Top 35 Best AI Apps for Budgeting in 2025

Effortlessly manage your finances with AI-powered budgeting apps. Track spending, predict expenses, and achieve your financial goals with smart, personalized insights. , Here is the Top 35 Best AI Apps for Budgeting in 2025

Comprehensive Budgeting and Financial Management

These apps use AI to provide holistic financial oversight, including budgeting, expense tracking, and personalized insights, often syncing with multiple accounts.

List Of Top 35 Best AI Apps for Budgeting in 2025:

1. Rocket Money

   • Description: An AI-powered app that automates budgeting, categorizes expenses, and offers bill negotiation. Features include subscription management and credit score monitoring.

   • Best For: Users seeking a simple, all-in-one budgeting solution.

   • Pricing: Free plan; Premium from $6-$12/month.

   • Founders: Yehuda Kogan, Michael Shvartsman, Shimon Steinmetz, Roy Eyal.

   • Devices: iOS, Android, Web.

   • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

2. Monarch Money

   • Description: A feature-rich AI platform that categorizes transactions, forecasts cash flow, and offers Smart Rules for custom automation. Named a top budgeting app by Forbes and WSJ.

   • Best For: Users wanting detailed financial overviews.

   • Pricing: $8.33/month (annual) or $14.99/month; 50% off first year with code MONARCHVIP.

   • Founders: Val Agostino, Jon Sutherland, Ozzie Liu.

   • Devices: Web, iOS, Android.

   • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

3. Quicken Simplifi

   • Description: Combines AI-driven expense analysis with customizable reports and credit score tracking. Ideal for managing household finances with detailed insights.

   • Best For: Users needing robust reporting.

   • Pricing: $3.99/month (billed annually); 50% off first year until May 31, 2025.

   • Founders: Quicken (corporate, no individual founders listed).

   • Devices: Web, iOS, Android.

   • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

4. YNAB (You Need A Budget)

   • Description: Uses zero-based budgeting with AI to categorize transactions and provide real-time insights. Offers educational resources for financial literacy.

   • Best For: Hands-on budgeters.

   • Pricing: $14.99/month or $99/year; 34-day free trial.

   • Founders: Jesse Mecham.

   • Devices: Web, iOS, Android, iPad, Apple Watch.

   • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

5. PocketGuard

   • Description: Calculates disposable income after bills and goals, using AI to categorize expenses and suggest savings. Offers a lifetime license option.

   • Best For: Users prioritizing simplicity.

   • Pricing: Free plan; Plus from $7.99/month, $34.99/year, or $79.99 lifetime.

   • Founders: Not publicly listed.

   • Devices: iOS, Android, Web.

   • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

6. Cleo

   • Description: A chatbot-driven AI assistant offering budgeting tips, spending insights, and savings goals via a conversational interface. Popular for its engaging tone.

   • Best For: Millennials and Gen Z.

   • Pricing: Free plan; Plus from $5.99/month.

   • Founders: Barnaby Hussey-Yeo.

   • Devices: iOS, Android.

   • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

7. Mint

   • Description: A free AI budgeting tool that tracks expenses, creates budgets, and sends overspending alerts. Automatically categorizes transactions for ease.

   • Best For: Budget-conscious users.

   • Pricing: Free with ads.

   • Founders: Aaron Patzer (acquired by Intuit).

   • Devices: Web, iOS, Android.

   • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

Envelope-Based Budgeting

These apps use the envelope budgeting system, enhanced with AI, to allocate funds to specific categories, ensuring disciplined spending.

8. Goodbudget

   • Description: Based on the envelope system, uses AI to categorize manual or synced transactions. Ideal for planning without extensive automation.

   • Best For: Couples and manual budgeters.

   • Pricing: Free plan; Premium $10/month or $80/year.

   • Founders: Not publicly listed.

   • Devices: Web, iOS, Android.

   • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

9. Mvelopes

   • Description: A digital envelope budgeting app with AI-driven expense tracking and financial coaching integration for personalized guidance.

   • Best For: Users seeking structured budgeting.

   • Pricing: $5.99/month or $59.99/year.

   • Founders: Not publicly listed.

   • Devices: Web, iOS, Android.

   • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

Simplified and Minimalist Budgeting

These apps focus on user-friendly interfaces and AI-driven automation for quick and easy budgeting without overwhelming features.

10. Spendee

    • Description: A straightforward AI budgeting app with auto-categorization, bank sync, and spending analysis. Ideal for minimalists.

    • Best For: Users wanting simplicity.

    • Pricing: Free plan; Plus $1.99/month or $14.99/year; Premium $5.99/month or $35.99/year.

    • Founders: Not publicly listed.

    • Devices: iOS, Android, Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

11. Fudget

    • Description: A minimalist AI budgeting app for manual expense tracking with predictive insights. No bank sync for privacy-focused users.

    • Best For: Users avoiding account linking.

    • Pricing: Free; Pro $3.99 one-time.

