiered plans)	4.7★ / 4.1★

Each of these apps brings something different to the table. Whether you need hands-on budgeting (YNAB), simple spending insights (Simplifi or Mint), all-in-one tracking (Monarch, Empower), or automated saving (Digit, Rocket Money), there’s an AI-powered tool here for you. All claims above are backed by official features and reviews, so pick the app that fits your style and let technology help you reach your financial goals.

Sources: Authoritative app reviews and official feature pages (combined facts into this summary).

Before wrapping up, it’s worth noting how these AI-powered personal finance apps are part of a much broader trend in financial technology. From budgeting tools that learn your habits to AI savings apps that automate deposits based on your behavior, this space is rapidly evolving.

Many of these AI-powered personal finance apps go beyond simple tracking — they now offer intelligent forecasting, personalized recommendations, and proactive financial guidance. And this shift isn’t happening in isolation. Major financial institutions and fintech companies are investing heavily in AI, with McKinsey reporting that AI in financial services could deliver up to $1 trillion in additional value each year through improved customer insights and operational efficiencies (source).

More interestingly, many of the same technologies behind these AI-powered personal finance apps are also revolutionizing other aspects of personal finance — from wealth management to credit scoring. I

f you’re curious about how AI is reshaping lending decisions and credit evaluations, we highly recommend reading our in-depth article on AI in Credit Scoring. It explains how machine learning is being used to assess creditworthiness more accurately, fairly, and transparently — offering a more complete picture of your financial health than traditional scoring models.

Whether you’re searching for Mint alternatives 2025, looking to explore free AI-powered budget apps, or diving into the best AI budgeting apps for beginners 2025, the takeaway is clear: automation, personalization, and proactive guidance are the new standard. These tools are no longer “nice to have” — they’re essential. And with the right mix of features, even a total finance newbie can take confident steps toward financial freedom.

Sources:
This blog post draws on a variety of reliable sources to ensure accuracy, relevancy, and depth. Statistics about user adoption and market growth were referenced from Statista’s fintech adoption data and Fortune Business Insights, which projects the personal finance app market to exceed $330 billion by 2028. App-specific features and user ratings were verified using official product pages and app store listings, including Mint (Intuit), YNAB, Cleo, Albert, Plum, Chip, PocketGuard, Monarch Money, Quicken Simplifi, Empower, and Digit/Oportun.

Broader insights into how AI is transforming financial services were supported by McKinsey & Company and aligned with internal research and testing for DigitalAiliens. All information presented is current as of 2025 and intended to help users make informed, confident financial decisions.