Managing your personal finances has never been more important, or more complex. From budgeting apps to crypto wallets, the fintech revolution has put powerful financial tools in the hands of everyday users. Whether you’re a student learning to save, a parent planning for the future, or a working professional navigating debt, taxes, and investments, finding the right personal finance tools can make all the difference.
That’s why Fintech Review has curated this Top 100 Fintech Tools for Personal Finance, a comprehensive guide to the best apps and platforms helping people take control of their money.
What Are You Looking For?
In 2025, managing money means more than just checking your bank balance. It means automating savings, tracking expenses in real time, investing on the go, building your credit score, and navigating insurance and tax obligations with confidence. The right fintech stack for personal finance helps you spend smarter, save faster, and plan better, all from your phone.
This guide brings together the most effective, trusted, and user-friendly tools across every aspect of personal finance. Whether you want to simplify your budgeting, start investing, or build a better financial future, you’ll find something valuable here.
1. Budgeting & Expense Tracking
Track your spending, plan your month, and stay on top of your financial life
These tools help you understand where your money goes, build proactive budgets, and make better daily financial decisions. Whether you want full control or a hands-off experience, there’s an app to match your budgeting style.
1. YNAB (You Need A Budget)
YNAB uses zero-based budgeting to help you plan for every pound, dollar, or euro before you spend it. The app makes you assign every bit of income a role, whether that’s paying bills, saving, or clearing debt. This structure shifts the focus from tracking past spending to actively directing future choices. Over time, it helps users reduce waste, stay consistent, and build long-term financial discipline.
Best for: Users who want total control and accountability over their spending.
2. PocketGuard
PocketGuard shows you what’s safe to spend after factoring in bills, goals, and essentials. The app automatically tracks income, expenses, and subscriptions, giving a clear picture of leftover money. Its strength lies in simplicity, with a single “in my pocket” number updated in real time. This helps users avoid overspending while making financial decisions with confidence.
Best for: People who want a hands-off, real-time budget snapshot.
3. Goodbudget
Goodbudget is based on the classic envelope method, where money is divided into digital envelopes for each category. It requires users to plan ahead by assigning funds before spending. This manual process encourages intentionality, making you more mindful about every purchase. The app is ideal for those who value structure and prefer entering expenses themselves.
Best for: Budgeters who like to plan proactively and manually enter expenses.
4. Monarch Money
Monarch brings budgeting, investments, and goal tracking into one visually rich platform. It offers automated account syncing alongside customisable planning tools. Designed for collaboration, it works well for families and couples managing money together. With its clean design and smart analytics, it helps users create a shared financial vision.
Best for: Families and couples seeking a shared, modern budgeting experience.
5. Toshl Finance
Toshl adds a playful touch to budgeting with quirky design and character-based reminders. Behind the fun, it supports advanced needs like multi-currency tracking and bank syncing. Its flexibility makes it suitable for both casual spenders and those with complex financial lives. By blending humour with serious tools, Toshl makes managing money less of a chore.
Best for: Freelancers and international users who want budgeting with flair.
6. Nemo Money
Nemo Money is a personal finance app that helps users track spending, budget proactively, and set long-term goals. It combines real-time account syncing with clear visual dashboards to simplify financial planning. The platform is designed to reduce money stress by offering automated insights and actionable recommendations. With its focus on clarity and control, Nemo Money makes managing personal finances approachable for all users.
Best for: Individuals who want an intuitive platform to manage spending, budgets, and savings in one place.
7. Spendee
Spendee combines personal and shared budgeting in one app with bright visuals and user-friendly design. It syncs with bank accounts, making expense tracking more automatic. Shared wallets allow couples, families, or roommates to coordinate spending across categories. The app also supports multiple currencies, making it suitable for global users.
Best for: Couples or roommates who want to budget together.
8. Wally
Wally provides a complete financial snapshot with tools for budgeting, cash flow, and net worth tracking. It supports thousands of banks worldwide, offering global connectivity for users. Multi-currency support makes it especially useful for international lifestyles. By bringing everything into one app, Wally helps users see the bigger picture of their money.
Best for: International users looking for advanced insights in one app.
9. Honeydue
Honeydue is designed for couples who want to manage money together while keeping flexibility. It allows partners to link accounts, share selected transactions, and set budgets for categories. The app includes bill reminders, chat features, and the ability to split expenses directly. With its focus on collaboration and transparency, Honeydue makes joint money management less stressful.
Best for: Couples who want an easy way to coordinate finances without merging everything.
10. MoneyWiz
MoneyWiz is a powerful finance app with customisable reports, bank syncing, and investment tracking. It supports multiple accounts and currencies, making it ideal for complex financial setups. Detailed analytics help users understand spending patterns and forecast future outcomes. Its depth of features makes it a favourite for those who want maximum control.
Best for: Power users who want deep customisation and multi-account tracking.
2. Savings & Automation Tools
Save more with less effort, automated tools to help you reach your goals faster
These tools use behavioural nudges, automation rules, and smart algorithms to help you build savings effortlessly. Whether you’re rounding up spare change or setting aside chunks of income, these platforms help you hit your goals without the daily grind.
