From help with writing and email filtering to online shopping and traffic navigation, AI-powered apps are making our lives easier. But did you know that AI can also help you manage your money?
So whether you want to invest more, pay down debt, or get a better handle on your budget, these apps can help.
The following apps rely on AI technology to deliver various financial products and services, such as checking accounts, high-yield savings accounts, investment funds, budgeting tools, payment reminders, and automatic transfers.
| App | Best For | Price | Learn More |
|---|---|---|---|
 | Financial coaching | $5.99 per month | Learn more |
 | Investing | $13.99 per month or $131.99 per year | Learn more |
 | Micro-investing | $3 to $9 per month | Learn more |
 | Subscription management | Free- $12 per month | Learn more |
 | Bill tracking | $6.25 to $12.99 per month | Learn more |
 | Budgeting | Free | Learn more |
 | Online shopping | Free | Learn more |
 | Organizing BNPL | $4.99 per month or $12.99 per month | Learn more |
 | Bill negotiation | Free (kind of) | Learn more |
 | Getting out of debt | Free | Learn more |
 | Fuel-efficient driving | Free | Learn more |
1. Cleo
Cost: $5.99 per month
Best For: Those who want a real-time AI financial coach
Cleo’s tagline is “AI Meets Money.” The app uses AI integration to help you with everything from building credit to avoiding overdraft fees.
The Cleo budget planner can help you identify, sort, and organize your expenses, build a budget based on your net income, and “spot” you a cash advance without a credit check if your account goes negative.
Saving tools include a fine jar for when you break a promise to yourself and a round-up savings feature. You can also set up an automatic transfer into savings if you prefer a set-it-and-forget-it approach.
Check out our full Cleo review if you want to learn more.
2. Magnifi
Cost: $13.99 per month or $131.99 per year
Best For: Those wanting an AI investing partner
Magnifi is an app that uses AI to help you invest your money. The app helps you determine the best investment allocation for your financial situation and personality.
You can use Magnifi to learn more about investing, research investment options, set financial goals, and more. Magnifi offers stocks, ETFs, and Bitcoin.
Magnifi’s search engine also helps you search for investments based on your personal interests. For example, you can narrow your search using filters such as renewable energy, logistics, or investments for seniors.
Magnifi offers a commission-free brokerage where you can purchase stock or ETFs, but you do need to pay for a monthly or annual subscription, which is pricey compared to top robo-advisor platforms such as M1 Finance or Betterment.
3. Acorns
Cost: $3 to $9 per month
Best For: A savings app for those who want to start small
Acorns is a banking app that helps you spend, save, and invest effortlessly. It offers a high-yield savings account, checking account, and the Mighty Oak debit card to help you spend money efficiently.
When you bank with Acorns, you can automatically add to your investment account in the form of round-ups on purchases.
You can also move money into an emergency fund automatically. Acorns offers a competitive yield on both its savings and checking accounts. Acorns is available for download on the Apple App Store and Google Play Store.
Check out our full Acorns review here.
4. Rocket Money
Cost: Free- $12 per month
Best For: Keeping track of your financial data.
Rocket Money touts itself as a financial assistant. Its money management app has several features with the paid subscription, including:
- Subscription management
- Budgeting tools
- Spending insights
- Automatic savings
- Net worth tracking
When you link Rocket Money to your financial accounts, the app assists you in creating a stronger financial picture.
Rocket Money is also great for helping you track both your credit and bank account balances and will let you know when your bank account gets too low, or your credit balances get too high.
Read our Rocket Money review in order to learn more.
5. PocketGuard
Cost: $6.25 to $12.99 per month
Best For: Bill tracking
PocketGuard ensures you'll never miss a bill's due date again. This budgeting app links your credit cards, checking and savings accounts, investments, and loans, and categorizes them all in one easy-to-manage place.
The app will monitor your bills and subscriptions, and send you automated reminders before each bill's due date.
While you can manually enter all your bill info, that defeats the purpose of PocketGuard's AI, which can analyze your transactions to detect recurring payments and set your bill schedule for you. But more than that, it can provide you with insights into your spending habits and help you set a personalized budget.
And rather than being assigned a budgeting method that might not fit your style, you can choose from the 50/30/20, zero-based, and envelope budgeting methods.
PocketGuard can also help you create a debt payoff plan and negotiate your bills.
6. Wally
Cost: Free
Best For: Those who want detailed budgeting tools
Wally is much like other AI apps in that it helps you budget, save, set goals, and more. Where Wally stands out is in its AI chat assistant, WallyGPT.
You can ask WallyGPT anything from “How much of my income am I saving?” to “What have I spent at restaurants in the last six months” and get a detailed answer.
