Best AI-Power Finance Apps

By Rob Berger, JD | Last Updated March 11, 2026

I just returned from the Consumer Electronics Show in Las Vegas. One thing is clear–companies are integrating AI into everything. Finance apps, including budgeting apps, investment tracking apps, and even retirement planning tools, have joined the party.

Here are some of the top apps that have integrated AI in a useful way.

Monarch Money

My wife and I have used Monarch Money to manage our finances for about a year. Founded by a former Mint app engineer, it uses AI in several interesting ways:

• AI Assist: With Monarch’s new AI Assist, you can ask AI about your finances. For example, you can what your biggest expense was, how much you spent in a specific category, or how your net worth has changed over time. One question I use a lot is “where am I spending more this month than I did last month.”
• Amazon Integration: Rather than have the app categorize every Amazon purchase as “shopping,” as most budget apps do, Monarch Money can connect to a user’s Amazon account, download the description for each purchase, and then use AI to evaluate the description and properly categorize it. It does this through a Chrome extension, and it’s very easy to use.
• Receipt Scanning: Scan a receipt using Monarch’s smartphone app, and AI will read the receipt and categorize your purchases. It also matches the receipt to the correct transaction in Monarch once it’s downloaded. You can also upload digit receipts or files.
• Weekly Recap: AI generates a weekly recap of your finances. The recap includes changes to your net worth, spending by category, and any recurring transactions.

You can check out my detailed review of Monarch Money.

Monarch is $99 a year. For a limited time, get 50% of the first year’s subscription with the code ROB50.

Origin

Origin is a relatively new finance app. It’s designed to handle all aspects of your finances. In addition to budgeting, you can invest on its platform, do your tax returns, and even get help creating a will and trust.

Origin has integrated AI into its tool in several ways:

• AI Advisor: This tool enables you to ask AI questions about your financial data. I asked about which credit card had the highest balance, and it provided the correct answer, along with the credit limit and interest rate of the card. The AI Advisor saves your conversations so that you can access them later. You can also delete any AI conversations you no longer need.
• AI Budget Builder: Origin’s AI analyzes your transaction history to create a budget by category. It sets a monthly budget amount and divides that amount among suggested categories. You change or even ignore its suggestions. I was able to setup a solid budget in about 1 minute.
• Financial Forecasting: Origin’s AI is incorporated into its forecasting tool. You can generate forecasts of your net worth and cashflow, and then ask AI questions about the results. The tool makes it easy to create “what-if” scenarios (e.g., what if I decrease my spending by 5%) and to compare scenarios.
• Investment Insights: Origin’s AI provides market recaps and can answer questions about the investments a user connects to the app.

You can read my review of Origin. For a limited time, you can also get Origin for just $1 for the first year.

Boldin

Boldin is retirement planning software that I’ve used for several years. It enables you to plan literally every aspect of retirement. For example, it can help you determine when to take Social Security, when do do a Roth conversion, and how to fund long-term care.

In terms of AI, it offers an excellent help tool powered by AI. I’ve asked it countless questions on how to use Boldin, and the answers have been excellent.

Boldin is working on another AI tool that I’ve been testing for them. I can’t release details yet, but I expect it to be available in the next month.

Other Apps

Other budgeting apps may use AI behind the scenes. For example, it’s reported that apps like Quicken Simplifi and Rocket Money use AI to help categorize transactions. But these apps don’t yet have AI that users interact with. Quicken is working on what they call Quicken AI, but this is not widely available yet.

I’ll update this post as more finance apps incorporate AI in new, interesting and useful ways.