11. Qapital
Qapital helps you save money by using custom rules tied to your habits, spending, or even moods. For example, you can set rules to round up purchases, save when you hit a fitness goal, or stash money when your team wins. This flexibility makes saving feel more like a game than a chore. Over time, small, consistent actions add up to meaningful progress toward financial goals.
Best for: Creative savers who want full control over custom savings triggers.
12. Oportun
Oportun analyses your income and spending patterns, then automatically moves small amounts into savings or investments. It uses algorithms to decide how much you can safely set aside without impacting your day-to-day needs. The process is invisible and effortless, taking away the burden of active planning. Many users find they save more with Digit than they ever could manually.
Best for: People who want a “set it and forget it” savings experience.
13. Chip
Chip uses artificial intelligence to study your income and expenses, then transfers affordable amounts into savings on your behalf. It offers both interest-bearing accounts and investment options, giving flexibility beyond just saving. The app nudges you to build habits while ensuring you don’t overcommit. Its UK focus and competitive features have made it a popular choice for effortless saving.
Best for: UK users looking for intelligent, hands-off saving.
14. Plum
Plum combines automated savings, budgeting, and investing in one vibrant app. It analyses your bank transactions to spot spare money and automatically moves it into savings or investments. The app also gives insights into spending and offers options like cashback and bill-switching. By blending automation with choice, Plum helps users save smarter and grow their wealth over time.
Best for: Users in the UK and Europe seeking an all-in-one financial app.
15. Acorns
Acorns rounds up everyday purchases and invests the spare change into diversified portfolios. This makes investing feel seamless, as it happens automatically in the background. Over time, small round-ups grow into meaningful investments, supported by simple portfolio options. The app also offers retirement accounts and educational content, making it a beginner-friendly entry into investing.
Best for: Beginners who want to start investing through everyday spending.
16. GoHenry
GoHenry is a money app and prepaid card designed to help kids and teens learn healthy financial habits. Parents can set savings goals, automate allowances, and monitor spending in real time. The app includes educational features like quizzes and missions, turning financial literacy into an interactive experience. By blending control with independence, GoHenry helps families build savings discipline from an early age.
Best for: Families who want to teach children saving and budgeting skills in a safe environment.
17. Albert
Albert is a personal finance app that combines automated savings with built-in financial guidance. It analyses income and spending to set aside small amounts automatically into savings, helping users build stability without extra effort. Beyond automation, Albert includes features like instant cash advances, investment accounts, and access to “Geniuses,” real human advisors who provide financial advice. This blend of automation and personal support makes Albert a versatile tool for everyday money management.
Best for: US-based users who want automated saving combined with accessible financial advice.
18. Cleo
Cleo is an AI-powered financial assistant that makes saving fun through challenges, reminders, and even playful “roasts.” The app tracks your spending, identifies problem areas, and suggests ways to save. Users can set rules or join games to make the process more engaging. Its bold personality and chatbot style make finance feel less intimidating and more entertaining.
Best for: Gen Z users looking for an entertaining, engaging savings companion.
19. Snoop
Snoop is a smart assistant that looks for ways to cut costs and save money, rather than holding savings directly. It scans your spending to spot wasteful subscriptions, overpriced bills, or better deals. The app provides actionable suggestions that put more money back in your pocket. By acting like a personal finance detective, Snoop helps users save through smarter choices.
Best for: Users who want to save money through smarter decisions, not automation.
20. Round
Round transforms automated saving into active investing by connecting users with professionally managed portfolios. It allows you to set up recurring contributions or micro-savings that are invested automatically. The service emphasises transparency and offers access to strategies normally reserved for wealthier clients. This makes it a bridge between everyday saving and long-term wealth building.
Best for: Users who want to grow savings through active investment strategies.
3. Digital Banks & Neobanks
Modern banking without the branches, mobile-first accounts that work for you
These neobanks combine sleek design with essential features like instant notifications, automated saving, and zero hidden fees. Whether you’re managing daily finances or travelling the world, they offer a faster, simpler banking experience from your phone.
21. Revolut
Revolut is a global financial app that combines banking, payments, investing, and currency exchange. It offers competitive foreign exchange rates, making it especially valuable for travellers and digital nomads. Users can also trade crypto, buy stocks, or set up budgeting tools inside the app. Its all-in-one approach makes it one of the most versatile fintech platforms worldwide.
Best for: Multi-currency banking and travel-friendly money management.
22. Monzo
Monzo is one of the UK’s most popular challenger banks, known for its clean design and intuitive mobile app. Features like salary sorting, instant spending notifications, and fee-free overseas spending set it apart. Users can also set up savings pots and joint accounts for shared goals. Monzo’s strong customer support and vibrant community have helped it build a loyal following.
Best for: UK users who want helpful automation and strong customer support.
23. N26
N26 is a fully licensed European bank with a minimalist mobile-first design. It offers real-time alerts, built-in budgeting tools, and no-fee card payments across Europe. The app is designed to simplify banking while still offering modern features like savings spaces and spending analytics. With its wide coverage, it is a leading option for EU-based users.
