AI-Powered Investment Apps to Grow Your Wealth in 2025

Investing in 2025 is smarter, faster, and more accessible than ever. Artificial intelligence is no longer just for boardrooms. Now, it boosts apps that everyday investors use to build wealth. AI can spot patterns, change portfolios on its own, and give personalized advice. This used to require a financial advisor. Whether you’re saving your first $100 or are just starting to invest, an AI tool can assist you. If you are a seasoned trader, AI tools can still help you achieve your goals.

Why Use AI for Investing

AI makes investing easier by reducing guesswork and human bias. These tools handle huge datasets in seconds. They provide insights that help you make smarter decisions. Automated rebalancing keeps your portfolio in line with your risk tolerance. Tax-loss harvesting can also improve your after-tax returns. Most apps are great for beginners. They have low account minimums and easy-to-use dashboards.

At-a-Glance Comparison Table

Before we dive into the full reviews, here’s a quick snapshot of the top AI-powered investment apps for 2025.

This table shows their pricing, ideal users, and key strengths. You can easily spot which options match your investment style before exploring the details below.

App	Pricing	Ideal For	Key Strength
Betterment	0.25%–0.40% AUM	Beginner, passive investors	Goals & tax-loss harvesting
Wealthfront	0.25% AUM	Passive savers	Cash + financial planning
Magnifi	$11/month	DIY investors	AI search & suggestions
Tickeron	Free + Premium	Active traders	Pattern signals & backtesting
Trade Ideas	$118–$228/month	Day traders	Holly AI & risk control
eToro	Free (spreads apply)	Social investors	CopyTrading + demo account
Acorns	$3–$5/month	Micro-savers	Round-up investing
AInvest	Freemium	Stock watchers	AI predictions & alerts
Streetbeat	Free / Premium	Data-driven investors	Alt-data strategies
Empower (formerly Personal Capital)	Free + 0.89% AUM	Hybrid investors	Net worth dashboard

Top AI-Powered Investment Apps for 2025

1. Betterment

Best For: Beginner investors who want a completely hands-off approach.

Betterment is the robo-advisor that popularized automated investing. Its AI creates a diverse portfolio just for you. It considers your goals, risk tolerance, and timeline. Then, it keeps it maintained. When your allocation shifts, Betterment automatically rebalances it to keep you on track.

A key benefit is tax-loss harvesting. It lowers your tax bill by using losses to offset gains. You get personalized goal tracking. Betterment adjusts your investments based on your timeline. Whether you’re saving for retirement, a home, or building wealth, they’ve got you covered.

Example: A young professional saving for a wedding can set a short-term goal. As the date gets closer, Betterment can shift their portfolio to safer assets.

Key Features:

• Automated rebalancing and dividend reinvestment
• Goal-based investing for short- and long-term milestones
• Tax-loss harvesting to boost after-tax returns

Pricing: 0.25% annual fee for Digital; 0.40% for Premium with advisor calls.

2. Wealthfront

Best For: Passive investors who want automation plus strong financial planning tools.

Wealthfront offers one of the most robust robo-advisor experiences available. It uses AI to manage and rebalance your portfolio daily, so you don’t have to monitor markets constantly. Wealthfront isn’t just about investing. It also offers a high-yield cash account. This makes it a complete hub for both saving and investing.

Its financial planning tools are a standout. You can estimate future balances based on your savings rate. This helps you check if you’re on track for retirement or any big goal.

Example: A freelancer with uneven income can keep funds in Wealthfront’s cash account. Then, the platform will invest automatically when balances reach a target.

Key Features:

• Daily rebalancing with zero manual input
• High-yield savings for uninvested cash
• Goal projections with personalized planning tools

Pricing: 0.25% annual advisory fee.

3. Magnifi

Best For: DIY investors who want AI recommendations without giving up control.

Magnifi acts like an AI-powered search engine for investments. You can ask questions like “find tech stocks with low volatility.” The platform will give you personalized results right away. The built-in AI assistant helps analyze your portfolio. It points out risk exposures and gaps in diversification.

It’s a smart pick for investors. They can pick their own holdings and still get data-driven help.

Example: An investor looking to focus on clean energy can ask Magnifi to create a list of ETFs. They can then add them with just one click.

Key Features:

• Natural language search for investments
• Portfolio analytics and risk exposure insights
• Chat-based assistant for ongoing guidance

Pricing: Starts at $11/month.

4. Tickeron

Best For: Traders seeking AI-powered technical analysis and pattern recognition.

Tickeron uses smart algorithms to spot chart patterns in stocks, ETFs, and crypto. Each signal has a probability score. This helps you judge confidence before acting. Traders can test strategies with past data. This shows how well they might have done.

This tool is perfect for active traders. It helps them use AI to find opportunities more quickly.

