Best 5 AI-Powered Personal Financial Apps 

In the era of advanced technology, personal finance management has been revolutionized by the integration of artificial intelligence (AI) into various apps. These apps leverage AI algorithms to provide users with personalized insights, budgeting assistance, and investment advice. In a world where time is money, harnessing the power of artificial intelligence (AI) has become the key to mastering personal finance. Here are five of the most popular personal finance apps that harness the power of AI: 

5 Best AI-powered Personal Finance Apps

  1. Cleo: Not basically a mobile app, but Cleo is an AI-powered Messenger-based financial assistant that helps users manage their finances. It also lets its users link their bank accounts and send money to Facebook Messenger contacts. Cleo is an AI tool for budget planning and managing personal financesthat analyzes your income and expenditure by categorizing them to understand where your money is going. The user can also set a limit of his/her spare change on Cleo and the assistant will put that amount aside as savings. That is not all, one can even ask Cleo questions such as whether you have the budget to buy a particular product or whether you can afford a coffee — the assistant will take a dive into the graphs and data-driven insights and answer the queries. 

Cleo, the first app on this list, serves as a virtual financial assistant and has taken the market by storm. With Cleo, managing the money becomes a breeze as the app uses AI algorithms to analyze spending patterns, identify saving opportunities, and offer personalized budgeting tips. By linking your bank accounts, Cleo can provide real-time updates on your financial status, helping you make informed decisions. Furthermore, Cleo utilizes natural language processing (NLP) to answer your queries instantly, making the app feel like a trusted friend guiding you through your financial endeavors. Another standout feature of Cleo is its ability to save automatically. By setting customized saving goals and leveraging its AI capabilities, Cleo can effortlessly save small amounts from your daily transactions, enabling you to build a robust savings fund over time. With its user-friendly interface, intelligent insights, and automatic savings features, Cleo empowers users to take control of their finances with ease. 


  • Gives monthly reminders so you never miss a payment on a bill 
  • Has a 24*7 AI assistant where you can chat about any finance-related queries 
  • It keeps an eye on your bank account balance and notifies you when it gets low to avoid paying overdraft fees 
  • It has a roast mode where the AI will roast you to induce self-control and a hype mode for building motivation 
  1.  Eva Money: Created by Fintel Labs, Eva Money is a personalized financial assistant mobile app available for iOS and Android. The app uses artificial intelligence and is also Voice/Chat-enabled. It answers questions related to your finances using conversational intelligence and improves overall financial wellness. Further, you can also link all your bank accounts with the Eva Money app and get a complete snapshot of your current financial standing. That is not all, it can even recommend the best ways to maximize cashback, how to save money, how to improve credit scores, and so on. When it comes to investment management, Eva Money is at the forefront. 

This AI-driven app offers a comprehensive platform for individuals looking to optimize their investment portfolios. Eva Money utilizes advanced algorithms to assess market trends, analyze risk factors, and suggest suitable investment opportunities tailored to your financial goals. With Eva Money, even novice investors can make informed decisions with confidence. The app provides personalized recommendations, real-time performance tracking, and detailed reports to ensure that you stay updated on your investments. Furthermore, Eva Money’s intuitive interface and user-friendly features make it accessible to users of all experience levels. 

  1. Mint Zip:  Mint is a comprehensive personal finance app that helps users track their spending, create budgets, and set financial goals. It uses AI algorithms to analyze the transactions and provide insights into your spending habits. Mint can categorize transactions automatically, helping you understand where your money is going. The app uses AI to offer personalized budget recommendations based on your spending patterns. It also provides alerts for unusual spending or bill reminders. 

 MintZip is an AI-powered fintech app that delivers end-to-end financial solutions. The MintZip app is also equipped with its flagship product ‘Misa’ which is an AI-based financial companion and is powered by Conversational AI. It takes into account things like behavioral sciences and financial sciences, and it is continuously training on financial knowledge to deliver a tailored response based on the user’s specific financial situation. 

  1. : is an AI money management app that stands out for its intelligent financial advice and personalized guidance. By analysing your financial data, can offer tailored recommendations to help you make smart financial decisions. Whether you need assistance with investments, debt management, or savings strategies, can recommend the best. 

With its intuitive interface and conversational AI capabilities, creates a seamless user experience. The app provides real-time insights into your financial health, alerts you of any potential issues, and offers proactive suggestions to improve your financial well-being. By harnessing the power of AI, empowers individuals to take charge of their financial future with confidence. Created in 2015 by two Silicon Valley ​​entrepreneurs, Cristiano Oliveira and former professional motocross pilot Lucas de Moraes, Olivia is a free financial assistant app that uses artificial intelligence and behavioural economics. This app finds patterns in how someone typically spends their money. And then uses those patterns to create strategies that help users spend less on the same things, freeing up money. Further, Olivia also comes up with challenges for its users based on where they need the most help.  These challenges are created in such a way that it helps the user change their habits and take better control of their finances over time. At present, Olivia is only available on iOS and only in the US and Brazil. 

  1. Wizely : Wizely is another AI-powered money-saving app that allows its users to save little by little, offering the choice of Flexi and Savings Plan. It also claims to be India’s first digital piggybank app.  

Some of the benefits of Wizely are: 

• unlimited referral 

• pre-booking of desired purchases 

• up to 15% additional earnings on Wizely savings on redemption 

• the choice to withdraw money savings anytime and anywhere without deductions 


  • Money saving and spending challenges are arranged for which you get cash rewards 
  • Creates flexible saving plans for travels, emergencies, and everything in between. 
  • Provides an autosaving option on a weekly, monthly, or yearly basis. 

AI and ML are at the core of Wizely. Its AI and ML algorithms help the platform deliver an adaptive learning approach to make it much more convenient for users to save.  Wizely, is an AI money management app that focuses on providing actionable insights to optimize your financial choices. Wizely employs sophisticated algorithms to analyze your spending habits and offer personalized recommendations to help you make smarter financial decisions. By leveraging machine learning, Wizely continuously learns from your behaviour and adapts its suggestions accordingly. Whether it’s finding the best credit card, optimizing your insurance coverage, or maximizing your rewards, Wizely provides valuable insights to help you make the most of your financial resources. 

AI tools for personal finance and budgeting are a revolution living in our pockets. They can efficiently help us budget our expenses, track our transactions, and save up for the future. They are easily accessible financial advisors present 24*7. They also promote financial literacy where you can learn about money without any judgment and make informed decisions regarding your investment.