Best for: EU-based users who want a mobile-first banking experience.
24. Chime
Chime is a US-based neobank that provides fee-free checking and savings accounts. Popular features include early direct deposit, automatic saving, and overdraft protection. It is designed to help users avoid fees while building financial stability. Chime’s simple, mobile-first experience has made it one of the largest digital banks in the US.
Best for: US users looking for simple, no-fee digital banking.
25. Starling Bank
Starling is a UK bank offering personal, joint, and business accounts through its app-based platform. It provides spending insights, interest on balances, and strong customer service. The bank also supports multi-currency accounts, making it useful for international users. With its balance of innovation and reliability, Starling has become a leader among digital banks.
Best for: UK users who want a digital bank with full-feature coverage.
26. Varo
Varo is one of the first US neobanks to obtain a full national banking license. It combines high-yield savings, fee-free checking, and a credit-builder card in one app. Users also benefit from early pay access and financial wellness tools. This combination makes Varo a strong option for customers seeking growth and security.
Best for: US customers building credit and growing savings.
27. Current
Current is a US mobile bank designed with younger users in mind. It offers teen accounts, instant notifications, and built-in rewards. Parents can link accounts for oversight, making it a popular family banking option. Its modern design and emphasis on education appeal to Gen Z customers in particular.
Best for: Gen Z and families wanting flexible, modern banking.
28. Wise
Wise is not a traditional bank but provides multi-currency accounts with real exchange rates. Users can hold balances in dozens of currencies and receive local bank details in multiple countries. This makes cross-border payments and international transfers fast and affordable. For freelancers, remote workers, and travellers, Wise is a trusted global money platform.
Best for: Freelancers, remote workers, and travellers moving money globally.
29. SoFi
SoFi offers checking and savings accounts alongside loans, credit, and investments. Its ecosystem approach means users can manage all aspects of their finances in one place. High-interest savings and built-in planning tools make it especially attractive. SoFi’s wide range of services sets it apart from typical neobanks.
Best for: US users who want integrated banking and investing.
30. Bunq
Bunq is a European neobank with a strong sustainability focus. It allows users to fully customise accounts, manage group expenses, and even plant trees with spending. The app supports multi-currency accounts and offers powerful automation tools. Its eco-friendly positioning makes it especially popular among remote workers and conscious consumers.
Best for: Users who want flexible, green, and collaborative digital banking.
4. Investment & Wealth Building Apps
Grow your money with tools designed for new and seasoned investors alike
These platforms simplify investing with features like automated portfolios, real-time trading, and goal-based planning. Whether you’re a passive saver or an active trader, they make it easier to build long-term wealth.
31. Robinhood
Robinhood pioneered commission-free trading in the US and opened the door for millions of first-time investors. The app supports trading in stocks, ETFs, options, and cryptocurrencies with a clean, simple interface. It removes traditional barriers to entry but offers limited research and advanced tools compared to competitors. Despite some controversy, Robinhood remains a leading choice for accessible investing.
Best for: First-time US investors looking to trade easily and often.
32. Wealthfront
Wealthfront provides automated portfolios designed using modern portfolio theory to balance risk and returns. Users can set financial goals and let the robo-advisor handle rebalancing and tax-loss harvesting. Beyond investing, it offers savings accounts and planning tools for retirement and large expenses. Wealthfront appeals to those who prefer a fully automated, hands-off approach to wealth building.
Best for: Passive investors seeking automated, long-term wealth building.
33. Betterment
Betterment is a robo-advisor offering goal-based investing and tax-efficient portfolios. It includes cash accounts, retirement planning, and access to human financial advisors. The platform is known for blending automation with personalisation, allowing users to align investments with life goals. Its low fees and broad accessibility make it a strong option for everyday investors.
Best for: Users who want a hands-off investment plan tied to life goals.
34. eToro
eToro combines trading with social features that allow users to copy strategies from experienced investors. The platform supports stocks, ETFs, crypto, and CFDs, offering global access to different markets. Beginners can learn by following others, while advanced users benefit from broad asset coverage. This mix of education, community, and flexibility has built eToro a worldwide following.
Best for: Social investors and beginners interested in learning from others.
35. Vinovest
Vinovest is a platform that makes fine wine an accessible alternative investment. It sources and stores investment-grade wines on behalf of users, providing a unique diversification option. Investors own real, physical assets, while Vinovest handles storage, insurance, and authentication. By blending fintech with luxury assets, it opens the door to an alternative market once reserved for the wealthy.
Best for: Investors seeking portfolio diversification through fine wine and collectible assets.
36. Titan
Titan is an actively managed investment platform built to give retail investors access to hedge-fund style strategies. Instead of DIY portfolios, users invest in expert-managed strategies that focus on equities, credit, venture capital, and more. The app also provides in-depth commentary and market updates so users understand what’s happening with their money. This mix of professional management and transparency has helped Titan stand out from robo-advisors and brokers.
Best for: Investors who want professional active management with clear explanations of strategy.
