Personal finance apps

Copilot

Personal finance app for tracking spending, budgets, and investments.

Origin is a financial management platform that consolidates tracking, planning, and investing in one place. Users can assess their complete financial picture, receive personalized recommendations for budgeting and savings, and get real-time, AI-powered planning assistance with Sidekick. Origin also provides direct access to Certified Financial Planners for tailored advice. Their investment arm, Origin Invest, offers automated investing with no advisory fees and an expense ratio of 0.00%. The service aims to replace fragmented and expensive financial tools with an integrated solution for $12.99 per month, offering a 30-day free trial without requiring a credit card.

Origin

Origin simplifies finance with advice, tracking, saving, and investment.

Tax preparation

Robo advisors

Lunch Money is a personal finance and budgeting software targeted at modern-day spenders, including digital nomads, engineers, designers, and startup founders. It offers a simple interface to manage finances, with features like direct bank imports, CSV uploads, API integration, crypto wallet connectivity, and powerful transaction categorization, tagging, and searching. Users can set monthly budgets, track recurring expenses, and gain insights into their spending patterns and net worth. The platform emphasizes data security and user privacy. While it primarily serves desktop users, the product is praised for its ease of use, thoughtful design, and responsive one-person support team.

Lunch Money

Lunch Money simplifies personal finance and budgeting, with multi-currency support.

Cleo is a personal finance AI assistant that offers budgeting tools, savings help, and credit building options without traditional credit checks. It is designed to be quick and user-friendly, with signup taking only 2 minutes. Cleo roasts or hypes users about their spending habits, encouraging better financial decisions. Users can qualify for up to $250 advances without interest or credit checks, though eligibility criteria apply. The Credit Builder Card helps users improve their credit scores. Cleo prioritizes security with bank-level encryption, never sells data, and is FDIC insured, providing a safe environment for managing finances.

Cleo

AI financial assistant app for budgeting, saving, and building credit.

Consumer banking

Credit building

Payday advances

YNAB, short for 'You Need A Budget,' is a financial management platform designed to change how users handle money. With an emphasis on budgeting and saving, YNAB guides users through a friendly, flexible method that emphasizes four core rules: Give Every Dollar a Job, Embrace Your True Expenses, Roll with the Punches, and Age Your Money. Through this structured method, users can stop wondering where their money goes, grow savings, and enjoy spending without guilt. The startup offers a 34-day trial and claims users can save significant amounts quickly, while also benefiting from increased financial awareness and stress reduction.

YNAB

YNAB provides budgeting tools for effective money management and saving.

Envelope is a financial technology firm providing a smart banking platform aimed at simplifying personal budgeting. Users can easily manage their finances by allocating money into different 'envelopes' for specific expenses, gaining better control over their budget. The platform offers both physical and virtual cards, giving users instant access to their accounts for online and in-person transactions. Notifications can be customized for user convenience. Envelope emphasizes security, allowing users to lock accounts or change virtual card numbers. The app supports joint accounts and automated goal achievement planning. Savings earn competitive interest rates, and funds are FDIC insured through Pacific West Bank.

Envelope

Smart budgeting platform with virtual cards, savings, and account management.

Monarch Money is a personal finance platform that consolidates various financial management tools into a single, user-friendly service. Users can track account balances, transactions, investments, and work towards financial goals. The platform offers customized budgeting with rollover options, easy visualization of spending patterns through diagrams and charts, and the capability to collaborate with partners or advisors without extra fees. Investments are manageable in one comprehensive view, with historical performance details. Financial data is secured with bank-level security, and Monarch takes pride in offering an ad-free experience and not selling user data to third parties.

Monarch Money

Personal finance tool that tracks, organizes, budgets, and invests securely.

Personal finance apps

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