Top Fintech Apps for Wealth Management in 2025: Your Complete Guide

Top fintech apps for wealth management displayed on smartphone screens

The way we manage money has fundamentally changed. Gone are the days when you needed a fancy office appointment with a traditional financial advisor to get your wealth in order. Today, the best fintech apps put powerful financial tools directly into your pocket, giving you real-time insights, automated investing, and personalized guidance whenever you need it.

Whether you're just starting your investment journey or you're a seasoned trader looking to optimize your portfolio, the fintech landscape in 2025 is packed with incredible options. Let's dive into the apps that are genuinely transforming how people build and manage wealth.

Money Lion: The All-in-One Powerhouse

If you're looking for a comprehensive wealth management solution, Money Lion stands out as a heavyweight contender. This subscription-based app has grown to serve around 4 million users and is valued at $2.4 billion—a testament to its effectiveness and popularity.

For just $19.99 per month, Money Lion delivers an impressive suite of features that go way beyond basic budgeting. You get access to research-backed financial insights, peer-to-peer lending capabilities, and a robust investment platform. The app allows you to invest in both stocks and cryptocurrency, making it perfect if you want diversified asset exposure.

What makes Money Lion special:

Interest-free loans up to $300 available within minutes
Free transactions at over 55,000 ATMs globally
Instant fund transfers without transaction fees
Up to 13% cashback rewards on purchases
Real-time credit score tracking with personalized improvement suggestions
An intuitive wealth management dashboard that actually makes sense

The real magic happens when you combine Money Lion's lending features with its investment tools. You can borrow money when you need it, invest your spare cash, and watch your money work for you—all from one app.

Empower: Best for Comprehensive Financial Planning

Empower takes a different approach: it's completely free. This no-cost budgeting app has earned its reputation as one of the premier choices for people serious about wealth accumulation and retirement planning.

What's brilliant about Empower is its visual approach to financial management. Once you link your bank accounts, credit cards, student loans, mortgages, and other financial accounts, the app creates a comprehensive visual overview of your entire financial life. You're not just seeing numbers on a screen—you're seeing the complete picture of where your money is and where it's going.

The platform includes Personal Capital integration, which gives you investment insights and helps you calculate your actual retirement needs. This is crucial because many people have no idea if they're on track for retirement—Empower solves that problem.

Key strengths of Empower:

Completely free with no hidden monthly fees
Visual financial overview dashboard
Seamless account linking across all your financial institutions
Dedicated tools for wealth building and retirement planning
Fee analysis to help you save money on investment costs
Personalized advice from financial advisors

For anyone who wants to get serious about their finances without paying a subscription, Empower is genuinely hard to beat.

Financial planning dashboard showing investment portfolio and retirement projections

Betterment: Automated Investing Made Simple

Betterment has revolutionized investing for regular people by making automation the centerpiece of its offering. If you don't want to spend hours researching stocks and making trading decisions, Betterment handles the heavy lifting.

The app uses sophisticated algorithms to automatically rebalance your portfolio, ensuring your investments stay aligned with your goals. It's perfect for the "set it and forget it" investor who wants professional-grade portfolio management without the professional-grade fees.

Acorns: Investing Your Spare Change

Here's a concept that sounds simple but is genuinely transformative: Acorns rounds up your purchases to the nearest dollar and invests the difference. Founded in 2012, Acorns has helped millions of young savers and beginners build investment habits without feeling the pain of large contributions.

In 2025, Acorns expanded its offerings with micro-401(k) options for gig economy workers through employer tie-ups. This is a game-changer for freelancers and contractors who typically have no retirement savings options.

Stash: Banking and Investing Combined

Stash merged banking and investing under one roof, creating a platform that's particularly appealing to new investors. The app offers fractional shares (so you can invest in expensive stocks with small amounts), stock guidance, and integrated budget tracking.

The 2025 update brought AI-powered financial lessons that help users make smarter money decisions. This educational component is underrated—many people fail at investing not because they lack money, but because they lack knowledge. Stash addresses this directly.

Revolut: Global Money Management

For people who move between countries, travel frequently, or work internationally, Revolut is a game-changer. Founded in 2015 in the UK, Revolut offers currency exchange, crypto trading, and comprehensive budget tools all designed for borderless finance.

In 2025, Revolut added freelancer banking features including invoice management and multi-currency payroll. If you're a digital nomad or international contractor, this app deserves serious consideration.

Coinbase: Your Cryptocurrency Gateway

Coinbase has been the go-to platform for cryptocurrency since 2012. Supporting over 150 digital assets, secure wallets, and DeFi integrations, Coinbase serves both crypto beginners and experienced traders.

The 2025 updates include Web3 identity tools and hardware wallet sync, adding layers of security for serious crypto investors. If cryptocurrency is part of your wealth management strategy, Coinbase remains the most user-friendly entry point.

Comparing Your Options: Which App Is Right for You?

App	Best For	Cost	Key Feature
Money Lion	All-in-one wealth management	$19.99/month	Loans + investing + cashback
Empower	Free comprehensive planning	Free	Visual financial overview
Betterment	Automated investing	Low fees	Auto-rebalancing
Acorns	Beginner investors	$1-5/month	Round-up investing
Stash	New investors wanting education	$2-9/month	AI-powered lessons
Revolut	Global money management	Free-premium options	Multi-currency + crypto
Coinbase	Cryptocurrency investing	Varies	150+ digital assets

The Future of Wealth Management Is Here

What's remarkable about the fintech revolution is that it's democratized wealth management. Twenty years ago, you needed significant assets to access professional financial advice. Today, anyone with a smartphone can access tools that rival what hedge funds use.

Modern fintech platforms go beyond simple budgeting. They integrate AI, predictive analytics, and open banking to provide real-time advice and hyper-personalized experiences. They're secure (using enterprise-grade encryption and multi-factor authentication), they're compliant with global regulations, and they're constantly evolving.

The best part? These apps don't replace human financial advisors—they enhance the relationship. By automating repetitive tasks and providing instant portfolio access, they free up time for meaningful financial conversations with advisors and give you control over your money between those conversations.

Getting Started: Your Action Plan

Start by identifying what matters most to you. Are you looking for comprehensive financial planning? Go with Empower. Want automated investing with minimal effort? Betterment is your answer. Serious about cryptocurrency? Coinbase is essential. Need loans and investing combined? Money Lion delivers.

Most of these apps are free to download and explore, so there's no risk in trying a few to see which interface and features resonate with you. The key is to actually start—the best wealth management app is the one you'll actually use consistently.

The fintech revolution isn't coming; it's here. Your wealth management journey in 2025 should leverage these powerful tools. Your future self will thank you for taking action today.