I admittedly have too much time on my hands and have been testing several AI native personal finance apps to see which actually fits the bill (no pun intended). Notes below
Albert: Closest thing to a real personal CFO. AI handles categorization, autosaving and cash advances and the unlock is the human "Geniuses" you can text 7 days a week with actual financial questions. Smart Savings has stashed more than I'd have managed on my own. Genius runs around $15/mo though, the most expensive in this list.
Monarch Money: Best pure budgeting and networth tracker, basically where most ex Mint users have landed. The AI Assistant is useful for ad-hoc questions against your data ("what did I spend on rideshare in March?"). Same $14.99/mo as Albert, but you're paying for the dashboard not for advice.
Cleo: The chatbot personality is the whole product. The roast your spending bit genuinely got me to open the app more often, which I can't say for the others. The subscription ladder is a maze though (Plus; Pro; Builder) and once you get past the jokes it's lighter on actual financial depth than the others.
Rocket Money: The one I keep around even when I'm using something else. Pay what you want Premium from about $7 and the subscription cancellation feature has paid for itself many times over. The "AI" is more marketing line than real feature right now and bill negotiation takes 35-60% of the savings. works but it stings.
Curious if there are other apps on the market I should be looking into?
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