Top 10 AI Savings Apps That Automate Your Wealth in 2025
The financial world is shifting fast, and 2025 is already proving to be a revolutionary year for personal finance.
With Artificial Intelligence (AI) pushing the boundaries of automation, money-saving apps are no longer just budgeting tools—they’re wealth-building machines. If you’re tired of manually saving or struggling to keep track of expenses, these AI-powered savings apps will change your financial life.
As an expert in AI technology and finance, I’ve reviewed dozens of platforms. Below are the top 10 AI savings apps of 2025 that are transforming how we grow wealth—with automation, intelligence, and a whole lot of simplicity.
Whether you’re looking for an AI-driven budgeting assistant, an AI life insurance app, or the best car insurance AI tool, this list has you covered.
Why Are AI Savings Apps Taking Over in 2025?
Before we jump into the list, it’s worth noting why AI savings apps have gained so much traction:
- Automation: These apps save and invest money without your input.
- Data Intelligence: AI analyses your income, spending, and patterns to personalise your saving strategy.
- Goal-Based Saving: Most apps let you set goals (vacation, emergency fund, retirement) and work silently in the background to achieve them.
- Integration with AI insurance: Some even integrate tools for AI insurance comparison to save you even more.
AI Savings Apps That Automate Your Wealth in 2025
1. Cleo
Platform: iOS, Android, Web
Price: Free with optional Pro Plan ($5.99/month)
Cleo is the OG of AI personal finance bots, and in 2025, it’s smarter than ever. It links to your bank accounts, analyses your financial habits, and automatically stashes away micro-savings. The app also sends funny, witty reminders that actually make managing your money enjoyable.
Why, Cleo?
- Tracks spending in real-time
- AI chat-based experience
- Automatically saves based on your habits
Cleo has a new feature that allows integration with AI-powered insurance estimators for smarter AI insurance comparison.
2. Plum
Platform: iOS, Android
Price: Free, Plus, and Premium plans
Plum uses behavioural AI to analyse your cash flow and determine the optimal amount to save or invest without leaving you broke. It now includes automatic investing features, budgeting tools, and even life insurance offers via AI scanning.
Highlights
- Smart saving rules like “Round-ups” and “Pay Days”
- AI-driven investments
- Supports AI life insurance app plugins
3. Digit (Now Oportun)
Platform: iOS, Android
Price: $5/month
Digit, now branded as Oportun, has long been a favourite for set-it-and-forget-it savings. Its AI calculates what you can afford to save daily and transfers it to your savings account. The new updates in 2025 also include AI investing and insurance integration.
Notable Features
- Auto-saves based on daily income/expenses
- Real-time insights
- Integrated AI investment robo-advisor
4. Qapital
Platform: iOS, Android
Price: Starts at $3/month
Qapital turns saving into a game. You can set up “rules” like saving $10 every time you skip a coffee or hit your step goal. AI tracks your goals and recommends new ways to save based on your behavior.
Why It Stands Out
- Goal-driven saving
- AI adapts over time to your habits
- Now offers financial coaching powered by AI
5. Monarch Money
Platform: iOS, Android, Web
Price: $9.99/month or $99/year
Built by former Mint developers, Monarch Money combines budgeting, investment tracking, and savings in one sleek platform. In 2025, the app upgraded to include smart suggestions for best car insurance AI tool integrations—cutting premiums and adding more to savings.
Features You’ll Love
- Comprehensive financial dashboard
- Real-time AI recommendations
- Multiple financial goal tracking
6. Chip
Platform: iOS, Android
Price: Free with optional investment tools
Chip is a UK-based AI savings app that gained popularity globally in 2025 thanks to its award-winning algorithm. It uses open banking to analyse spending and save small amounts without affecting your daily lifestyle.
Cool Features
- Smart saving + high-interest savings account
- AI-powered investment portfolios
- Insurance add-ons using real-time AI insurance comparison
7. Emma
Platform: iOS, Android
Price: Free with Premium ($4.99/month)
Emma helps you “see” your financial life in one place. In 2025, Emma added AI-generated savings predictions and insurance discovery features. It also includes cashback deals and crypto integrations.
Emma’s Upgrades
- Smart budgeting and alerts
- Predictive savings models
- AI life insurance app connections now built in
8. Stash
Platform: iOS, Android, Web
Price: $3 to $9/month
More than just saving, Stash teaches you how to invest with AI-driven advice. It helps automate savings into ETFs, fractional shares, and even insurance-linked investment funds.
What Makes Stash Special?
- Banking and investing combo
- Curated portfolios based on risk
- AI insights for when to save/invest
9. Trim
Platform: Web
Price: Free; Premium features vary
Trim is your AI-powered financial assistant that saves you money by negotiating bills, cancelling unused subscriptions, and setting aside smart savings. It shines in its integration with the bestcar insurance AI tool plugins that compare your current policy to better deals.
Trim’s Power Moves
- Bill negotiation AI
- Cancel unused services automatically
- Smart saving based on cash flow
10. Albert
Platform: iOS, Android
Price: Free; Genius plan at $6/month
Albert is more than just a savings app—it’s a full-blown AI-powered financial advisory in your pocket. It automatically calculates what you can afford to save, when to save it, and now, in 2025, even where to get the best insurance with its AI insurance comparison tool.
Genius Features
- Human + AI financial guidance
- Emergency savings fund automation
- Insurance advisor bot integrated
Bonus Mention: Best Car Insurance AI Tool in 2025
A lot of these apps integrate with or point to the best car insurance AI tool, but if you want a standalone option, check out:
🔗 Jerry – This AI compares dozens of car insurance policies in seconds and automatically finds better rates for you. It’s the best car insurance AI tool for saving both time and money.
Conclusion
Choosing the right AI savings app depends on your lifestyle, income, and goals. Want to save without thinking? Go with Cleo or Digit.
Need full financial planning? Monarch and Stash have you covered. Want savings and insurance insights? Albert or Emma could be your ideal fit.
AI is changing how we interact with money. It removes the need for discipline and replaces it with smart automation. And when combined with AI life insurance apps and real-time AI insurance comparison tools, you’re not just saving—you’re optimising your financial future.