37. dub
dub is a copy‑trading app that lets you mirror the portfolios and future trades of real investors and creators. You open a brokerage account with dub Financial, then choose from 200+ creators and either copy their current holdings once or follow their trades in real time. This peer‑to‑peer model blends community discovery with institutional‑grade rails, giving retail investors an accessible way to execute credible strategies.
Best for: Investors who want regulated, US‑based copy trading with real portfolios.
38. Freetrade
Freetrade is a UK-based app offering commission-free trading with a clean, mobile-first experience. It supports stocks, ETFs, and ISAs, with a transparent and easy-to-understand pricing model. The app prioritises simplicity over advanced trading features, making it beginner-friendly. Its growth has made it one of the leading investment apps in the UK market.
Best for: UK users looking for simple, cost-effective investing.
39. Justwealth
Justwealth is a Canadian robo-advisor offering tailored investment portfolios and hands-on support. It provides more than 60 unique portfolios, including RESP options for education savings. The platform pairs automation with access to real human portfolio managers, ensuring users get both scale and personal guidance. Justwealth’s depth and breadth make it one of Canada’s leading wealth management fintechs.
Best for: Canadian investors seeking tailored robo-advisory services with real advisor support.
40. Ellevest
Ellevest is a robo-advisor designed specifically with women in mind. It offers automated portfolios, financial coaching, and tools for career and salary planning. The platform prioritises values-driven investing, including options that support sustainability and social impact. By addressing gender gaps in wealth management, Ellevest empowers underserved groups to invest with confidence.
Best for: Women and underrepresented investors seeking inclusive financial tools.
5. Crypto & Digital Asset Platforms
Explore and invest in digital assets with secure, user-friendly platforms
These tools provide access to cryptocurrencies, stablecoins, and digital wallets, helping users buy, hold, trade, and learn about crypto. From beginner-friendly apps to feature-rich exchanges, they support both casual users and committed crypto investors.
41. Coinbase
Coinbase is one of the world’s most widely used crypto exchanges, known for its simple design and beginner-friendly onboarding. It provides access to hundreds of cryptocurrencies along with secure storage options. Users can also earn rewards through staking, learn with educational modules, and track their portfolio in one app. Coinbase strong regulatory presence in the US has made it a trusted gateway into crypto.
Best for: Beginners looking for a trusted, US-regulated crypto platform.
42. Binance
Binance is the largest global crypto exchange, offering deep liquidity and a vast selection of coins and tokens. It includes advanced trading tools, derivatives, staking, and DeFi features for power users. The platform also runs its own blockchain ecosystem, making it more than just an exchange. With low fees and a global footprint, Binance dominates active crypto trading.
Best for: Active traders who want deep liquidity and advanced options.
43. Kraken
Kraken is a long-standing crypto exchange known for its emphasis on security and compliance. It offers spot and futures trading, staking services, and margin features for advanced traders. The platform consistently scores high for reliability, especially with institutions and serious investors. Its strong customer service reputation sets it apart in an often volatile industry.
Best for: Serious investors who prioritise security and regulatory trust.
44. Independent Reserve
Independent Reserve is a regulated cryptocurrency exchange based in Australia. It offers trading in major digital assets while prioritising compliance and institutional-grade security. The platform appeals to both retail and professional investors with advanced tools and over-the-counter services. Independent Reserve‘s strong reputation in the Asia-Pacific region makes it a trusted entry point into crypto.
Best for: Users in Australia and Asia-Pacific seeking a secure, regulated crypto exchange.
45. Bitpanda
Bitpanda is a European platform offering crypto alongside ETFs, stocks, and precious metals. It provides simple recurring investment plans and fast onboarding for everyday users. The app’s design makes diversification across digital and traditional assets straightforward. Its strong EU focus has made it a leader in accessible investing across multiple asset classes.
Best for: EU users looking to diversify across digital and traditional assets.
46. Ledger Live
Ledger Live is the companion app for Ledger hardware wallets, giving users full control of their private keys. It supports hundreds of cryptocurrencies, along with staking and token swaps. By combining hardware security with a sleek interface, it bridges the gap between safety and convenience. For long-term holders, it remains one of the most trusted ways to secure assets.
Best for: Long-term holders who want full control of their private keys.
47. Exodus
Exodus is a non-custodial wallet with a colourful, intuitive interface that supports a wide range of cryptocurrencies. It includes built-in exchange features, so users can swap tokens without leaving the app. The wallet also integrates with Trezor hardware for additional security. Its design makes crypto management simple for newcomers while still serving advanced users.
Best for: Users who want an easy yet secure way to manage crypto assets.
48. Trust Wallet
Trust Wallet is a mobile-first, decentralised wallet owned by Binance. It supports thousands of tokens, NFTs, and connections to DeFi applications. The app allows users to explore Web3 directly from their phone without relying on centralised exchanges. Its versatility and broad compatibility make it a must-have for multi-chain users.
Best for: Mobile users exploring DeFi, NFTs, and multi-chain assets.
49. CoinTracker
CoinTracker helps users track their crypto portfolio and prepare accurate tax reports. It integrates with major exchanges and wallets to automatically sync transactions. The app provides real-time performance insights while calculating gains, losses, and cost basis. For investors dealing with complex activity, CoinTracker saves time and reduces errors.
