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RANKINGS/AI TOOLS/AI FINANCIAL-PLANNING APPS

Top 10 AI Financial-Planning Apps

10 ranked on capability, adoption, value, momentum and trust, with a plain verdict on every entry.

LISTER SCORE · UPDATED REGULARLY
Cleo is the top choice for budgeting and expense tracking, especially suited for younger users seeking a casual tone. Monarch Money stands out as the best comprehensive dashboard for holistic wealth management, making it ideal for families and detailed long term financial planners.
RANKENTRYSCORETRENDFROM
1CleoCleo was founded in 2016 and communicates primarily via a chat interface with a notoriously cheeky AI persona.95.0NEW$5.99 per month
2Monarch MoneyMonarch Money allows multiple partners to securely collaborate on a single financial account with distinct login credentials.92.7NEW$14.99 per month
3EmpowerFormerly known as Personal Capital, Empower manages billions of dollars in digital assets for clients globally.90.3NEWFree
4PlumPlum originated in London and uses machine learning to automatically transfer small amounts of money into savings every few days.88.0NEWFree
5WισισWio is backed by major institutional investors in the Middle East to provide next generation banking.85.7NEWFree
6PocketGuardPocketGuard connects directly to loan providers to help users find opportunities for debt consolidation.83.3NEWFree
7CopilotCopilot relies heavily on machine learning algorithms to continuously improve its transaction categorisation accuracy.81.0NEW$13.00 per month
8YNABYNAB stands for You Need A Budget and was founded on the philosophy that every single dollar must be assigned a specific job.78.7NEW$99.00 per year
9EveryDollarEveryDollar follows the traditional seven baby steps of financial peace taught by personal finance personality Dave Ramsey.76.3NEWFree
10FinaFina allows users to write custom AI prompts to categorise and query their own financial transactions.74.0NEW$10/month
LAST UPDATED 2026-07-20CURATED · UPDATED REGULARLY

The ranking, in detail

01

Cleo

The AI assistant that roasts your spending

An AI-powered financial assistant that uses a humorous and direct personality to help users budget, save money, and monitor spending habits.

From $5.99 per monthBest for Budgeting and humorous financial coaching
95.0
02

Monarch Money

Modern household finance and budgeting

A comprehensive collaborative financial management platform designed to track accounts, budgets, and investments in one customisable dashboard.

From $14.99 per monthBest for Holistic family wealth management
92.7
03

Empower

Wealth management and financial tools

A digital wealth management firm providing automated portfolio analysis, retirement planning tools, and optional human financial advisors.

From FreeBest for Investment tracking and retirement forecasting
90.3
04

Plum

Grow your wealth automatically

An intelligent money app that automates saving, budgeting, and investing using smart algorithms to calculate what you can afford to put aside.

From FreeBest for Automated everyday micro-savings
88.0
05

Wισισ

Next generation digital banking

An integrated digital banking platform featuring AI-driven financial insights to help freelancers and SMEs manage cash flow.

From FreeBest for Freelancer and small business cash flow
85.7
06

PocketGuard

Take control of your personal finances

A personal finance app that calculates your 'In My Pocket' amount after bills, savings, and essentials are accounted for.

From FreeBest for Simplified daily spending limits
83.3
07

Copilot

Your smart financial companion

A beautifully designed, highly customisable personal finance tracker built specifically for Apple ecosystem users.

From $13.00 per monthBest for Apple users seeking sleek UI design
81.0
08

YNAB

Gain total control of your money

A zero-based budgeting application based on four strict rules designed to help users break the paycheck to paycheck cycle.

From $99.00 per yearBest for Intentional zero-based budgeting
78.7
09

EveryDollar

Create a budget that works

A straightforward budgeting tool created by Ramsey Solutions that guides users through building a monthly zero-based budget.

From FreeBest for Dave Ramsey method followers
76.3
10

Fina

A flexible financial tracking and planning platform that uses AI to let users build custom workflows, dashboards, and categorisation rules.

From $10/monthBest for Power users who want fully customisable financial dashboards
74.0

Frequently asked questions

Are AI financial planning apps safe to use?

Yes, reputable financial apps use bank-level encryption, read-only access tokens, and security measures like two-factor authentication to protect user data.

Do AI budgeting apps replace human financial advisors?

They are designed to automate day-to-day budgeting, tracking, and basic investing, but complex estate planning or high net worth management still benefits from human advisors.

How do AI finance apps make money if they offer free versions?

Most apps operate on a subscription model for premium features, while others earn revenue through referral fees when users sign up for recommended financial products.

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