Top 5 AI-Driven Tools to Help You Manage Your Savings in 2025

Introduction  

We all know that saving money is a noble goal, but let's face it: life has a way of throwing in those unexpected expenses, tempting sales, and impulse buys. And before you can even bat an eye, your well-meaning savings plans are derailed. But here's the good news: AI-powered tools are stepping in to help, turning your phone into a personal financial assistant that actually does what it promises.

How to Choose the Best AI Savings Tool

As choices multiply and you gain access to them all, choosing becomes more difficult. We’ve complied some tips to help you with your decision:

1. Identify what your goal is: If you're saving up for a vacation, an emergency, or just a house, knowing this will help you narrow down your choice of app.

2. Consider the Costs: While some apps are free, others require subscriptions. Make sure the benefits outweigh the cost.

3. Know Your Style: Are you one of those 'automate-it-all' types or do you need a bit of banter and engagement? Albert's your man for complete automation, while Cleo's got your back if you want something more engaging.

4. Take It for a Spin: A lot of apps come with free trials or basic versions. Give a few a spin until you find 'the one'.

5 Of The Best AI Savings Tools In 2025

With so many apps out there to help people save smarter, managing your finances in 2025 has never been easier-or, for that matter, more automated. Whether automating your savings, tracking your spending, or just getting a little advice is your aim, these five tools will change everything: 

1. Albert

● How it works: Albert combines the power of AI with real human financial advisors to help you save, budget, and generally be smarter with your money. It analyzes your income and spending habits, then automatically moves money into savings based on what you can afford. No more "Can I afford to save this week?" Albert's got it!

● Why it's great for saving: You won't have to worry about forgetting to save. Albert does it all for you, so you can move on with your day, free of guilt.

● Fees: Free; Optional "Genius" subscription from $8/month.

2. Cleo

● How it works: Cleo's like that sassy, potty-mouthed AI best friend we never knew we needed. Amidst some seriously helpful budgeting and saving features, Cleo adds a little humor. She'll track your spending, build a budget, and even challenge you to a savings goal day by day.

● Why it's great for savings: Cleo is really fun to work with thanks to her humor and personality. Anybody that finds other financial apps boring will appreciate Cleo. Plus, the daily challenges will keep you on your toes.

● Cost: Free for basic features; Cleo Plus starts at $5.99/month.

● Key Features: Budgeting tools, savings challenges, snarky commentary.

3. Chime

● How it works: Chime is a mobile banking application that has made saving really easy. Its "Round-Up" feature in the app rounds up every purchase to the nearest dollar, and that extra change gets tossed into your savings. You can also set up direct deposits to automatically move money into your savings.

● Why it's great for saving: It's literally the best "set it and forget it" option. And to top that? There are no fees. Fee-free banking is just awesome.

● Cost: Free.

● Key Features: Round-ups, automatic savings, and fee-free banking.

4. Acorns

● How it works: Acorns takes the spare change from your everyday purchases and invests it for you. So, every time you buy something, that small change gets invested into a diversified portfolio. Over time, those little bits of change add up to a tidy sum.

● Why it's great for saving: If you’re not big on traditional saving methods, Acorns turns your loose change into something that actually grows. It’s an easy way to build both your savings and investments.

● Cost: Starting at $3/month.

● Key Features: Automated round-ups, investment options, and cash-back rewards.

5. Plently: The latest contender in AI Savings

● How it works: Plently's standout feature is its Money Circles feature. These are communal savings groups where members contribute money regularly into a shared pool. The total amount is then given to each member in turns as a lump sum. Think of it as a financial support group, just without any loan sharks.

● Why it’s great for saving: Plently’s focus on security and transparency makes it a safe place to save with others. Plus, no interest, no loans, just a structured way to save as a team.

● Cost: No subscription

Pro Tip: Getting involved in Plently’s community features isn’t just about saving; it’s about connecting with people who share your financial goals. You’ll find some serious motivation and accountability along the way.

Conclusion 

Saving does not need to be boring, and it definitely doesn't have to stress you. Whether you're into an app that feels more like a chatbot (something like Cleo) or you're into teamwork-oriented ones like Plently's Money Circles, 2025 is shaping up to be the year AI makes saving money a whole lot less stressful. So pick your favorite tool, set your savings goal, and let the apps do the hard work. Wishing you all the best!