Best for: Investors who need to track performance and prepare tax reports.
50. Nexo
Nexo is a crypto lending and exchange platform that allows users to earn interest on digital assets. It supports instant credit lines backed by crypto holdings, along with trading and secure custody. The platform offers daily interest payouts and competitive yields, bridging the gap between banking and crypto. Nexo‘s compliance-first approach makes it attractive for long-term crypto investors.
Best for: Crypto holders who want to earn interest and access liquidity without selling assets.
6. Credit Monitoring & Score Improvement
Track, protect, and grow your credit with tools built for transparency and control
These platforms help users monitor their credit scores, understand what’s affecting them, and take steps to improve financial health. From real-time alerts to personalised tips, they make credit-building more accessible and proactive.
51. Credit Karma
Credit Karma gives users free access to credit scores, reports, and tailored financial recommendations. It also provides insights into loans, credit cards, and even unclaimed money. The platform includes tax filing services, making it more than just a credit tool. Its easy access and wide feature set make it one of the most popular credit apps in the US.
Best for: US users who want a free, all-in-one credit and finance tool.
52. Experian
Experian is one of the three major credit bureaus and offers direct access to your credit report. Through features like Experian Boost, users can add utility and subscription payments to improve scores instantly. The app also provides credit monitoring, identity protection, and personalised loan offers. With its established reputation, Experian is trusted by both consumers and lenders.
Best for: Users looking to boost credit scores with real-time reporting advantages.
53. Credit Sesame
Credit Sesame helps users track their credit score while also offering tools to actively improve it. The platform provides personalised financial advice and even a debit card that builds credit. It also includes identity protection features for extra peace of mind. This makes it a practical choice for people seeking both monitoring and growth opportunities.
Best for: Users seeking both monitoring and active credit-building options.
54. myFICO
myFICO delivers the most accurate credit scores available since they come directly from FICO, the standard used by lenders. Users can access detailed score breakdowns, simulation tools, and real-time alerts. The platform also offers identity theft monitoring for comprehensive protection. It is ideal for those who want lender-grade insights into their credit profile.
Best for: Users who want lender-grade credit accuracy and protection.
55. ClearScore
ClearScore provides free access to credit reports and scores in an easy-to-read format. It offers personalised recommendations for improving credit and finding better financial products. The platform is widely used in the UK and also operates in other regions. Its simple design and ongoing updates make it a convenient long-term credit companion.
Best for: UK users seeking an easy, ongoing way to understand and improve credit.
56. Upturn
Upturn focuses on helping users fix issues in their credit reports and disputes. It guides you through the process of resolving errors directly with bureaus and lenders. By simplifying what can often be a frustrating process, it helps improve scores over time. For people recovering from setbacks, it provides a structured way back to financial health.
Best for: People trying to clean up errors or recover from credit damage.
57. Kikoff
Kikoff offers a zero-interest line of credit specifically designed to build payment history. It’s easy to qualify for, making it a safe option for beginners. Payments are reported to major bureaus, helping users establish or rebuild credit. Its simplicity and automation reduce the stress of traditional credit products.
Best for: Beginners needing a safe, structured way to start building credit.
58. Grow Credit
Grow Credit lets users build credit by paying for everyday subscriptions like Netflix or Spotify. Payments are routed through a dedicated line of credit that reports to the major bureaus. This approach allows users to grow their credit passively while paying for things they already use. It’s especially useful for people with little or no credit history.
Best for: Users with limited credit history who want to build passively.
59. NerdWallet
NerdWallet offers free credit score monitoring alongside a wide suite of financial tools. It provides personalised recommendations for credit cards, loans, and savings accounts. The platform is designed to help users make smarter decisions across all areas of personal finance. By combining credit insights with broader money management, it acts as a complete financial guide.
Best for: Users who want credit insights within a full financial planning toolkit.
60. Self
Self provides credit-builder loans that allow users to build history while saving money at the same time. Each monthly payment is reported to all major bureaus, improving your score over time. Once the loan is paid, the savings are returned to the user. This dual benefit makes Self a popular option for people starting from scratch.
Best for: Users rebuilding credit or starting from scratch with structured support.
7. Debt Repayment & Loan Management
Stay on top of loans, reduce interest, and pay down debt faster
These platforms help users manage repayment strategies, consolidate debt, and keep loan obligations organised. From student loans to credit cards, they offer visibility, automation, and relief from financial stress.
61. Frollo
Frollo is an open banking app that helps users get out of debt and improve their financial wellbeing. It connects to bank accounts, credit cards, and loans to give a clear picture of obligations and spending. The app provides smart insights, repayment nudges, and goal-setting features to help reduce debt faster. By combining automation with behavioural nudges, Frollo makes debt management more structured and less overwhelming.
Best for: Users who want open banking insights to guide smarter debt repayment.
62. Undebt.it
Undebt.it is a web-based planner that lets users choose between debt snowball, avalanche, or custom payoff strategies. It provides clear timelines, charts, and projections to track progress. The platform is highly customisable, making it ideal for hands-on budgeters. Its visual approach turns debt repayment into a structured and motivating process.
