This article showcases Startup Pill’s top picks for the best Personal Finance startups. These startups are taking a variety of approaches to innovating inside of the Personal Finance industry and around the world. They are all exceptional startups well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
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Top Personal Finance Startups
VC-funded Startup aims to disrupt the payday distress cycle. The app helps you gain instant access to your wages on demand.
The app also automatically predicts when your bills are due, shows you how much is OK for you to spend, and automatically creates budgets for you, effortlessly. The app helps you Supercharge your bank account, giving you access to your pay as you earn it, and empowering you to save big money with seriously little effort..
Lendtable is a financial services company that specializes in providing income-constrained individuals with wealth-building cash advances. The company also specializes in the fields of fintech, tech, investing, and wealth and it gives people cash advances to build their wealth.
It was founded in 2020 and headquartered in San Francisco, California.. .
Finch empowers you to access the benefits of investing without having to significantly change the way you manage your money today. Finch lets you earn investment returns by automatically investing your balance into a portfolio of diversified exchange-traded funds (ETFs) designed to match your unique risk profile.
This means your entire balance is always working for you, from day one, no matter what your balance is. Finch further pushes the envelope by enabling you instant access to your money when you need it (even the invested part!).
The company was founded in 2019 and headquartered in Boston, Massachusetts.. .
EverUp is a gamified, prize-linked saving app. EverUp is building the first UK prize-linked money account, on a mission make saving fun and get everyone to save.
They are reimagining personal finance, building an all-encompassing prize-linked proposition, across saving and personal lending. EverUp has been admitted to the FCA Innovation Hub..
Nude helps first-time buyers save for and purchase their first home. Set a target, then get personal insights and lifestyle tweaks to knock months or even years off your goal – without ruining your social life.
We’re rebuilding the home-buying experience to make it easier and more enjoyable than ever before. From saving that first £5, to sending champagne to celebrate on move-in day, we guide you all the way.
You’ll have your keys in no time. Our ambitions are large and global, including applying for a banking licence to launch Nude mortgages and to support people through all of life’s big moments, like weddings, children’s accounts and retirement too..
Spenny offers an easy and fast way to save and invest money. It uses encryption and partner with insured custodians to ensure the assets are held safely.
Every time a user makes any digital transaction, it rounds off the amount to the nearest 10 INR and invests it for them into a diversified portfolio, automatically.. .
Savology is a venture-backed startup that is on a mission to improve the financial well-being of millions of American households by making financial planning more accessible, actionable, and effective than ever before. In just 5 minutes, users can build a personalized financial plan, holistic report card, and personalized action items. In addition to their consumer-facing product, Savology works closely with employers to offer employees financial planning and wellness benefits.
Armadillo Financial Technologies
We at Armadillo want to empower you to make the most of the Open Banking revolution. Our mission is to give you and your customers the best tools to collect, organise and send information about their bank accounts in a controlled way.
By doing this we make your processes fast, simple, secure and cost effective. Our team brings together the expertise and experience of senior executives from the worlds of finance and technology..
Wealth Square is a crypto robo-advisor platform where users can invest, manage, diversify, save, track investments and goals and get advice for their Fiat and Crypto investments. Wealth Square offers fully-diversified cryptocurrency portfolio based on userst risk profile.
We use advanced proprietary algorithmic tools to simply the entire investing experience that comes with automated features to make investing and portfolio rebalancing a breeze.. .
We give to financial companies and organizations that work with the unbanked and underbanked the technology and the business support to connect and reach them in a cheaper and easier way. As a result, the offer of credit improves.
As a result, they reduce the cost of customer acquisition and improve the user experience of their products. On the other hand, we share with the unbanked and underbanked people a free tool that helps them to apply for a loan and get it immediately.
People looking for a loan can get it through our merchants or through our website.. .
Mattrvest democratizes finance, enabling millennials to plan, save and spent in what matters to them. Mattrvest provides financial education and planning in a frictionless interface via a set of chatbots.
In the future, the company aims to offer impact investing opportunities and financial services aligned with the values of its users.. .