    • Founders: Not publicly listed.

    • Devices: iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

12. Spending Tracker

    • Description: A free AI tool for manual budgeting with customizable categories and simple reports, enhanced by predictive spending insights.

    • Best For: Basic budgeting needs.

    • Pricing: Free with ads; ad-free $2.99 one-time.

    • Founders: Not publicly listed.

    • Devices: iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

13. Wally

    • Description: An AI-driven app that automates expense tracking across 70+ countries, using WallyGPT for personalized savings suggestions.

    • Best For: International users.

    • Pricing: Free with premium options.

    • Founders: Saeid Ebrahimi, Navid Mashayekh.

    • Devices: iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

Collaborative Budgeting for Couples and Teams

These apps use AI to facilitate shared budgeting, offering features for couples or groups to manage finances together.

14. Honeydue

    • Description: An AI-powered app for couples to track shared expenses, split bills, and set budgets collaboratively with real-time updates.

    • Best For: Couples budgeting together.

    • Pricing: Free with optional donations.

    • Founders: Eugene Park, Tina Ho.

    • Devices: iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

15. Zeta

    • Description: A free AI budgeting app for couples with joint and individual account tracking, offering insights and goal-sharing features.

    • Best For: Couples with mixed finances.

    • Pricing: Free.

    • Founders: Aditi Shekar, Shubham Sharma.

    • Devices: iOS, Android, Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

16. YNAB Together

    • Description: A feature within YNAB allowing up to five users to share a budget, with AI-driven insights for collaborative financial planning.

    • Best For: Families or close connections.

    • Pricing: Included in YNAB ($14.99/month or $99/year).

    • Founders: Jesse Mecham.

    • Devices: Web, iOS, Android, iPad, Apple Watch.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

AI-Driven Savings and Investment Tracking

These apps combine budgeting with AI-powered savings automation and investment monitoring for wealth-building.

17. Plum

    • Description: An AI savings app that rounds up purchases and saves the difference. Offers budgeting tools and investment options with real-time updates.

    • Best For: Automated savers.

    • Pricing: Free plan; Plus $2.99/month, Pro $4.99/month, Ultra $7.99/month.

    • Founders: Victor Trokoudes, Alex Michael.

    • Devices: iOS, Android, Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

18. Empower

    • Description: An AI wealth management tool with budgeting, net worth tracking, and investment insights. Offers personalized financial advice.

    • Best For: High-net-worth individuals.

    • Pricing: Free budgeting tools; wealth management fees apply.

    • Founders: Not publicly listed.

    • Devices: Web, iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

19. Copilot

    • Description: An AI budgeting app with a sleek interface, offering personalized categorization and investment tracking. Replaces Mint for many users.

    • Best For: Apple ecosystem users.

    • Pricing: $8.99/month or $69.99/year.

    • Founders: Andrés Ugarte, Gabriel Sere.

    • Devices: iOS, iPadOS, macOS.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

20. Origin

    • Description: An AI-powered one-stop financial app for budgeting, tax filing, estate planning, and investments, consolidating multiple tools.

    • Best For: Comprehensive financial planning.

    • Pricing: Contact for pricing.

    • Founders: Not publicly listed.

    • Devices: iOS, Android, Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

Expense Tracking and Categorization

These apps focus on AI-driven expense tracking and categorization, offering insights to optimize spending habits.

21. Emma

    • Description: An AI budgeting app that categorizes expenses, tracks subscriptions, and reports rent payments to credit bureaus for score improvement.

    • Best For: Renters and subscription managers.

    • Pricing: Free plan; Plus $4.99/month, Pro $9.99/month, Ultimate $14.99/month.

    • Founders: Edoardo Moreni, Antonio Marino.

    • Devices: iOS, Android, Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

22. Clarity Money

    • Description: An AI tool for expense tracking, subscription cancellation, and savings automation, offering personalized financial insights.

    • Best For: Subscription-heavy users.

    • Pricing: Free with premium options.

    • Founders: Adam Dell (acquired by Goldman Sachs).

    • Devices: iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

23. Fyle

    • Description: An AI-powered expense management tool for businesses and individuals, offering real-time data extraction and receipt submission.

    • Best For: Small business owners.

    • Pricing: Free for individuals; business plans from $4.99/user/month.

    • Founders: Yashwanth Madhusudan, Sivaramakrishnan Narayanan.

    • Devices: Web, iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

24. Expensify

    • Description: Automates expense tracking with AI, scanning receipts and categorizing spending. Integrates with accounting software for seamless budgeting.

    • Best For: Freelancers and businesses.

    • Pricing: Free plan; paid plans from $5/user/month.

    • Founders: David Barrett.

    • Devices: Web, iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

Credit Building and Financial Health

These apps use AI to improve credit scores and provide budgeting tools for overall financial wellness.

25. Monese

    • Description: An AI budgeting app with a Credit Builder tool to improve credit scores via 0% interest loans. Offers transaction grouping and savings pots.