Best for: DIY users who want to customise and track their debt repayment journey.
63. Upgrade
Upgrade is a digital lending platform that helps users consolidate high-interest debt into structured repayment plans. It offers personal loans and credit lines with transparent terms and fixed monthly payments. The app also provides free credit monitoring and financial education tools to support long-term improvement. By pairing lending with insights, Upgrade helps users pay off debt while building healthier financial habits.
Best for: Borrowers seeking a straightforward, digital-first way to consolidate and manage debt.
64. Earnest
Earnest is a modern lender that helps borrowers manage student loans through refinancing and flexible repayment plans. It offers tools to customise payment schedules, choose terms, and reduce interest costs. The platform uses a transparent, tech-driven approach that makes the process easier than traditional lenders. With its focus on flexibility, Earnest supports graduates in taking control of their debt.
Best for: US-based borrowers seeking to refinance student loans with custom repayment options.
65. ChangEd
ChangEd links to your bank account and rounds up spare change from daily purchases. These small amounts are automatically applied toward student loan balances. The micro-payment approach makes debt reduction feel painless and gradual. Over time, these contributions help shorten loan terms and reduce interest costs.
Best for: Student loan borrowers who want passive, incremental repayments.
66. Credible
Credible is a marketplace that compares loan and refinancing offers from multiple lenders. Users can shop for better rates without impacting their credit score. The platform covers student loans, personal loans, and mortgages. Its transparency makes it easy to find competitive options with minimal effort.
Best for: Borrowers looking to refinance or find better loan options.
67. Mitigately
Mitigately is a debt relief platform that combines technology with human support to help people pay down what they owe. It consolidates multiple debts into structured repayment plans that are easier to manage. Users receive tailored strategies to reduce interest and eliminate balances faster. By simplifying complex debt situations, Mitigately empowers individuals to regain financial stability.
Best for: Individuals seeking structured, tech-enabled debt relief and consolidation.
68. Bright Money
Bright Money uses AI to automate credit card repayments across multiple accounts. It analyses your income, expenses, and balances to optimise when and how much to pay. The app prioritises reducing interest charges while keeping accounts current. For users juggling several cards, Bright simplifies a complicated process.
Best for: Users with multiple credit cards who want AI-driven payoff help.
69. Figure
Figure is a fintech lender that helps users access personal loans and home equity lines of credit with speed and transparency. Its platform leverages blockchain technology to streamline approvals and reduce costs. The app provides clear repayment schedules, making debt management more predictable. With its mix of innovation and practicality, Figure is redefining how consumers borrow and repay.
Best for: Users seeking fast, transparent loans and refinancing options powered by modern technology.
70. Candidly
Candidly helps employers offer student debt support as a workplace benefit. It includes repayment matching, tax-advantaged contributions, and refinancing options. Employees can manage their loans more effectively while taking advantage of company programs. By involving employers, Candidly provides unique incentives for tackling student debt.
Best for: Employees managing student debt through workplace programmes.
8. Taxes & Filing Tools
Simplify tax season with digital tools that save time, money, and stress
These apps help you file taxes accurately, track deductions year-round, and optimise your returns. Whether you’re self-employed, salaried, or managing crypto gains, these tools offer modern tax solutions for every situation.
71. TurboTax
TurboTax is one of the most popular tax filing tools in the US, offering step-by-step guidance. It covers everything from simple returns to complex investment and self-employment income. Users can choose between fully DIY filing or add live help from tax professionals. With audit support and integrations across Intuit products, TurboTax provides confidence during tax season.
Best for: US users who want full-featured tax support with optional live help.
72. H&R Block
H&R Block offers both online software and in-person filing services, giving users flexibility. Its digital platform is easy to navigate and includes strong audit support. Users who prefer human assistance can schedule with tax experts across thousands of branches. The blend of personal and digital services makes it appealing to a wide audience.
Best for: Users who want flexibility between self-filing and expert guidance.
73. FreeTaxUSA
FreeTaxUSA provides low-cost online tax filing for federal and state returns. It covers most common tax forms and schedules, making it suitable for straightforward filings. The platform is budget-friendly but still offers add-ons like audit assistance. Its clear, no-frills design appeals to confident DIY filers.
Best for: Budget-conscious users who understand their tax basics.
74. Column Tax
Column Tax is an API-powered tax engine that integrates directly into fintech and banking apps. Instead of using a separate tax platform, users can file returns inside the apps they already trust, such as neobanks and money management tools. The service automates filing for federal and state taxes while providing real-time refund estimates. By embedding tax functionality, Column Tax makes filing seamless and part of everyday financial management.
Best for: Users who want tax filing built directly into their favorite fintech apps.
75. TaxSlayer
TaxSlayer is a flexible, affordable platform with different tiers for individuals, freelancers, and self-employed workers. It includes helpful calculators, a detailed knowledge base, and real-time refund tracking. Users can start with simple filing and upgrade if more support is needed. The balance of affordability and features makes it a popular alternative to larger providers.