WallyGPT can also help you plan specific savings goals, set an advanced notice for upcoming bills, and custom rules for every part of your financial plan.
The app will also provide recommendations for helpful services and has an AI-powered learning center for all of your money questions.
Bonus: Wally works in over 70 countries, which is very helpful if your money is spread out over different currencies. And yes, it's 100% free.
7. PayPal Honey
Cost: Free
Best For: The avid online shopper
PayPal Honey (formerly just “Honey”) is a quiet little app that works both on your PC and on your mobile device.
As you shop online, Honey searches for the best deals on products or services you’re looking to buy.
PayPal Honey works with over 30,000 stores so that it can find you the best deals around. It also has a Droplist feature so you can add products. With Droplist, Honey will track the history of prices on selected items and notify you when the price drops.
Sign up for Honey Gold, the app’s rewards program, and earn points to get free gift cards to popular stores. See our PayPal Honey review to learn more.
The average customer savings for PayPal Honey users is $126 a year.
8. Cushion
Cost: $4.99 to $12.99 per month
Best For: Managing BNPL Payment Due Dates
If you find yourself frequently using buy now, pay later (BNPL) plans, then you'll want to ensure you're tracking how much you've borrowed, as well as the due dates for all your installment payments.
Cushion is a digital app that offers just such a service. It's a BNPL tracker that helps you monitor upcoming due dates and make payments on time. With the app, you get a virtual Cushion card, which you put on file with all your billers. Then, when a payment is due, Cushion makes the payment on your behalf and charges your bank account to cover the cost.
As a bonus, you can also build credit by using Cushion since your payments are reported to Experian.
Cushion pricing starts at $4.99 per month to manage and pay your BNPL payments, but you can also add upgrade to the premium version for $12.99 which will include all your bill payments, including subscriptions and utilities, through Cushion. The premium version also allows you to sync your BNPL and bills to your preferred calendar, making it easier to time your payments with your paychecks.
9. OneMain Trim
Cost: Free (kind of)
Best For: Those who want to save money effortlessly
OneMain’s Trim app works to save you money by quietly searching linked cards and bank accounts for hidden subscriptions.
When it finds a subscription transaction, Trim asks you if you want to keep it. If you don’t, Trim will cancel the subscription on your behalf.
The app also has a bill negotiation feature where it will work to get you lower prices on insurance, streaming subscriptions, and more.
Trim has no monthly or annual subscription cost. However, if the app saves you money when using the optional bill negotiation fee, it’ll charge you up to 15% of the annual savings. To save even more money, you might decide to look for those long-forgotten subscriptions on your own.
According to Trim, the average user saves $213 per year, and it keeps your data safe with bank-level security.
10. Bright Money
Cost: Free
Best For: Those searching for debt freedom
Bright Money uses AI to study your spending habits, income and debt, and then develops a plan to help you pay your debt off quickly.
The app analyzes your financial situation every week, moving money to your Bright Stash account and then using that money to pay down your debt faster. Think of it as an automated debt snowball plan.
If you find that Bright Money is moving too much money or not enough, you can manually adjust the settings to fit your needs better.
You can also use Bright Money to build your savings balance more quickly.
11. Waze
Cost: Free
Best For: Frequent drivers
Waze is a different kind of money-saving app. It works by using AI to help you find the most fuel-efficient routes to where you’re headed.
It can detect accidents, construction, and other traffic-stopping events while you're on the road commuting to work or on a long drive. When it does, it reroutes you to a clearer path, thereby saving you both time and money on gas. You can also plan trips in advance and save them to the app.
Instead of having to wait in traffic and burn up costly fuel or battery power, you can continue on your route to your destination.
FAQs
Many fintech apps use artificial intelligence to help you organize your finances. The apps can track your spending patterns, help with your budget, manage cash flow, and recommend investments and other financial products.
It’s important to read the fine print, but most AI and other apps have strict security standards, and some have bank-level security measures in place. Visit the website of the app you’re considering using to find out details.
The best AI apps are the ones that can help you meet your financial goals. For example, are you struggling to manage your cash flow? If so, you might want to use a budgeting app like Wally. Do you need to cut expenses or pay down debt? If that’s the case, consider apps like OneMain Trim, Waze, or Bright.
✨ Related: AI Apps to Help You Make Money
Final Thoughts
There you have it, our list of AI apps to help you save money. The nice thing about many of these apps is that they're free to use. However, keep in mind that while these apps incorporate AI, there are other financial apps out there that may do a better job, and often for a better price. For example, if you need help with budgeting, you may want to check out our list of the best free budgeting apps. Also, here is a guide to our top investing apps.
Whichever apps you choose, use them to your advantage, and you'll be well on your way to meeting your financial goals this year.