Example: A day trader searching for head-and-shoulders patterns can use Tickeron. It scans the market and sends instant alerts when these patterns show up.

Key Features:

• AI-generated trade ideas with probability scores
• Pattern recognition across multiple asset classes
• Built-in backtesting tools to refine strategies

Pricing: Free limited version; premium plans start at $15/month.

5. Trade Ideas

Best For: Serious traders who want real-time AI-generated trading setups.

Trade Ideas uses Holly AI. It scans markets in real time. This helps find high-probability trades. Every trade idea includes clear entry, exit, and stop-loss levels. This helps you manage risk.

The platform lets you practice trades in a demo account. This helps you build confidence before using real money.

Example: A swing trader gets a daily list of setups. They can test these in simulation. Then, they execute the strongest ones using live brokerage integration.

Key Features:

• Real-time AI trade alerts with risk levels
• Strategy backtesting with historical data
• Brokerage integration for seamless execution

Pricing: Standard plan $118/month; Premium $228/month.

6. eToro

Best For: Social investors and those curious about copy trading.

eToro uses AI and a lively social platform. You can automatically copy the portfolios of successful traders. This means you can learn while earning — perfect for those new to investing.

You can invest in stocks, ETFs, crypto, and more, all within one interface. A virtual portfolio lets beginners practice with fake money until they are ready.

Example: A beginner unsure of where to begin can follow a successful tech investor. They can also monitor their performance in real time.

Key Features:

• CopyTrading for hands-off mirroring of expert portfolios
• Access to global markets including crypto
• Virtual trading mode for learning risk-free

Pricing: Commission-free stock trading; spreads apply for crypto/CFDs.

7. Acorns

Best For: Micro-investors who want to start small and grow gradually.

Acorns takes your spare change. It rounds up your daily purchases to the nearest dollar and invests the extra amount. It automatically builds a diversified portfolio and rebalances it regularly.

The app provides retirement accounts and a checking account. It also offers smart spending insights. This is great for anyone wanting a simple all-in-one solution.

Example: Buying a $3.50 coffee triggers a $0.50 investment, which adds up over time without you noticing.

Key Features:

• Round-up investing to build wealth passively
• Automated rebalancing for hands-free management
• Retirement and checking accounts available

Pricing: $3–$5/month depending on plan.

8. AInvest

Best For: Investors looking for predictive analytics and social insights.

AInvest uses AI to predict stock movements and alerts you to good opportunities. You can make watchlists, get real-time alerts, and see what the community thinks.

It’s a good match for those who like to mix data-driven decisions with crowd insights.

Example: A retail investor can track an AI watchlist of “bullish trend” stocks. They receive alerts when price targets are close.

Key Features:

• AI-powered stock trend forecasts
• Customizable watchlists and price alerts
• Community feed for collaborative ideas

Pricing: Freemium with paid add-ons for advanced tools.

9. Streetbeat

Best For: Data-driven investors who want hedge-fund-level insights.

Streetbeat stands out because it combines AI with alternative data. This includes consumer spending trends and mobility data. It creates investment strategies that mimic professional hedge funds. This gives retail investors access to smart, institutional-level insights.

Personalized portfolios are adjusted based on user goals and changing market conditions.

Example: An investor can allocate funds in a strategy using real-time retail sales data. This helps them get ready before earnings reports.

Key Features:

• AI-driven strategies built from alternative data
• Personalized portfolio construction
• Real-time market insights

Pricing: Free basic plan; premium tier unlocks advanced strategies.

10. Empower (formerly Personal Capital)

Best For: Investors who want automation plus human advisor access.

Empower (formerly Personal Capital) offers free financial dashboards to track net worth, cash flow, and investments. Its AI-powered platform helps you analyze asset allocation and plan for retirement.

For those seeking professional help, Empower provides fiduciary financial advisors to create custom strategies based on your goals.

Example: A couple planning early retirement can adjust spending assumptions in Empower’s retirement planner. They can instantly see how these adjustments affect their long-term projections.

Key Features:

• Net worth, cash flow, and investment tracking in one place
• Retirement planner with AI projections
• Access to licensed financial advisors for premium clients

Pricing: Free dashboard; advisory services start at 0.89% AUM.

Quick Tips to Maximize AI Investing

• Start Small, Then Build: Begin with a manageable amount — even $50 or $100. You can test the app’s features. This way, you’ll see if the strategy fits your comfort level before putting in more money.
• Review Monthly, Not Daily: AI works best over time, not hour by hour. Check your portfolio monthly to stay on track. Avoid panic-selling during market dips. Don’t make impulsive changes.
• Turn On Automatic Rebalancing: Rebalancing keeps your risk profile steady. Turning on this feature will automatically adjust your portfolio. It helps maintain your ideal allocation when markets change, so you stay protected.
• Use Tax-Advantaged Accounts: Whenever possible, use IRAs, Roth IRAs, or other tax-advantaged accounts for your AI-managed portfolios. This helps minimize taxes on gains and can boost your long-term returns.
• Pair with Budgeting Tools: For the best results, sync your investing strategy with your budgeting plan. Merging an AI investment app with an AI budgeting tool gives you a complete view of your finances. This helps you control spending and invest more regularly.