Corevest is a social trading platform that gives everyday traders the ability to view and share their networks trading activity and portfolio holdings. Using Investment API technology Corevest syncs users profiles directly with their brokerage accounts to provide real time trading activity to their feed as well as up to date portfolio breakdowns and performance metrics.
Corevest creates a new industry of ‘Best in class Traders’ by showing brokerage-validated performance of all users.. .
Stack is a smart mobile finance platform for the millennial and gen-z generation, designed to help people lead healthier financial lives and automate their savings, spending and investments along with their friends and family. We’re not a standard start-up, our founding team is comprised of serial entrepreneurs who have done it before and want to do it bigger and better.
At the heart of this transformation, our team is building the technology, design, user experience, workflows, and methodologies that will be used to profoundly change the way we all manage our financial lives.. .
AAX (ATOM Asset Exchange) is the world’s first digital asset exchange powered by LSEG Technology, the new technology business under London Stock Exchange Group. Leveraging LSEG’s proven, robust and scalable technology, AAX provides world-class exchange reliability and performance.
AAX will offer users the opportunity to trade spot and futures markets for cryptocurrencies, and in the future, a range of tokenised assets including, securities tokens, asset backed tokens and stable coins. AAX is designed with LSEG Technology’s world-leading matching engine proven in more than 40 regulated markets, which offers ultra-low latency and accommodates exceptionally high throughput.
In addition, ATOM will launch AAX Pro, a professional-grade trading platform catering for institutional clients with low latency connectivity and colocation services. With institutional-grade technology, compliance (including KYC and AML) processes, combined with world-class security from Kroll, AAX delivers a highly reliable, scalable, secure and liquidity-rich exchange platform for all investors.
AAX is part of ATOM Holdings.. .
Holo is the first web-based Digital mortgage advice and application platform in the UAE. The Holo platform selects an optimum mortgage product for a customer based on their personal requirements.
The application can be done quickly and simply, 24/7 from any connected device. Participated on the Wamda X cohort for 2020 and now busy pushing ahead in revolutionizing how the UAE applies for Home Loans..
Wealthyhood is the first smart, personalised and commission-free wealth management app. It brings the best of the two worlds of modern trading apps and robo-advisors, to create a brand new, DIY wealth management experience for younger investors.
________________________ Wealthyhood is: – Smart: It provides automated portfolio templates, real-time insights & visual tools, to help users construct the portfolio that matches their needs and goals. – Personalised: It offers a personalised experience, as every template is fully-customisable, and investors have full control over the process.
– Commission-free: With no commissions or annual fees, users’ money can grow to its full potential. ________________________ How it works? i) Decide your initial and monthly investment.
ii) Pick the optimal allocation template based on your preferences. You can use many parameters, like risk, ESG, tech exposure and other investment themes.
Wealthyhood’s templates consist of different asset classes, from numerous markets, jurisdictions and industries worldwide, to achieve the widest diversification. iii) Customise your portfolio as much as you want.
Wealthyhood supports you through the process, with smart insights, statistics, visual tools and pie charts that give you an instant holistic view. iv) After every change, check the expected growth and risk of your investment with our real-time projection tool.
HealthBank is a healthcare financial technology company that is building the financial OS for insurance and consumer payments for the future of healthcare. We are building the world’s first financial OS for healthcare providers (like hospitals, pharmacies), health insurance carriers, payers and benefits & HR platforms.
The infrastructure makes it easier, faster, and cheaper for the providers so that they can focus on what they do best; taking care of patients and patient needs.. .
Finllect is the MENA’s first financial wellness platform for Gen Z. The AI-enabled financial health monitor that enables the Gen Z to make smarter choices with bite-sized financial content and gamified budgeting tools.
With personalized content on how to budget, save, invest, earn, and improve financial wellness, Finllect enables its community to save time, money, and financial stress by taking control of their finances. The application enables users to pre-qualify for financial products and academic scholarships through building positive financial habits such as racking expenses, scanning receipts, and creating budgets.
