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Home Finance Personal Finance

rewrite this title Best AI Budgeting Apps to Help You Save Money in 2025

Andrew Schrage by Andrew Schrage
April 21, 2025
in Personal Finance
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We all live busy lives, and oftentimes, our finances come last when it comes to staying organized. But budgeting and understanding your financial situation should be a top priority. 

Fortunately, there are AI budgeting apps to make managing your finances much simpler, but which one is right for you? 

Best AI Budgeting Apps

Here are the best AI-powered apps that can help you keep your budget in order:

1. Monarch Money

Best for Comprehensive Financial Management

Cost: $14.99/month or $99.99/year. For a limited time get 50% off your first year with code MONARCHVIP

App Store Ratings: 4.9/5 (50,000+ reviews)

Monarch Money leads the pack as a sophisticated AI-powered financial platform that brings unprecedented clarity to your entire financial picture. Named Wall Street Journal’s and Forbes’ Best Budgeting App, Monarch uses advanced AI to automatically categorize transactions, identify spending patterns, and provide actionable insights that transform how you manage money.

The platform’s AI algorithms analyze your financial behavior to offer personalized recommendations for optimizing your budget and achieving your goals. Unlike basic budgeting tools, Monarch’s machine learning capabilities improve over time, becoming increasingly accurate at predicting cash flow, detecting unusual transactions, and suggesting opportunities to save.

Monarch’s AI-driven Smart Rules feature lets you create custom automation for organizing spending, while its intelligent Bill Sync technology automatically tracks statement balances and upcoming payments across all your accounts. The platform even uses predictive analytics to help forecast future expenses and investment performance.

With Monarch, you can:

Get AI-powered spending categorization that becomes more accurate over time

Receive intelligent alerts for unusual spending patterns or potential savings opportunities

Access automated financial reports with customizable insights

Use predictive cash flow analysis to avoid overdrafts and maximize savings

Collaborate with partners through shared AI-driven financial insights

Pros

Utilizes sophisticated AI for truly personalized financial managementProvides predictive analysis for proactive financial planningOffers intelligent expense categorization that improves through machine learningFeatures collaboration tools with separate AI-tailored insights for each user

Cons

Premium price point compared to basic budgeting appsNo permanent free tier beyond the 7-day trial

Read our Monarch Money Review for more information.

Sign Up

For a limited time get 50% off your first year with code MONARCHVIP

2. Cleo

Best Overall

Cost: Free (upgrade option $5.99/month)

Cleo is an AI-powered financial assistant on a mission to help you save money. It’s been in existence for six years and provides personalized advice via text regarding your finances. It intends to help you make smarter financial decisions.

Cleo is a ‘freemium’ app available on iOS and Android and has many free features, including AI-created Budgets.

If you upgrade, you also get access to:

Cash advances*

Cashback at your favorite stores

Credit Coaching 

*Eligibility requirements apply. Not all users will qualify. Advance amounts range from $20 to $250. Same-day transfers are subject to express fees. Visit meetcleo.com/terms for more information.

Pros

Completely customizableTakes less than 2 minutes to set upUses humor to help you learn more about your finances

Cons

Only available in the United States 

Learn More at MeetCleo.com

3. Wally

Best for Goal Planning

Cost: Free

Wally is the world’s first AI personal finance app. Once you connect your accounts to Wally, it automatically tracks your spending and bills. It also helps you budget and manage your cash flow.

You can talk to the WallyGPT assistant to get advice on your current finances or to set goals. You can even ‘get schooled,’ learning about investing or personal finance topics you don’t understand. 

Pros

100% automated Uses predictive analysis to help you save moreAvailable in 70 countries, it is good for those with investments abroad

Cons

Doesn’t use two-factor authentication

Learn More at Wally.me

4. Magnifi

Best for Investing

Cost: $11 per month

Investing can feel overwhelming, but with Magnifi, the AI assistant for investing, you’ll instantly have all your questions answered.

With Magnifi, you can find and research the top investments, ask specific questions about the market, or even ask educational questions, like what’s the difference between a mutual fund and an ETF?

With Magnifi, you’ll build an investment strategy to match your personality to help you meet your financial goals. You’ll also have access to investment comparisons, guided goal planning, and as much as a 5% APY on savings. 

Pros

Have access to on-demand data in an easy-to-read formatProvides personalized investment guidance around the clockEasy to learn about new investing trends or to have guidance to try new investing tactics 

Learn More at Magnifi.com

5. Rocket Money

Best for Canceling Subscriptions

Cost: Free (Option to upgrade for $4 to $12 a month)

Rocket Money empowers you to manage your money better by automating many processes so you can make smart money decisions.

Rocket Money tracks your subscriptions, provides personalized alerts about your spending, and sends balance alerts if you go below a specific threshold.

Rocket Premium offers a few more features, including:

Cancellation of unwanted subscriptions

Option to chat with a money expert

Option to open a Smart Savings Account

Option to apply for the Rocket Signature credit card

Net worth tracking

Unlimited budgets

Bill negotiation (for a charge) 

Pros

Free plan availableHelps you eliminate unnecessary subscriptionsProvides customized alerts so you always stay on track with your finances

Cons

Limited features available in the free version

Learn More at RocketMoney.com

6. QuickBooks

Best for Small Business Owners

Cost: $9 to $60 per month

QuickBooks is one of the most well-known AI apps built for small business owners.

