Best AI Apps to Manage Money in 2025
Managing money is no longer just about keeping a spreadsheet or using a simple budgeting app. With inflation, multiple income sources, and the complexity of investments, traditional methods often fall short. Thankfully, AI-powered finance apps are changing the game.
In 2025, Artificial Intelligence is helping people budget smarter, invest better, and save more with less effort. From personalized recommendations to real-time financial insights, these tools can help you take full control of your money.
Here are the best AI apps to manage money in 2025 – whether you want to budget, save, invest, or track expenses.
1. Monarch Money – AI for Smarter Budgeting
Monarch Money uses AI to analyze your spending habits and automatically create a budget tailored to your lifestyle.
- Features:
- Tracks income, expenses, and investments in one dashboard
- AI suggestions for savings goals
- Supports joint accounts (great for families)
- Best For: People who want a clean, all-in-one money manager.
- Pricing: Free trial → \$14.99/month
👉 If you want an app that balances budgeting + investments, Monarch is a top pick.
2. Cleo AI – Your Personal Money Chatbot
Cleo is a fun and interactive AI chatbot that makes money management less boring.
- Features:
- Analyzes transactions & spending patterns
- Creates smart budgets and reminders
- Unique: “Cleo Roast Mode” calls you out when you overspend
- Best For: Millennials & Gen Z who want finance advice with personality.
- Pricing: Free basic plan, Cleo Plus \$5.99/month
👉 Perfect if you want a friendly AI that keeps you accountable.
3. YNAB (You Need A Budget) – Discipline with AI Insights
YNAB has been a popular budgeting app for years, and in 2025, it’s upgraded with AI-powered insights.
- Features:
- Zero-based budgeting system
- AI-driven tips to cut expenses
- Debt payoff tracking
- Best For: People who want strict financial discipline and debt-free living.
- Pricing: \$14.99/month after free trial
👉 Best choice if you want a serious money coach in your pocket.
4. Fyle – AI Expense Tracking for Professionals
Fyle uses AI to simplify business and freelance expense management.
- Features:
- Auto-scans receipts & bills using AI
- Syncs with bank accounts & credit cards
- Expense categorization & tax reports
- Best For: Freelancers, small business owners, and professionals.
- Pricing: Custom plans
👉 If you need AI to handle business expenses → Fyle is a lifesaver.
5. WallyGPT – AI-Powered Personal Finance Assistant
Wally has integrated GPT-style AI to help users make smarter financial decisions.
- Features:
- Multi-currency expense tracking (great for travelers)
- Conversational AI for financial advice
- Goal setting & savings tips
- Best For: Travelers, expats, or anyone managing money across countries.
- Pricing: Free with premium features
👉 Ideal if you need personal finance + travel-friendly AI support.
6. ChatGPT – Custom AI Finance Assistant
Yes, even ChatGPT can be your money manager in 2025. With custom GPTs, plugins, and integrations, it can do a lot more than chat.
- Features:
- Generate personal budgets from income & expense inputs
- Tax-saving strategies (country-specific with plugins)
- Integrates with apps like Notion AI, Zapier, Google Sheets
- Best For: Tech-savvy users who want flexibility & automation.
- Pricing: Free / Plus \$20/month
👉 With the right prompts, ChatGPT can act as your personal finance planner.
7. Robo-Advisors (Betterment, Wealthfront, Groww, Zerodha)
AI is transforming investments with robo-advisors. These platforms use machine learning to balance risk & returns automatically.
- Features:
- Automated portfolio management
- AI-driven asset allocation
- Tax optimization features
- Best For: Passive investors who want hands-off wealth growth.
- Pricing: Varies (often 0.25% of assets)
👉 Great if you want to invest without spending hours on stock research.
🔍 Quick Comparison Table
| App | Best For | AI Features | Pricing |
|---|---|---|---|
| Monarch Money | All-in-one budgeting | AI savings & investment tips | \$14.99/mo |
| Cleo AI | Fun money management | Chatbot + spending analysis | Free / \$5.99+ |
| YNAB | Strict budgeting | Zero-based + AI insights | \$14.99/mo |
| Fyle | Professionals & business | AI receipt scanning | Custom |
| WallyGPT | Travelers & expats | GPT-style AI assistant | Free / Premium |
| ChatGPT | Custom finance assistant | Budget planning, automation | Free / \$20/mo |
| Robo-Advisors | Investing & wealth growth | AI portfolio management | % of assets |
✅ Conclusion
AI has made money management smarter, faster, and more personalized than ever. Whether you want to budget better, invest smarter, or track expenses effortlessly, these apps can help you in 2025.
👉 If you’re just starting, try Cleo AI for fun money management or Monarch Money for serious budgeting. For investments, robo-advisors like Betterment or Groww are the best way to go hands-off.
💡 Pro Tip: Combine one AI budgeting app + one AI investing tool → complete financial control in 2025.