Get Personal Financial Assistant on your Smartphone with these 10+ best AI-Based Financial Apps

• Simple design and intuitive trading experience
  
• Explore stock market news and monitor your stock performance
  
• Free of any charges, trading fees, or commissions
  
• Enables you to invest with an amount as little as 1$
  
• Buy and sell crypto with 0% charges
  
• Offers a prepaid cash card for enhanced convenience

Robinhood is an online finance app that aims to offer an accessible investing market for all users. With tech-savvy investors and new traders, the app has grown in its popularity over the years.

The company offers fee-free trading that attracts many investors and traders. Users can trade stocks, cryptocurrencies, and ETFs easily using this platform. The ability to sell fractional shares gives traders access to a wider variety of assets.

It is one of the leading financial apps that lets you manage and run your money your way. The app enables you to identify technical indicators that can help you with investment decisions. Along with this, you can also learn about the market and investing strategies through in-app lessons.

• The platform for automated and individualized investment using robots
• Tools for thorough financial planning, such as retirement and college savings
• Tax-effective methods for maximizing wealth management
• Financial advisors for individualized advice
• You will get an easy-to-use interface for simple portfolio management

The Wealthfront app combines the strength of technology with individualized financial advice to help you achieve your financial objectives and secure a better future. The AI finance app Wealthfront provides a network of knowledgeable financial experts who can offer advice specifically tailored to your requirements.

The platform provides a full range of financial planning tools, from college savings and retirement planning to tax-efficient techniques, all intended to put you on the road to financial security. Additionally, it optimizes your portfolio for growth and risk management using a data-driven approach.

If you are exploring the app, you don’t need to disclose personal information, like your Social Security number. Also, you will get well-managed investment portfolios that align with their objectives and risk appetite. There are customizable ETFs available. The app offers A high-yield cash account, stock trading, and borrowing.

There isn't a defined monthly cost for Wealthfront. Based on the value of your automated investment assets, a monthly 0.25% fee for automated accounts is assessed.

• Easy to set up multiple goals and monitor your progress
  
• Adjustable portfolios based on the user’s changing goals and risk tolerance
  
• Tax-loss harvesting can be availed by all customers
  
• Offers low-cost investing and no-fee cash accounts
  
• Get access to human planners with a premium subscription
  
• Automatically manages your investment and is easy to use

Betterment is an AI-powered financial app that offers you the best way to save and manage your money. It provides you with a platform to earn high interest on your savings and offers effective automated investing solutions.

It is one of the best AI finance applications that provides all users with a comprehensive financial planning solution. The app can cater to the needs of both new investors and high-net-worth clients.

You can choose your portfolio from some of the best options available, including- Core, Goldman Sachs SmartBeta, and BlackRock Target Income. The app streamlines your financial planning by allowing you to create multiple goals and monitor average and worst-case scenario returns.

• Easiest app to be used by complete beginners
  
• Supports different types of cryptocurrencies
  
• It can be used to convert one cryptocurrency into another
  
• Enables you to send and receive crypto to and from other people
  
• You can earn money and rewards by completing crypto education with Coinbase

Coinbase is a free AI-based app for finance that offers an online platform for trading cryptocurrencies. It facilitates the buying, selling, and transfer of crypto and also gives you the option to store it. You can buy and sell any 120 types of cryptocurrencies, including Bitcoin, Litecoin, and more.

The fee for using Coinbase can vary depending on your account type, funding source, and the size of the transaction. This AI financial app is best suited for beginners; however, if you are an advanced trader, you can use Coinbase Pro. With the ‘Pro’ version, you can access additional trading options and avail a more straightforward and lower fee structure.

It is a leading crypto trading app that offers the simplest and the most secure way to support crypto transactions. Through this app, you can also monitor the current price and the latest trends in cryptocurrencies.

• Creates personalized saving plans to meet individual needs
  
• Promotes automated savings for emergencies or for buying an asset
  
• Improves your financial discipline and takes you forward toward your goals
  
• Enables budget planning and expense monitoring
  
• Allows you to save a small amount of money
  
• Allows withdrawal at any time without any restrictions

Wizley is one of the best online financial apps that provides automated savings for all users. The app promotes saving and budgeting as per your goal. It is one of the fastest-growing apps for financial wellness.

Based on your monthly income and spending, the app gives you a Wellness Score. With this, the app also suggests ways and methods to improve this score. The app makes it simple for users to save money and fulfill their ultimate financial goals.