How to Pick the Right AI Investment App

Picking the right AI investing tool can lead to a smooth experience or cause frustration. Here’s how to narrow it down:

• Know Your Risk Tolerance: If market swings make you nervous, choose conservative robo-advisors. Betterment and Wealthfront keep allocations balanced and steady. If you love volatility, apps like Trade Ideas and Tickeron help you seize real-time chances.
• Consider Your Time Horizon: Long-term investors focused on retirement will appreciate platforms with goal-based planning. Short-term traders will want platforms offering fast, actionable alerts.
• Compare Fees Carefully: Even a 0.25% vs. 0.50% fee can add up over decades. Choose low-cost options for long-term investments, but keep useful features. Don’t skimp just to save a little money.
• Decide on Your Level of Control: Do you want AI to manage everything? Or would you prefer to adjust your portfolio on your own? Hybrid platforms like Personal Capital offer a mix of automation and human guidance.
• Check Ease of Use: Choose an app with a clean dashboard and easy navigation — you’ll be checking it often. A good user experience makes it easier to stick with your plan.
• Test Before Committing: Start with free versions or trial periods when available. This helps you check if the app’s insights and recommendations fit your needs. You can do this before investing a lot of money.

Privacy and Security Considerations

Only use platforms with bank-level encryption and secure API connections. Look for SIPC insurance, which protects your investments if the brokerage fails. Always review privacy policies to know how your data is stored and whether it can be deleted if you leave.

Emerging AI Investment Trends in 2025

• Smarter Market Predictions: AI models are becoming better at detecting early signals of market shifts. They use large data sources, such as past price trends and social sentiment. This helps alert investors before major changes happen.
• Full Money Ecosystems: Expect tighter integration between budgeting and investing apps. AI will soon adjust your investment contributions based on your spending habits. This will help you stay on track without needing to do it yourself.
• Voice-Activated Investing: Managing your portfolio could be as simple as chatting with Alexa or Google Assistant. Imagine saying, “Increase my ETF allocation by 5%,” and having it executed instantly.
• Boom in ESG & Sustainable Portfolios: AI is helping investors find companies with strong environmental, social, and governance (ESG) scores. This means your investments can align with your values without sacrificing performance.
• Hyper-Personalized Advice: AI will create strategies just for you. It considers your financial goals, risk level, and past behavior. This means you get a unique plan made for your needs.
• Generative AI for Investor Education: AI isn’t just for managing money. It can also be your personal teacher. It breaks down complex market moves. It provides easy-to-read summaries and gives explanations when you need clarity.

Frequently Asked Questions

1. What is an AI investment app?

An AI investment app uses machine learning to create, manage, or optimize your portfolio. It can recommend assets, automate rebalancing, and help minimize emotional investing.

2. Are AI investing platforms safe?

Yes, when you choose reputable platforms with SIPC insurance and bank-level encryption. Always review security policies and enable two-factor authentication for extra protection.

3. Do I need a lot of money to start?

No — many apps let you start with $1 to $100. Micro-investing platforms like Acorns and robo-advisors make it easy for beginners to get started.

4. Can AI actually beat human financial advisors?

AI can manage portfolios efficiently and without bias, but complex planning (taxes, estate, business finance) may still benefit from human expertise.

5. How do AI apps make money?

Most charge a small management fee (Betterment, Wealthfront) or subscription (Magnifi, Acorns). Others earn through premium features, spreads, or partnerships.

6. Which AI investment app is best for beginners?

Betterment and Wealthfront are excellent starting points thanks to low minimums and easy automation. Acorns is great for micro-investing with spare change.

7. Can I use more than one AI investing app?

Yes, many investors use multiple apps — one for passive investing, one for active trading insights, and another for retirement tracking.

Conclusion

AI is transforming investing from a stressful chore into a guided, data-driven experience. Whether you want to grow wealth passively, trade actively, or get hybrid advice, there is an app for you. Start with one platform, monitor your results, and scale up as you gain confidence. Smart investing starts with picking the right tools. In 2025, AI makes this choice simpler than ever.

Disclaimer: This article is for educational purposes only and is not financial advice. Investing involves risk, and you may lose money. Always do your own research or consult a licensed advisor before making decisions.

💬 We’d love to hear from you! Have you tried any AI investment apps? Share your thoughts in the comments. Your insights can help others pick the best tool.