Personal Finance Technologies for Money Management in 2025

Spending is more fun than saving, but never as rewarding. Money management is more than saving; it involves knowing how you spend your cash and helps you find different ways to invest and increase your savings over time. 

Technology is one of the best ways to manage your money in 2025, and when 35% of UK citizens are worried about their financial future, now is the time to consider personal finance technologies for money management. 

This article defines personal finance technology, splits technologies into categories, and gives examples. This information will help you better use your money and become more stable, happier, and confident about investing.

What Is Personal Finance Technology?

Personal finance technology includes tools, apps, and websites that help people manage their money. You can use these technologies on smartphones, tablets, or computers to make managing money simpler and faster.

Some tools help people track how much money they earn and spend. Others show ways to save money or invest it so it can grow over time. There are even tools that remind people to pay their bills on time.

Examples of Personal Finance Technologies

It can be overwhelming to choose technologies that help with your finances. However, when you break these technologies into groups, as you can see below, you can decide which app you need for every need. The first and most popular of these categories is budgeting apps. 

Budgeting Apps

Budgeting apps are very popular. These apps help people understand where their money is going. A budgeting app can show how much money users spend on food, video games, or clothes. It helps people see if they are spending too much or have money left to save.

For example, an app might show someone spending £50 a month on snacks. If they want to save more money, they can spend less on snacks and put that into their savings.

Some budgeting apps for 2025 include:

• Emma: Joins all your accounts to track spending, categorize expenses, and monitor subscriptions.
• Moneyhub: Consolidates various financial accounts and offers tools to create budgets, categorize spending, and set financial goals.
• Monese: Provides spending analysis and budgeting tools, allowing users to set and track expenses.

Budgeting is the first step toward a more stable financial future. Choose one of the above apps to suit any budget and optimize your cash. 

Saving Tools

Saving money is essential for everyone. Technology makes saving cash easy, no matter what you’re saving for or your income. Some apps automatically save small amounts of money. For example, they might round up every purchase to the nearest dollar and save the extra cents. Over time, those small amounts can add up to a lot.

Popular saving tools in 2025 include:

• Plum: Automatically analyzes transactions to show affordable savings amounts, helping users save.
• Monzo: Monzo is popular because it helps people save by adding money to a pot, separating spending from savings. 
• Starling: This bank account can round up spending to the next pound and add it to savings, making saving money easy.

Saving is at the core of money management, so select the best saving tool to save the maximum amount.

Investing Apps

Investing helps money grow over time. In 2025, investing apps make it easy for anyone to start investing, even if they don’t know much about it. These apps guide users and help them make good choices.

Some investing apps also use AI (artificial intelligence) to suggest smart investments. AI analyzes large amounts of data and finds the best options for growing money safely.

Top investing apps in 2025 include:

• Moneybox: Enables users to invest spare change from everyday purchases into stocks and shares ISAs.
• Nutmeg: An online investment management service offering diversified portfolios tailored to individual risk preferences.
• Hargreaves Lansdown: A comprehensive investment platform providing access to various investment options, including stocks and funds.

If you are considering investing in your future, choose one of the above apps to make the process easy and effective. 

Bill Payment Tools

Paying bills on time is crucial because it keeps services like electricity and the internet working. Some apps remind people to pay their bills or even pay them automatically. These tools ensure that bills are never missed, which helps people avoid extra fees. Just use a VPN to ensure hackers don’t steal your banking data. 

Some popular bill payment tools include:

• Monese: Supports direct debits and provides tools to efficiently manage and track bill payments.
• Snoop: Monitors household bills and suggests cheaper alternatives, helping users manage and reduce expenses.
• Revolut: Supports direct debits and recurring payments, enabling users to manage bills seamlessly.

Choose one of the above bill payment tools to pay your bills on time. 

Cryptocurrency Wallets

Cryptocurrency is a type of digital money. In 2025, more people will use cryptocurrencies like Bitcoin. To keep these digital coins safe, people use cryptocurrency wallets, apps that store digital money securely. When using these wallets, it’s also essential to consider cybersecurity using a free VPN, which encrypts your connection to keep your investments safe.

Some popular cryptocurrency wallets in 2025 are:

• Coinbase: A widely used cryptocurrency exchange that provides secure storage solutions for various digital assets.
• Binance: Offers a comprehensive platform for trading and storing a wide range of cryptocurrencies.
• Plum: Supports connections with major crypto platforms, enabling users to track their cryptocurrency holdings. 

Consider these cryptocurrency wallets to invest in crypto and grow your savings to secure your financial future. 

Your Financial Toolkit for 2025

Personal finance management technologies will be more essential in 2025 than ever as the cost of living remains high and inflation grows. Consider examples like cryptocurrency wallets, budget apps, and bill payment technologies to help manage your finances.

Using these technologies helps you pay your bills on time, save money for the future, and make the right financial decisions so that you will be stable by the end of this year.