QuickBooks takes the hard work of accounting off a business owner’s shoulders, taking care of tasks such as:

Invoicing: Automatically send invoices and get paid faster

Track expenses: Know within the click of a button where your money goes

Report generation: Have robust reports at your fingertips to help you make important financial decisions

Mileage tracking: Using your phone’s GPS, QuickBooks can automatically track your mileage, making it easy to get your tax deductions

Pay bills: Automatically pay your bills and forget those pesky late fees 

Pros

Makes it easier to get the right tax deductionsHelps you identify areas that need more attention Ensures all information is accurately entered to avoid mistakes

Cons

Can be overwhelming for new business owners

Learn More at QuickBooks.com

7. GridRewards

Best for Saving Money on Utilities

Cost: Free

GridRewards is for anyone focused on sustainability. With GridRewards, you lessen your carbon footprint and get paid for it! GridRewards alerts you when energy usage is high, encouraging you to reduce your consumption, and if you do, you earn cash rewards. 

The occurrences to stop your energy usage happen only 5 – 10 times a year, and according to a recent press release, New York City residents who used the app made $80 – $500. 

Pros

Earns you moneyPays $10 per person you referHelps reduce your carbon footprint

Cons

You may have to cut down on utility usage when it’s inconvenient for you

Learn More at GridRewards.com

8. Waze

Best for Saving Money on Gas Purchases

Cost: Free

You might not think of Waze as one of the AI budgeting apps, but it helps you save money, which makes budgeting easier. Waze is a navigation app that helps you find the most efficient route to your destination.

When you take the most efficient route, you decrease your fuel usage and increase fuel efficiency, keeping more money in your pocket.

As a bonus, Waze helps you keep your cool by avoiding excessive traffic or areas with accidents.

Pros

Helps you save money on gasProvides real-time traffic reportsHelps you save time and avoid headaches

Cons

The routes can be less than optimal sometimes, especially if you don’t know the area

Learn More at Waze.com

9. Hopper

Best for Travel Deals

Cost: Free

Traveling can get expensive, eating up your assets, but the Hopper app helps you get the best deals on travel, keeping more money in your pocket.

Hopper offers price predictions on flights and other travel necessities, using 30 billion price points and trillions of data points to help you save the most money on travel.

Hopper has helped 100 million travelers save, allowing them to enjoy their lives while keeping more money in their pockets! 

Pros

Completely freeHas 95% accuracy with pricing predictionsOffers Flash Deals to help you save even more money

Learn More at Hopper.com

10. PayPal Honey

Best for Online Shopping Savings

Cost: Free

Shopping online is fun, but looking for a deal can be a real-time waster. Fortunately, the Honey browser extension makes saving money on shopping simple.

Owned by PayPal, the Honey extension finds the best deals and promo codes for you and automatically applies them when you shop online.

The extension has 17 million users and counting and takes only a few seconds to add to your browser, so you can start saving money. They work with 30,000 stores and also offer a Droplist that allows you to note what you want to buy and alerts you when the price drops. The average Honey user saves $126 per year.

Pros

Free and easy way to save moneyCan put items on your ‘list’ to watch for lower pricesGet automatic savings without taking the time to look for a coupon

Cons

Collects personal information

Learn More at JoinHoney.com

What Are AI Budgeting Apps? 

AI budgeting apps are automated apps that help manage and organize your finances. Think of them as a financial assistant in your pocket!

They can categorize expenses, automatically transfer funds to savings, and track your spending, as a few examples.

How Do AI Budgeting Apps Work? 

Most AI budgeting apps require you to link your bank and investment accounts to them, usually through a secure third party like Plaid.

They use the information provided to monitor your spending, transfer money to savings, and help you reach financial goals.

Some AI budgeting apps require input or work from you, and others are completely hands-off, but to get the most out of them, you should check them often, see your progress, and determine where you might need to make changes, if necessary.

Can AI Budgeting Apps Really Help Save Money? 

AI budgeting apps make it much easier to save money, but of course, you have to follow through on the suggestions.

Some ways it helps you save money include:

Rounding up purchases to the nearest dollar and transferring the difference to your savings account

Analyzing your bank accounts frequently, looking for ‘free money’ it can transfer based on upcoming bills and normal spending

Provide customized notifications about your budget and spending to help you make better decisions if you’re spending too much

Are AI Budgeting Apps Safe to Use? 

Most AI budgeting apps are safe to use, but always check how they use your information. Remember that most AI apps must ask for personal information or link to your personal accounts. 

Ensure the app you’re considering has a solid privacy policy, uses two-factor authentication wherever necessary, and doesn’t sell your information to third parties.

AI Budgeting Apps vs Regular Budgeting Apps 

AI budgeting apps process data at lightning speed and are much faster than budgeting apps. AI apps can predict trends, sort through data, and give you a much larger amount of information at greater speed. 

In addition, not all traditional budgeting apps link to your bank or investment accounts to give you personalized recommendations. 

Conclusion 

AI budgeting apps eliminate any excuse not to manage your personal finances. It’s like having a personal assistant anywhere you go, 24/7. 

Look for the app that suits your needs the most while keeping money in your pocket.

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