Artificial intelligence is everywhere in 2025—and it’s not just writing blog posts or powering customer service bots. It’s quietly transforming the way we handle money, from budgeting and investing to saving, shopping, and even earning income. Whether you’re in the U.S. or Europe, chances are you’re already using an AI-driven app (or five) without even realizing it.
This isn’t just another tech trend. AI tools are helping everyday people make smarter, faster, and more personalized financial decisions. The best part? Many of these tools are free or low-cost, designed to support your goals, not overwhelm you with jargon.
In this article, we’ll break down:
What AI tools are doing for personal finance in 2025
The most popular and practical platforms to try
Real examples of how people are saving and earning with AI
Tips on getting started with AI finance tools, even if you’re tech-shy
Let’s dive into the future of your money.
What Are AI Finance Tools (and Why Are They So Popular Now)?
AI finance tools use machine learning and data analysis to help you make better money decisions, usually in real time. They can track your spending, analyze your habits, predict bills, suggest savings goals, invest automatically, or even help you find side gigs.
Why the explosion in popularity? Three big reasons:
Accessibility – You don’t need to be a tech expert or investor to use them.
Personalization – AI tools adapt to your specific habits and goals.
Speed – They do in seconds what used to take hours (or require a human advisor).
In 2025, these tools are integrated into banking apps, fintech platforms, and even voice assistants. And with inflation, high living costs, and volatile markets still fresh in people’s minds, more users want tools that help them stay ahead financially.
Top AI Tools for Managing Money in 2025
Here are some standout AI-powered tools making waves right now:
1. Cleo (US/UK/EU)
A chatbot-based budgeting tool that uses AI to analyze your spending and help you stick to goals with humor, tips, and automated savings suggestions.
2. Plum (UK/EU)
Automatically tracks your accounts, analyzes your income, and sets aside micro-savings based on what you can afford—all handled by an AI engine.
3. WallyGPT (US/global)
An AI-powered personal finance assistant that helps track budgets, suggest expense cuts, and build saving strategies through conversational prompts.
4. Koho (Canada, expanding to US)
An AI-integrated digital banking app that offers smart savings recommendations, spending insights, and cashback optimization.
5. Stacked (US/global)
An AI-based investment tool that helps you build and manage a diversified portfolio without needing to “know the market.”
6. ChatGPT (Yes, really)
Thousands of people are using ChatGPT (like you are now!) to create budget plans, calculate side hustle ROI, research financial products, and more.
🚀 StackCents tip: We wrote about how to use ChatGPT to make money online — check it out for detailed use cases.
How AI Tools Are Helping People Save More
AI is giving people a clear edge when it comes to saving money in 2025. Here’s how:
Smart Auto-Saving: Apps like Plum, Cleo, and Qapital calculate what you can safely save and move it automatically.
Spending Analysis: AI breaks down your purchases into clear categories and highlights wasteful patterns (think: “You spent €120 on subscriptions this month”).
Bill Predictions: Tools like Copilot or Emma predict upcoming charges so you’re never caught off guard.
Customized Goals: Rather than generic budgets, AI tools tailor savings strategies to your lifestyle—like suggesting you save more mid-month when your spending dips.
These tools aren’t just reactive. They’re proactive – nudging you to adjust before you overspend.
Want to improve your saving habits first? Visit our Saving Money section for practical strategies you can apply alongside AI tools.
AI + Investing = Passive Income, Simplified
Once intimidating, investing is becoming more accessible thanks to AI. Here’s what people are using:
Robo-Advisors: Platforms like Wealthfront, Nutmeg, and Scalable Capital use AI to adjust your portfolio based on market conditions and your risk profile.
AI-Powered Stock Suggestions: Tools like Magnifi or Zacks AI analyze massive amounts of data to recommend stocks or ETFs.
Crypto Automation: For those in that space, bots like 3Commas or Pionex automatically rebalance or trade based on your AI-fed strategy.
Important: AI doesn’t remove risk, but it does make investing easier to understand and manage.
Want to learn more about hands-off income? Check out our Passive Income guides for side hustles, dividends, and beyond.
AI Tools to Earn Extra Income (That Aren’t Gigs)
Beyond saving and investing, AI is also helping people generate income in creative ways:
Print-on-Demand & eComm Tools: AI design generators (like Midjourney or Canva’s AI image tools) let users create products to sell on Etsy, Redbubble, or Shopify.
Freelance Automation: ChatGPT, Jasper, and SurferSEO help freelancers deliver faster, higher-quality content (writing, design, SEO, etc.).
Online Course Builders: Tools like Cohesive AI help draft course outlines and content for creators.
Idea Generation & Research: Use AI to brainstorm profitable niches, blog topics, or affiliate angles in seconds.
It’s not just about working more—it’s about working smarter. Visit our Side Hustles hub to explore these ideas further.
How to Get Started (Even If You're Not Techy)
Don’t worry if you’re not a “tech person.” These tools are designed to be plug-and-play:
Pick one goal – Saving, budgeting, investing, or earning.
Choose one app/tool – Don’t overload yourself. Start simple (Cleo, Plum, ChatGPT).
Set it up once – Connect your bank or set a budget, and let the AI take over.
Check in weekly – Make small adjustments, review insights, and build habits.
The key is consistency. AI helps automate good choices, but you still make the call.
Let AI Work for Your Wallet
2025 is the year AI went from novelty to must-have money tool. Whether you’re trying to cut spending, build an emergency fund, invest smarter, or launch a side hustle, there’s an AI-powered solution ready to help.
But here’s the secret: the most successful savers and earners don’t just install these apps and forget them. They stay curious, tweak their goals, and use AI as a co-pilot, not a crutch.
Start with one tool, stick with it, and see how much smoother your financial life becomes.
For more tips, visit our full guides on Budgeting, Saving Money, and Money Tools. And if you found this helpful, consider subscribing to the StackCents newsletter—we’ll keep you ahead of the curve every week.
Happy automating!
