Building wealth used to take endless spreadsheets, research, and financial advice. But in 2025, Artificial Intelligence (AI) makes it much simpler. From investing to saving, AI-powered apps can help you grow your money automatically — even if you’re not a finance expert.
Here are the best AI apps you can use this year to build wealth smarter and faster.
1. Betterment – Smart Investing Made Simple
Betterment is one of the most popular AI-driven investing platforms. It automatically builds and manages your portfolio based on your goals and risk level. The app rebalances your investments and optimizes for taxes — so your money keeps working efficiently.
2. Wealthfront – Automated Financial Growth
Wealthfront uses AI to help you plan, save, and invest all in one place. It tracks your spending, sets saving goals, and invests your money across diversified portfolios. It’s like having a financial advisor in your pocket.
3. Cleo – The AI That Helps You Save More
Cleo is an AI-powered financial assistant that analyzes your income and spending, gives you personalized saving goals, and even uses humor to keep you motivated. It’s great for people who want to save money but need a little push.
4. Plum – Smart Saving and Investing
Plum uses AI to move small amounts of money from your checking account into savings or investments automatically. It studies your habits, predicts what you can afford to save, and invests in diversified funds to grow your wealth passively.
5. Qapital – Turn Goals into Savings
With Qapital, you can set “saving rules” powered by AI — for example, saving a fixed amount every time you buy coffee. It’s a creative and effortless way to build savings that eventually fund your long-term wealth goals.
6. Magnifi – AI Investment Assistant
Magnifi is like ChatGPT for investing. You can chat with the AI, ask for portfolio recommendations, compare stocks or ETFs, and get real-time market insights. It’s designed for people who want to invest smarter with data-driven decisions.
7. Pefin – The World’s First AI Financial Advisor
Pefin uses advanced AI to provide personalized financial plans. It helps you manage debt, savings, insurance, and investments — adapting as your financial situation changes.
8. Robinhood with AI Features
Robinhood has started integrating AI-powered insights that guide users toward smarter investment moves. From real-time analytics to automated suggestions, it’s a great option for beginner investors.
Final Thoughts
In 2025, managing your money isn’t about guessing or gambling — it’s about using AI smartly. These apps make saving, investing, and growing wealth easier than ever before. Whether you’re just starting or already investing, AI tools can help you build long-term financial freedom.
