AI-powered personal finance apps are transforming the way Americans budget, save, invest, and manage their money in 2025. Whether you want to automate your savings, monitor your investments, or just get better at everyday budgeting, there’s an AI finance app for you. Below, you’ll find unbiased reviews and ratings of the top AI finance apps for US users—so you can find your perfect fit for smarter money management.
Table of Contents
- Mint: The Classic AI-Powered Budget App
- Cleo: AI Chatbot for Finance, With Personality
- Personal Capital (Empower): AI-Driven Wealth & Investment Management
- Rocket Money: Bill Negotiation & Expense Optimization AI
- Plum: Automated Savings and Investing 24/7
- Honorable Mentions: Other Smart AI Finance Apps
- How to Choose the Best AI Finance App for You
Mint: The Classic AI-Powered Budget App
Summary: Mint uses proven AI to analyze spending, create automatic budget categories, and alert you when you go off track. It’s beloved for its all-in-one financial dashboard, free credit score tracking, and bill reminders.
- AI Features: Spending categorization, personalized budget recommendations, bill reminders, credit score monitoring.
- Best For: Beginners, everyday budgeters, and anyone who likes simplicity.
- Platforms: iOS, Android, Web
- User Rating: ★★★★½ (4.5/5)
Why US Users Love It:
“Mint is like having a personal financial assistant. The AI learns your habits and makes custom suggestions to help you save more and spend smarter.”
Cleo: AI Chatbot for Finance, With Personality
Summary: Cleo is an AI finance assistant you can text or chat with—fun, witty, and honest. The app reads your transactions, answers budgeting questions, and “roasts” your bad habits (in a friendly way). It also automates savings by rounding up spare change and offers bill negotiation.
- AI Features: Conversational chatbot, automatic savings, expense insights, personalized nudges, bill negotiation.
- Best For: Millennials, Gen Z, users who want encouragement and accountability.
- Platforms: iOS, Android, Web
- User Rating: ★★★★☆ (4.3/5)
Why US Users Love It:
“Cleo’s personality keeps me motivated. I actually check my budget every day—and save without thinking about it.”
Personal Capital (Empower): AI-Driven Wealth & Investment Management
Summary: Personal Capital—now branded Empower—uses AI for deep-dive investment analysis, retirement planning, and portfolio optimization. Great for tracking net worth, investments, and getting AI-powered recommendations for smarter financial growth.
- AI Features: Investment analysis, retirement forecast, smart portfolio rebalancing, fee analyzer.
- Best For: Investors, retirees, higher net worth individuals, and those looking for all-in-one money management.
- Platforms: iOS, Android, Web
- User Rating: ★★★★½ (4.6/5)
Why US Users Love It:
“Personal Capital’s investment tools are unmatched—AI helps me optimize fees and grow my retirement faster.”
Rocket Money: Bill Negotiation & Expense Optimization AI
Summary: Rocket Money (formerly Truebill) goes beyond budgeting—with AI algorithms that scan your bills to find savings, negotiate better rates, and cancel unwanted subscriptions. It’s ideal for maximizing every dollar.
- AI Features: Bill scanning, automated savings, subscription detection/cancellation, smart spending alerts.
- Best For: Busy professionals, anyone who wants to save on bills and avoid “subscription creep.”
- Platforms: iOS, Android, Web
- User Rating: ★★★★☆ (4.4/5)
Why US Users Love It:
“I saved $500 in my first month with Rocket Money’s AI bill negotiation—set it and forget it for real results.”
Plum: Automated Savings and Investing 24/7
Summary: Plum uses advanced AI to calculate what you can afford to save and invests it automatically. The app monitors your account balance, income, and spending habits, and sets aside money daily—no effort required.
- AI Features: Automated savings calculations, investment recommendations, bill switching for better deals.
- Best For: US users who want hands-off saving and investing, busy professionals.
- Platforms: iOS, Android, Web
- User Rating: ★★★★☆ (4.5/5)
Why US Users Love It:
“Plum’s AI grows my savings without me even noticing. The investment options are easy, too.”
Honorable Mentions: Other Smart AI Finance Apps
- SuperAGI – Automated tracking, personal finance coaching, and AI-driven saving recommendations.
- Magnifi – AI portfolio analysis and investing research.
- TrendSpider, Danelfin, Ainvest, Streetbeat – Specialized AI stock-picking and investment research platforms for more advanced users.
How to Choose the Best AI Finance App for You
- Decide Your Main Goal: Budgeting? Investing? Bill negotiation? Choose an app that focuses on your top priority.
- Evaluate Security & Privacy: Choose apps with strong US regulatory compliance, encryption, and clear privacy policies.
- Test User Experience: Most apps offer a free tier—try a few to see what feels most intuitive.
- Start Small: Sync one account and check how well the AI analyzes and categorizes your data.
- Read Real Reviews: Look for user feedback (like above) to see how people actually use the app in the US.
Final Thoughts
AI finance apps are making smarter money management easier for US consumers in 2025—whether you’re budgeting, building wealth, or just want to save on monthly bills. The best app for you will balance ease of use, security, automation features, and actionable insights—all powered by advanced AI. Start small, find your favorite, and watch your financial health improve day by day.