When it comes to managing money and investments online, we’ve spent the last couple of decades juggling tons of financial apps from big names like Intuit, Betterment, and Robinhood. But now, AI-powered apps are stepping in and changing the game. They bring automation, predictive analytics, and super-personalized insights to personal finance, making things easier and smarter.
These apps go beyond just organizing your finances—they work like personal financial assistants. They can predict what you need, help you manage debt, and fine-tune your investments based on your spending and saving habits. If you’re thinking about upgrading how you handle your money in 2025, trying an AI-powered app could save you a lot of time, money, and headaches. Many of these tools combine multiple features into one, so you can manage everything without bouncing between apps.
Origin
One standout is Origin, a one-stop shop for managing all aspects of your finances. Origin handles tax filing, estate planning, budgeting, and investment management—all in one app. This means fewer tools to juggle and fewer fees to pay. Its AI-powered assistant acts like a personal financial advisor, offering tailored advice on things like retirement planning, building an emergency fund, and optimizing your investments. A unique “Couples” feature even lets two people in a household manage their shared finances on one platform, promoting transparency and reducing money-related stress.
Origin is setting a new standard for financial apps by combining essential services into a single, easy-to-use platform. It’s perfect for anyone—whether you’re new to managing money or an experienced financial planner—who wants a stress-free way to take control of their finances.
Alpha by Public
Alpha’s AI-powered tools give you real-time answers about your investments by pulling live market data. Whether you’re checking on stocks, ETFs, or other assets, Alpha delivers up-to-date insights instantly. It’s a great option for everyday investors who want to manage their portfolios without needing deep financial expertise. By making advanced AI investing insights accessible to everyone, Alpha stands out as a leader in the growing world of AI finance tools.
Cost: $8/month for Premium (free if you have a $50k account balance)
Free version: Available
Magnifi
Magnifi stands out with its AI-powered search engine that makes finding investments as easy as asking a question in plain language. For example, you can type something like, “What are the best funds for long-term growth?” or “Which ETFs have low fees?” Magnifi’s AI assistant will give you personalized recommendations, breaking down the risks and potential growth of the options it suggests. It’s a user-friendly way to simplify investing and take charge of building your wealth.
Cost: $14/month or $132/year
Free Version: Not available
Albert
Albert makes managing your money simple by analyzing your income and spending to figure out small amounts you can save. It automatically moves that money into accounts you set up. Albert also keeps an eye on your subscriptions, letting you know which ones you could cancel or lower. A standout feature is Albert Genius, a team of real financial experts you can text for personalized advice on things like reducing debt or building an investment plan. This mix of AI tools and human expertise gives you a well-rounded approach to financial planning.
Cost: $9.99/month for Albert Basic, $14.99/month for Albert Genius
Free version: Not available
Cleo
Cleo is a fun, chatbot-powered AI financial assistant that makes managing your money feel easy and even entertaining. The app keeps track of your spending, gives insights into your financial habits, and offers practical budgeting tips. You can also use Cleo to set savings goals, build credit, create budgets, and get reminders for upcoming bills.
What makes Cleo especially popular with Gen Z and Millennials is its humor and laid-back vibe, turning the intimidating task of money management into something approachable. Cleo’s AI gives personalized advice that adapts to how you spend, making it a great choice if you’re new to budgeting or just want a simpler way to stay on top of your finances.
Cost: $5.99/month for Cleo Plus
Free Version: Yes
Trim
Trim is an AI-powered financial assistant that helps you save money by keeping tabs on your subscriptions and recurring expenses. It connects to your bank accounts, analyzes your spending, and spots ways to cut costs—like canceling unused subscriptions or reducing high-interest fees.
One of Trim’s standout features is its ability to negotiate bills for you, such as internet or cable, potentially lowering your monthly payments without you lifting a finger. It also offers tools to help you pay off debt and gives personalized financial advice. By eliminating unnecessary charges, Trim could save you hundreds of dollars a year.
Cost: Free for basic features; success fees for bill negotiation
Free Version: Yes
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Candlestick
Candlestick is an investment platform designed to make stock market investing simple and accessible, especially for beginners or casual investors. It offers weekly AI-powered stock picks tailored to your preferences, aiming to outperform the market. The platform analyzes dozens of metrics for each stock and trains its model using past data to deliver highly accurate recommendations.
What sets Candlestick apart is how it presents complex insights in a clear, easy-to-understand way. This helps you build confidence as an investor and make choices that match your risk tolerance and long-term financial goals.
Cost: $9.99 a month for premium
Free Version: Yes
Whether you’re seeking an all-in-one financial tool or need guidance in a specific area, these AI apps can boost your financial health and knowledge—empowering you to make smarter decisions for your future.