Best for: Freelancers and gig workers with moderate filing complexity.
76. TaxAct
TaxAct provides a wide range of tax tools including deduction finders, calculators, and business filing support. It guarantees maximum refunds and accuracy for users at a mid-range price point. The platform caters to both individuals and small businesses. Its mix of affordability and advanced features makes it highly competitive.
Best for: Users wanting comprehensive tax tools at a mid-tier price.
77. Keeper Tax
Keeper Tax is built for freelancers and self-employed professionals who want to maximise write-offs. It scans bank transactions automatically and flags deductible expenses. Users can either let Keeper Tax file their taxes or export the data for DIY filing. By simplifying deduction tracking, it saves time and reduces tax bills for independent workers.
Best for: Freelancers looking to maximise deductions and minimise prep time.
78. FlyFin
FlyFin uses AI to automate tax filing for contractors, freelancers, and creators. It scans expenses year-round to identify deductions and integrates with CPAs for final review. This hybrid approach combines automation with human accuracy. It is especially valuable for 1099 workers juggling multiple income streams.
Best for: Influencers, freelancers, and side hustlers with non-traditional income.
79. Koinly
Koinly is a tax solution for crypto investors managing complex trades and wallets. It automatically imports transactions from major exchanges and blockchains. The app then calculates gains, losses, and generates compliant tax reports. With support for multiple countries, Koinly is a global leader in crypto tax filing.
Best for: Crypto investors who need clear, accurate tax reporting.
80. April
April modernises tax filing by embedding tax tools directly into banking apps. It provides real-time insights throughout the year rather than waiting until tax season. Users can see how transactions affect their tax position instantly. This approach makes tax planning continuous, seamless, and much less stressful.
Best for: Fintech users who want seamless, in-app tax support throughout the year.
9. Insurance & Protection Apps
Get coverage, compare policies, and manage insurance with smarter digital tools
These platforms help you understand, buy, and manage insurance, from health to auto to life, with less paperwork and more transparency. With custom quotes, embedded protection, and easy claims management, they bring insurance into the mobile age.
81. Lemonade
Lemonade offers renters, homeowners, pet, and life insurance through a sleek, app-based platform. Claims are processed quickly using AI, often in just minutes. The company donates leftover premiums to charitable causes, making its model transparent and socially conscious. Its combination of speed, affordability, and purpose has made it especially popular among younger customers.
Best for: Tech-savvy users who want fast, no-fuss insurance.
82. Root Insurance
Root uses driving data from your smartphone to personalise auto insurance rates. Safe drivers benefit from lower premiums, while risky behaviour results in higher costs. The entire process, from quotes to claims, is handled digitally. This usage-based approach creates a fairer and more flexible car insurance experience.
Best for: Drivers open to usage-based pricing and smartphone-based tracking.
83. Policygenius
Policygenius is an online marketplace that helps users compare insurance quotes across multiple providers. It covers life, home, disability, and more, with clear side-by-side comparisons. Licensed experts are available to explain policies and guide decisions without sales pressure. By simplifying a complex process, Policygenius makes insurance shopping less overwhelming.
Best for: Anyone shopping for life or home insurance with side-by-side comparisons.
84. Alan
Alan is a digital health insurance platform based in France, designed to make healthcare coverage simple and transparent. Users can manage their health plans, claims, and reimbursements entirely through the app. The platform also includes wellness tools like telemedicine access and mental health support. By focusing on design and user experience, Alan has redefined how health insurance can feel approachable and modern.
Best for: Individuals and families in Europe looking for easy-to-manage digital health insurance.
85. Goose Insurance
Goose specialises in on-demand travel and health insurance. Coverage can be purchased in minutes through its mobile app. The platform is especially helpful for cross-border travel and emergencies. By removing paperwork and long wait times, Goose gives users peace of mind on the go.
Best for: Travellers and digital nomads needing on-demand coverage.
86. Breeze
Breeze focuses on disability and income protection insurance, which are often difficult to access. Its online process is fast, transparent, and requires minimal paperwork. Users can get personalised quotes and approvals in just minutes. By simplifying a traditionally complex product, Breeze makes income protection far more approachable.
Best for: Freelancers and professionals looking for income protection.
87. Dayforward
Dayforward is a digital life insurance provider that reimagines payouts as a monthly income stream for families. Instead of a lump sum, beneficiaries receive consistent payments designed to replace the policyholder’s salary. Applications are handled online with a simple, fast approval process. By focusing on stability and everyday financial needs, Dayforward offers families a more practical kind of protection.
Best for: Families who want life insurance structured around steady income replacement.
88. Ladder
Ladder offers flexible term life insurance that can be adjusted as your needs change. You can apply completely online and receive instant approval in many cases. Its unique “laddering” feature lets users increase or decrease coverage at any time. This flexibility ensures life insurance can evolve with changing circumstances.
Best for: People whose life insurance needs may change over time.
89. Ethos
Ethos provides fast and simple access to term life insurance without brokers or hidden fees. The application process is fully digital, and most users can get covered in minutes. It focuses on affordability while maintaining comprehensive protection. By stripping out complexity, Ethos makes life insurance accessible to more people.
