Gone are the days when we have to think, plan, ask financial advisors, etc., before investing, but today everything has been digitalized and smart, and one of the most powerful tools is Artificial Intelligence (AI).
Investing money is never easy, but AI is changing the game for everyone, whether you are a beginner who is just starting to invest or a person who starts their day by checking stock prices or related information with a cup of coffee.
Today, many apps don’t just show you the prices of stock; they think with you. Today, many apps can analyze your spending habits, track market trends, predict risks, and even build your portfolio for you. All this can be done with the help of your phone.
In this blog, we will discuss 10 apps with AI features.
1. Wealthfront
Why try it?
Wealthfront is one of the top-rated robo-advisors in the U.S. In 2025, it’s smarter than ever. The app uses AI to create and manage a personalized investment plan based on your goals, risk level, and timeline.
Cool AI Feature:
Its AI even adjusts your portfolio automatically when the market shifts, so you don’t have to.
2. Zerodha’s Varsity + Kite
Why try it?
For Indian users, Zerodha is a household name. With Kite, Zerodha’s AI is now helping traders make data-backed decisions by suggesting real-time strategies and giving performance insights.
Cool AI Feature:
AI-backed Smart Charts that identify patterns and suggest trades.
3. Betterment
Why try it?
Betterment has always been about passive investing. Now with AI, it goes further, helping you set goals like retirement or buying a home, and creating smart plans accordingly.
Cool AI Feature:
Tax-loss harvesting using AI automatically lowers your tax bill.
4. Finelo
Why try it?
Finelo’s creed has always been about making finances simple, accessible and actionable. With over 150 hours and 40 courses of bite-sized content, Finelo democratizes access to finance learning- whether you’re into trading, investing, crypto or personal finances- this learning platform has you covered.
Cool AI Feature:
Investing simulator, users can scan their trade charts to have Finelo’s built-in analysis tool predict whether or not its a good idea to make the trade.
5. INDmoney
Why try it?
This Indian app is a one-stop wealth manager. It now uses AI to track your investments, bank accounts, and credit cards all in one place, and gives you suggestions on improving your financial health.
Cool AI Feature:
An AI-based advisor that recommends the best mutual funds, U.S. stocks, or fixed deposits for you.
6. Robinhood
Why try it?
Robinhood shook up investing by making it free. Now, its AI helps users learn about stocks, spot trends, and even alert you when your favorite stocks are undervalued.
Cool AI Feature:
AI news digest tailored to your portfolio.
7. Upstox
Why try it?
Upstox is leveling up with AI-powered investment insights. It makes it easier for new investors to get started with smart tips and personalized recommendations.
Cool AI Feature:
AI-based watchlist curation and trade suggestions.
8. Groww
Why try it?
Groww makes investing feel like scrolling Instagram, it’s that smooth. In 2025, their AI will help investors pick the right mutual funds or stocks based on goals and risk appetite.
Cool AI Feature:
AI fund ranking system for better mutual fund selection.
9. Fidelity Smart Money
Why try it?
Fidelity’s Smart Money app is like a smart financial coach. It uses AI to track your income, spending, and investment goals, and keeps you on the right path.
Cool AI Feature:
Real-time suggestions on how to save or invest more money every month.
10. Acorns
Why try it?
Acorns is perfect for beginners. It invests your spare change! Now with AI, it also tracks your financial habits and suggests ways to grow your savings faster.
Cool AI Feature:
“Found Money” feature improved with AI to get cashback offers suited to your spending.
11. Jupiter Edge
Why try it?
This Indian neobank is going big on smart finance. Jupiter’s AI tools track your expenses, suggest savings, and now help you invest in mutual funds that suit your lifestyle.
Cool AI Feature:
AI-driven Smart Portfolio, which auto-updates every quarter.
Quick Summary Table
| App Name | Best For | AI Feature Highlight |
| Wealthfront | Automated investing | Auto-adjust portfolio |
| Zerodha Kite | Stock traders in India | Smart Chart pattern recognition |
| Betterment | Long-term investing | Tax-loss harvesting |
| Finelo | Finance learning & investing | Investing simulator with trade analysis |
| INDmoney | All-in-one financial tracking | Smart MF and US stock suggestions |
| Robinhood | U.S. stock investors | AI news digest |
| Upstox | Beginners in trading | Personalized watchlists |
| Groww | Mutual fund investors | Fund scoring by AI |
| Fidelity SmartMoney | Financial coaching | AI saving tips |
| Acorns | Beginners & micro-investors | Smart spending round-up |
| Jupiter Edge | Young Indian professionals | AI-curated mutual fund portfolio |
Final Thoughts
Now no need to ask form advisors and pay them. All you need is the right app having AI in it. No need to track the market 24/7, AI will do it for you and give you all day information, which is important in just a single click.
AI is not just used for searching; it is now your investment advisor too. Whether you’re a college student trying to save your first ₹10,000 or someone planning for early retirement, these AI-powered apps are designed to make investing easier, faster, and smarter.
Before You Start Investing:
- Always read about the risks.
- Don’t invest money you can’t afford to lose.
- Use AI as a guide, not as your only advisor.