It is the most trusted and one of the best financial apps that helps you categorize your expenses as per the necessities. With this, you can be assured of limiting your spending and staying within the constraints of your budget. The AI alerts provide personalized and accurate suggestions about when and how much to save.

• Enables you to track your spending and expenses by categorizing them
  
• Alerts you when your expenses are going over the set budget
  
• Automates the savings by moving a part of your salary to an e-money account
  
• Friendly chatbot that can either ‘roast’ or ‘hype’ you about your spending habits
  
• Equipped with AI tools that can help you save money and build a credit score

Cleo is a top financial app that uses AI technology to make managing money much more convenient and fun for users. The app works by linking the digital assistant to your bank account, which will help in tracking your spending and managing your budget.

By a thorough analysis of your spending, the app also suggests the amount of money that you can easily save. You can easily use Cleo by chatting with a chatbot that assists you with the process and clarifies your doubts and queries.

The app is completely free to download, use, and set up. Users can avail of tracking, budgeting, and expenditure analysis without any additional cost. However, if you are looking for salary advance and cashback offers, you will have to pay charges for using Cleo+.

• Offers a wide selection of cryptocurrencies for all users
  
• Simple and intuitive interface which ensures a beginner-friendly platform
  
• Offers industrial-standard security and promotes safe trading
  
• Provides insurance for digital assets
  
• Enables you to trade with its currency - Gemini Dollar

Gemini markets itself as one of the top financial apps for people who are looking to get started with trading cryptocurrencies. This app enables you to trade crypto anytime and anywhere through your smartphone.

The app offers different services with separate interfaces and fee structures for both casual investors and full-time investors. Gemini has expanded its services to include a payment app, a credit card facility, an interest-paying savings account, and a trading platform for users.

Through this app, you can exchange over 100 cryptocurrencies, including Ether, Bitcoin, etc. Similar to many crypto exchanges, Gemini has a mobile app that is quick and simple to use. Apart from facilitating crypto transactions, the app also provides educational resources for new investors.

• Offers the best credibility and charges a low fee on small accounts
  
• Provides access to human advisors for better understanding
  
• Equipped with a sleek, easy-to-navigate, and user-friendly interface
  
• Offers a broad selection of investment options, including SRI Funds, Halal, etc.
  
• Offers a portfolio review service and free tax loss harvesting

Wealthsimple is an AI-based financial app that promotes long-term wealth by providing smart and accurate investing and saving plans. The app provides algorithmic plans that are tailored to client’s needs and demands.

It is a simple-to-use financial platform for new or average-experienced investors who are looking for a technology that can automate their investments. It can make the complex process and decision-making related to investment extremely clear and effortless.

It offers easy access to the investors to trade online, saving their time and effort of physically visiting the branch. Wealthsimple is one of the top financial apps that promote financial freedom for users, irrespective of their financial status.

• Offers mutual funds, including no-fee Fidelity index funds
  
• Supports international trading and fractional share investing
  
• Provides both desktop and mobile platforms that are simple to use
  
• Provides excellent and accurate research without any commissions
  
• Comprehensive tools for planning and managing finances throughout retirement

Fidelity Investments functions as the largest brokerage firm in the United States. This app is best suited for investors who are looking for an online, low-cost broker. It is one of the most trusted AI banking apps that offers banking and financial services to over 40 million users.

Fidelity does not charge any fee on stocks and ETF trades and thus holds a strong position in the market. The customers are also accessible to multiple currencies, options, mutual funds, etc. You can also access many fixed-income products like municipal bonds, treasury corporate, etc.

It is a mutual fund giant which is regarded as the market leader in defining personalized investment strategies for its clients. Beyond a wide spectrum of products, Fidelity offers a comprehensive suite of tools and investable assets for users.

• Offers three different platforms for a vast consumer base
  
• Enables large fund selection
  
• Provides commission-free stock and ETF-trading
  
• Extensive and accurate AI research tools
  
• AI-enhanced customer support that can facilitate trade and resolve queries

Schwab Mobile is an all-in-one AI financial mobile app that lets you monitor and trade in the market. You can also research investments and can follow the latest updates and current happenings of the market through the app.

The app takes on the full-service approach and offers a wide range of products and services that are suitable for investors at any level. It offers multiple platforms that are tailored to its wide consumer base. As a Schwab Mobile app user, you can get access to educational resources, responsive customer support, and highly accurate research tools.

It is one of the most advanced online financial apps that assigns a robo-advisor as your personal digital investment manager. With this, you get the best AI research tools that can help you ace the financial market.