Best for: Busy individuals who want straightforward, digital-first life insurance.
90. SafetyWing
SafetyWing is designed for remote workers, expats, and long-term travellers needing global health insurance. It offers coverage for medical care abroad, including COVID-related treatment. Policies are flexible, affordable, and managed entirely online. With its international focus, SafetyWing has become the go-to choice for digital nomads.
Best for: Remote professionals and digital nomads seeking international health plans.
10. Money Management & Aggregators
See everything in one place, get a unified view of your finances
These platforms connect your bank accounts, credit cards, investments, and loans into one dashboard. They help you track net worth, spot trends, and make smarter money decisions with a complete financial picture.
91. Tiller Money
Tiller Money connects your financial accounts directly to Google Sheets or Excel. It automatically updates transactions and balances each day, giving users full control over their data. Templates and customisation options make it highly flexible for those who prefer spreadsheets. This level of control appeals to people who want transparency and custom analysis.
Best for: Spreadsheet fans who want automation with full customisation.
92. Monarch Money
Monarch combines budgeting, account aggregation, and goal tracking in a premium platform. It places strong emphasis on privacy and does not sell user data. Couples and families can collaborate by sharing goals and monitoring progress together. With its mix of design and depth, Monarch is positioned as a top alternative to Mint.
Best for: Users looking for a secure, modern alternative to Mint.
93. Empower
Empower, formerly Personal Capital, provides a full picture of net worth by connecting bank accounts, investments, loans, and retirement plans. It includes powerful tools for retirement forecasting and long-term wealth planning. Users can also access financial advisors for tailored guidance. Its combination of free tools and professional services appeals to both DIY planners and high-net-worth individuals.
Best for: Investors and planners focused on wealth management and retirement.
94. Copilot Money
Copilot Money is a modern iOS budgeting and aggregation app that uses AI to categorise transactions automatically. It provides detailed insights into spending patterns while keeping the interface clean and easy to use. The app supports bank syncing and custom budgets, making it highly flexible. For Apple users, it delivers one of the most polished money management experiences available.
Best for: Apple users who want a sleek, intuitive budgeting companion.
95. Quicken Simplifi
Simplifi is Quicken’s modern subscription app designed for real-time expense and income tracking. It provides easy-to-read dashboards, cash flow forecasts, and savings goal tools. The app is mobile-friendly but also has a strong web platform. By modernising the Quicken brand, Simplifi bridges legacy trust with new design.
Best for: Users who want a fresh, subscription-based take on Quicken.
96. Lunch Money
Lunch Money is a minimalist personal finance tracker built for tech-savvy users. It supports multi-currency accounts and even crypto, appealing to digital nomads. The app offers strong customisation while maintaining a clean, lightweight design. Its developer-led approach has built a loyal following among early adopters.
Best for: Expats, digital nomads, and spreadsheet fans who want flexibility.
97. Fynance Hub
Fynance Hub is a personal finance management tool that consolidates accounts, budgets, and investments into one platform. It uses smart insights to highlight spending patterns, automate savings, and track goals. The platform is designed for accessibility, giving users a full financial overview without unnecessary complexity. Fynance Hub’s all-in-one approach helps people make smarter money decisions with less effort.
Best for: Users seeking a central hub for budgeting, savings, and financial insights.
98. Moneyhub
Moneyhub is a UK-based aggregator powered by Open Banking regulations. It pulls together accounts, mortgages, pensions, and investments into a single dashboard. The platform also provides spending nudges and integrates with financial advisors. Its regulated status and breadth make it a trusted tool for holistic financial visibility.
Best for: UK users looking for regulated, comprehensive financial visibility.
99. Cube Wealth
Cube Wealth is an Indian app designed to manage multiple asset classes in one place. It supports mutual funds, stocks, digital gold, and more. The app also connects users with expert-curated portfolios and advisory services. Its breadth makes it an appealing choice for users who want professional guidance alongside DIY tools.
Best for: Indian users seeking professional investment management in one app.
100. PocketSmith
PocketSmith is a forecasting-focused tool that goes beyond basic aggregation. It allows users to build scenarios, model cash flow, and see future outcomes. The app supports multiple accounts, currencies, and detailed planning features. Its strength lies in helping users visualise long-term financial possibilities with clarity.
Best for: Users who want to visualise the future of their finances.
Conclusion
Choosing the best fintech tools is no longer optional, it is essential for achieving financial stability and growth. Everyday users now have access to systems that were once limited to institutions, tools that automate savings, simplify investing, improve credit, and provide clarity in real time. Whether you are building an emergency fund, planning for retirement, or exploring crypto and alternative assets, the right mix of apps can transform how you manage money.
At Fintech Review, we will continue spotlighting the innovations that are reshaping how people save, invest, and plan for the future. The advantage belongs to those who take control early and equip themselves with the smartest financial tools available.
If you are a fintech company, platform, or service provider and would like to be considered for inclusion in this list, or if you would like to suggest updates, please get in touch. We are always on the lookout for standout solutions that help people build better financial futures.