    • Best For: Credit builders.

    • Pricing: Free plan; Credit Builder $2.50/month.

    • Founders: Norris Koppel.

    • Devices: iOS, Android, Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

26. Credit Karma

    • Description: An AI-driven app for credit monitoring, budgeting, and financial advice, offering spending insights and savings recommendations.

    • Best For: Credit-focused users.

    • Pricing: Free.

    • Founders: Kenneth Lin, Ryan Graciano, Nichole Mustard.

    • Devices: Web, iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

27. NerdWallet

    • Description: Combines AI budgeting with financial advice, offering expense tracking, goal setting, and credit score monitoring for free.

    • Best For: Financial education seekers.

    • Pricing: Free.

    • Founders: Tim Chen, Jacob Gibson.

    • Devices: Web, iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

Bank-Integrated Budgeting Tools

These apps, offered by banks or financial institutions, use AI to provide budgeting features alongside banking services.

28. SoFi Relay

    • Description: An AI budgeting tool within SoFi’s platform, offering real-time tracking, automated categorization, and personalized insights.

    • Best For: SoFi account holders.

    • Pricing: Free for SoFi members.

    • Founders: Anthony Noto (SoFi corporate).

    • Devices: Web, iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

29. Chase Budget

    • Description: An AI-driven budgeting feature in the Chase app, offering spending insights, category tracking, and goal setting for account holders.

    • Best For: Chase customers.

    • Pricing: Free for Chase account holders.

    • Founders: JPMorgan Chase (corporate, no individual founders listed).

    • Devices: iOS, Android, Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

30. Bank of America Life Plan

    • Description: An AI-powered budgeting tool within the Bank of America app, providing personalized financial goals and spending analysis.

    • Best For: Bank of America clients.

    • Pricing: Free for account holders.

    • Founders: Bank of America (corporate, no individual founders listed).

    • Devices: iOS, Android, Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

Niche and Emerging Budgeting Apps

These apps offer unique AI-driven features or cater to specific budgeting needs, such as international use or manual control.

31. Marygold & Co

    • Description: A newer AI money management app launched in 2025, offering intuitive budgeting, savings goals, and transaction categorization.

    • Best For: Early adopters.

    • Pricing: Free plan; Premium $10/month or $80/year.

    • Founders: Not publicly listed.

    • Devices: iOS, Android, Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

32. Buxfer

    • Description: An AI budgeting app with multi-currency support, ideal for international users. Offers automated tagging and forecasting.

    • Best For: Global travelers.

    • Pricing: Free plan; Plus $3.99/month, Pro $4.99/month, Prime $5.99/month.

    • Founders: Not publicly listed.

    • Devices: Web, iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

33. Lunch Money

    • Description: An AI-powered indie app for budgeting with customizable categories, transaction imports, and predictive analytics.

    • Best For: Privacy-focused users.

    • Pricing: $10/month or $100/year.

    • Founders: Not publicly listed.

    • Devices: Web.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

34. Tiller Money

    • Description: An AI-driven spreadsheet-based budgeting tool that automates transaction imports and categorizations for Google Sheets or Excel.

    • Best For: Spreadsheet enthusiasts.

    • Pricing: $79/year; 30-day free trial.

    • Founders: Peter Polson.

    • Devices: Web (Google Sheets/Excel).

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

35. ChatGPT (Financial Planning)

    • Description: Uses conversational AI to assist with budgeting, offering advice on expense allocation, savings goals, and financial planning.

    • Best For: Brainstorming and guidance.

    • Pricing: Free with limits; Plus $20/month.

    • Founders: Sam Altman, Greg Brockman, Ilya Sutskever, Wojciech Zaremba, Elon Musk.

    • Devices: Web, iOS, Android.

    • 𝐕𝐈𝐒𝐈𝐓 𝐖𝐄𝐁𝐒𝐈𝐓𝐄𝚌𝚕𝚒𝚌𝚔 𝚑𝚎𝚛𝚎

Key Considerations for Choosing an AI Budgeting App

• Automation: Rocket Money, Monarch, and PocketGuard excel in auto-categorization and real-time tracking.

• Ease of Use: Mint, Spendee, and Fudget offer intuitive interfaces for beginners.

• Collaboration: Honeydue, Zeta, and YNAB Together support shared budgeting for couples or teams.

• Device Compatibility: Most apps are available on iOS, Android, and Web; Copilot is Apple-exclusive.

• Cost: Free options like Mint and NerdWallet are ideal for testing; premium plans like YNAB and Monarch unlock advanced features.

• Security: Apps like Rocket Money and Quicken Simplifi use Plaid for secure bank syncing; Fudget and Spending Tracker avoid linking for privacy.

• Market Trends: AI budgeting apps are growing, with 77% of financial institutions adopting AI for personalized finance, per PwC.

• Limitations: AI predictions may require manual oversight, and some apps (e.g., Honeydue) may face syncing issues with certain banks.