personal finance Tools
Explore the best new personal finance tools and products curated by the community.
ARKAD Wallet is a voice-first budgeting app for people who want financial control without spreadsheet headaches. Reach your financial goals without turning money management into a second job. This launch introduces ARKAD Aura - a personalized financial score from 0 to 100 that measures how effectively you manage your money, highlights your strengths, and helps you build better financial habits over time.
I built CentryAI because I have ADHD and was paying for 11 subscriptions I hadn't used in months. Most trackers make you enter everything manually — that doesn't work if you've forgotten what you're paying for. CentryAI scans your Gmail or iCloud, finds every recurring charge, and scores which ones you're not using. The real pain is cancelling. CentryAI's Cancel Finder locates the exact cancellation page in one tap. No bank linking. Emails are never stored. Available in 18 languages.
Connect your bank accounts once and Cilantro does the watching - odd charges, bill creep, auto-detected trip recaps, and a weekly "here's what changed." No budgets, no tagging. Works solo, better with a partner. Read-only, no ads, no data sales.
Ledgerly is now available on the App Store.
One voice conversation. Free financial plan. We built Warren because financial planning was broken for anyone without a six-figure portfolio. IFAs charge £200/hr. Spreadsheets go stale. Generic apps tell you what you already know. Warren shows you two futures: what happens if you do nothing and what changes if you act. Then Warren gives you a set of next steps, tracks your progress, and monitors your plan against economic changes. Join 3K+ Brits already using Warren. 10 mins to start.
Most finance apps are built for people who already have it figured out. ARKAD Wallet is different. Speak your expenses out loud, set real budgets by category, track your goals, and see your full net worth - all in one clean app. No bank sync required. No complexity. No overwhelm. Just fast, clear budgeting you'll actually stick with. Voice input | Budget categories | Goal tracking | Net worth overview Free to start. Premium for unlimited voice.
Scan your inbox for unclaimed flight money from delays, cancellations, overbookings, and more. Gyro Autopilot finds what you’re owed and claims it automatically. No win, no fee. No commitment. No credit card.
Scan your inbox for unclaimed flight money from delays, cancellations, overbookings, and more. Gyro Autopilot finds what you’re owed and claims it automatically. No win, no fee. No commitment. No credit card.
Most productivity apps are either too complex or too limited. ZenTrack brings notes, expense tracking, and health logs into one minimal, distraction-free app. No steep learning curve, no overload—just fast, intuitive tracking designed for consistency and real-life use.
Most productivity apps are either too complex or too limited. ZenTrack brings notes, expense tracking, and health logs into one minimal, distraction-free app. No steep learning curve, no overload—just fast, intuitive tracking designed for consistency and real-life use.
Gastos is a private iPhone expense tracker for people who spend at home and while traveling. Type "coffee 4.50", snap a receipt, or say "lunch twenty dollars" — on-device AI parses it. Travel Mode detects timezone changes, switches currencies, and shows home equivalents in real time. Free. No accounts, no cloud.
Most personal finance apps show you charts. Ray tells you what to do and actually helps you plan. A terminal-based CFO that reads your real transactions, remembers your goals, and runs on your computer — not someone else's server. Open source. Free with your own keys.
Vaultr is a personal finance app for young professionals who earn well but feel financially lost. Track transactions, set budgets, manage recurring bills, and handle multiple income streams — no spreadsheets, no guesswork. ✦ Free: Unlimited transactions, budgeting, recurring bills ✦ Pro ($10/mo): AI chat logging, multi-currency, unlimited ledgers Just type "spent $45 on groceries" — AI logs it for you.
Your cards include benefits worth $2,000+ -- coverage, perks, and protections you're probably not using. See everything in one place. Free, privacy-first.
Most budgeting apps track where your money goes. Mindspend tracks how you feel about it. Every purchase gets one of three emotion tags: worth it, okay, or regret. No categories, no bank linking, no complicated setup. Just one simple question after each purchase: how did that feel? After a few weeks, you see your spending patterns through a completely different lens. It's not about restricting yourself. It's about understanding yourself.
An AI personal finance app that goes beyond tracking. SuperMoney surfaces money-saving actions—optimize debt, spot better options, and stay on plan—so you always know what to do next.
Subscription Day² is a completely redesigned and improved subscription tracker for Mac, now also available on iOS.
The IRS lets you pay your kids for real work. That income can go into a Roth IRA and grow tax-free. $4k/year from age 10-18 becomes over $1M by retirement. The catch? Paperwork. Agreements, work logs, payment records. Most parents never bother because it's annoying. We make it easy.
Nudge is an app that helps you stop spending on things you'll regret and create better spending habits to prevent impulse purchases. No more saying "I deserve this" and then avoiding your bank balance because you've spent too much. When the time comes, Nudge will lock your budgets down and block your biggest money-draining apps and websites. Built for people who want to take back control of their money.
8udget is a personal finance app that actually works offline - no internet required. Track your budget with category breakdowns, monitor stock & crypto investments in real-time, manage recurring bills with reminders, and set financial goals with progress tracking. Unlike other finance apps, your data stays on your device by default. Import messy bank statements with 80-90% accuracy. Available on iOS, Android, Web, Mac - all from one codebase built with Flutter + Rust. Free to start.
OptiVault is your AI-powered personal financial advisor. Take control of your money without spreadsheets or stress. ✅ Connect bank accounts securely 🤖 Get AI insights on spending, budget, and debt 📊 Track net worth and set smart goals 📱 Built for iOS with bank-grade security OptiVault gives you clear, personalized steps to save more, spend smarter, and grow your wealth — all in one simple app.