Artificial Intelligence (AI) in Financial Wellness Market Report 2026

The artificial intelligence (ai) in financial wellness market size has grown exponentially in recent years. It will grow from $23.74 billion in 2025 to $31.78 billion in 2026 at a compound annual growth rate (CAGR) of 33.9%. The growth in the historic period can be attributed to increasing adoption of digital banking services, rising consumer demand for financial transparency, growth of mobile financial applications, increasing availability of financial data, early integration of ai in personal finance tools.

The artificial intelligence (ai) in financial wellness market size is expected to see exponential growth in the next few years. It will grow to $100.96 billion in 2030 at a compound annual growth rate (CAGR) of 33.5%. The growth in the forecast period can be attributed to increasing demand for personalized financial wellness solutions, rising adoption of ai-powered financial coaching, expansion of cloud-based financial platforms, growing focus on proactive financial health management, increasing integration of ai with open banking frameworks. Major trends in the forecast period include increasing adoption of ai-driven personal finance platforms, rising use of predictive analytics for financial planning, growing integration of automated budgeting and advisory tools, expansion of ai-based credit and risk insights, enhanced focus on personalized financial education.

The increasing level of financial accessibility is expected to drive the growth of the artificial intelligence (AI) in financial wellness market in the coming years. Financial accessibility refers to how easily individuals can access and use financial services and products, irrespective of their economic standing, location, or financial background. Improving financial accessibility is critical to enabling more people to benefit from financial services, accumulate wealth, and achieve long-term financial stability, thereby supporting economic inclusion and reducing financial inequality. AI improves financial accessibility by delivering personalized and automated financial advice and services to underserved populations, simplifying complex financial processes, and offering cost-effective solutions tailored to individual needs. For example, in October 2025, according to the International Monetary Fund, a US-based international financial institution, Buy Now Pay Later (BNPL) services reached $350 billion in transaction value in 2024, while peer-to-peer and marketplace lending facilitated transactions worth $62 billion. Therefore, increasing financial accessibility is expected to propel the growth of the artificial intelligence (AI) in financial wellness market.

Participants in the artificial intelligence (AI) financial wellness market are increasingly focusing on virtual assistants, such as AI advisors, to enhance personalized financial guidance and improve financial decision-making. AI advisors are virtual assistants powered by artificial intelligence that provide customized financial advice, recommendations, and support based on user data and real-time analytics. For instance, in July 2024, EarnUp Inc., a US-based fintech company specializing in financial wellness solutions for consumers and financial institutions, introduced AI Advisor, a product designed to transform how financial institutions engage with consumers. This solution is designed to manage consumer financial wellness holistically by combining expert guidance with seamless execution. AI Advisor uses advanced artificial intelligence to deliver hyper-personalized insights and recommendations, helping users make informed decisions aligned with their financial goals. The platform analyzes real-time banking and credit data to provide tailored responses and product suggestions, thereby improving user experience and strengthening financial awareness.

In April 2025, Gen Digital Inc., a US-based provider of digital financial wellness and cybersecurity solutions, acquired MoneyLion for approximately $1 billion. Through this acquisition, Gen Digital aims to strengthen its AI-powered financial wellness portfolio by integrating MoneyLion’s personal finance management, credit-building, and embedded finance capabilities. MoneyLion Inc. is a US-based company that offers AI-driven financial wellness products and services.

Major companies operating in the artificial intelligence (ai) in financial wellness market are Prudential Financial Inc., Fidelity National Financial, Transamerica Corporation, Nu Pagamentos S.A. (Nubank), Mercer LLC, Ayco a Goldman Sachs Company, Ramsey Solutions LLC, Purchasing Power LLC, Personetics Technologies Inc., Wealthfront Corporation, Aduro Inc., Health Advocate Inc., PayActiv Inc., HealthCheck360 a division of Cottingham & Butler, Fyle Technologies Private Limited, Ellevest Inc., Financial Fitness Group, EarnUp Inc., Brigit, BrightDime Inc., Edukate Inc., Enrich Financial Wellness, Money Starts Here, SUM180 Inc., Best Money Moves LLC.

North America was the largest region in the artificial intelligence (AI) in financial wellness market in 2025. The regions covered in the artificial intelligence (ai) in financial wellness market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the artificial intelligence (ai) in financial wellness market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The artificial intelligence (AI) in financial wellness market consists of revenues earned by entities by providing services such as expense tracking and analysis, debt management, automated financial transactions, educational content, and resources. The market value includes the value of related goods sold by the service provider or included within the service offering. The artificial intelligence (AI) in financial wellness market also includes sales of software platforms, budgeting tools, and AI-driven investment platforms. Values in this market are ‘factory gate’ values, that is, the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors, and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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