With over 7,000+ users on its platform, 6+ major brands on its in-app rewards program and leading banking partners and personal financial experts within the MENA region, Finllect makes financial literacy accessible for Gen Z.. .
We solve the financial exclusion of European Expats by offering a way to get their first mobile, insurance, banking and credit. For the fast moving population between countries.
Ocyan is connecting the user data like credit score, banking transactions, identity and many others from the emigrated country to their destination, enabling an easier adoption with the businesses at the new local market.. .
Alphamolly recognise that trade execution only is not enough to enable investors to secure consistent investment growth. Alphamolly gives investors the facts that enable smart investment decisions by providing a complete toolset that empowers investors to effectively manage and monitor their investments and actively monitors the markets to identify investment opportunities aligned to an investors investment objectives.
Established in 2021, the company is based in London.. .
FranShares allows you to invest in a multi million dollar franchise portfolio that is diversified with recession-resistant franchises, crowdfunded and operated locally. Portfolios are accessible to both accredited and unaccredited investors for as little as $500 with no fees.
The first to market 401(k) eligible stock market alternative investors can watch grow while investing in their community.. .
You don’t need to be an expert to find the best ways to manage debt or invest your money. You give us some basic, non-intrusive info, and Credello gives you personalized recommendations that match your needs.
With Credello, making financial decisions is as easy as ABCD. Answer > Brainstorm > Compare > Decide 1.
ANSWER QUESTIONS – First, answer a few basic, non-intrusive questions about your debt and finances to help get us up to speed. 2.
BRAINSTORM GOALS – Next, share your financial goals and preferences so we can personalize our recommendations. 3.
COMPARE PRODUCT – Then, compare solutions based on how well they match your needs, goals, and eligibility. 4.
DECIDE – Finally, use our convenient match scores to prioritize your options and pick the solution that works best for you. Credello puts personalized financial solutions at your fingertips—so you can make decisions with confidence..
Mobile banking and financial services for people with disabilities. Open a Purple bank account to receive your Social Security Income (SSI) and Social Security Disability Insurance (SSDI) payments up to two days early.
No hidden fees. No minimums..
Set Your Budget Ubuth Limited
Set Your Budget Ubuth Limited is a company that helps its clients handle their finances with ease. It provides its customers with an application that is easy to use, reliable and safe.
Its clients can sign up and start managing, tracking and planning their finances in advance.. .
MoneyVerbs helps users practice everything they wish they learned about money in school, from getting out of debt to getting rich. We are taking them on a transformational journey to help get rich and level up, and be secure in their financial lives.
It’s not just a learning platform, it’s a behavioral change platform that helps people create good money habits and improve their financial well being.. .
Anasova provides a high-quality, single access-point to a comprehensive personal finance network. We deliver family-office quality advice and solutions, to a broader segment of the market, at a fraction of the cost.
We were founded in 2020 and are headquartered in Chicago, Illinois.. .
Credicxo is an instant personal loan platform that offers the fastest online personal loan with the least verification of documents. Most importantly, here you will get a personal loan on your fingertips instantly.
From entrepreneurs to young salaried professionals, anyone can opt for Instant personal loans.. .
Wowoo Exchange Singapore
Wowoo Exchange Singapore is a digital asset exchange for users to buy & sell cryptocurrencies with confidence on a secure, user-friendly platform. With advanced trading features as well as partnerships with leading fintech firms, the Exchange provides its users with a strong, compliant trading environment.
Led by a team of experienced finance and tech professionals, Wowoo Exchange aims to leverage its expertise to bring crypto trading to the wider audiences in the region. To learn more about us please visit https://www.wowoo.exchange.
Koody helps young adults make the most of their finances. Our platform allows users to discover the best money management tools, expert guidance, and financial advisers.
Our long-term goal is to help close the UK’s widening financial advice gap and then expand into other countries.. .
Divvz enables transparency, validation, and accountability between parties seeking to split the cost of goods. It does this in a way that leads to confidence and trust in the Divvz app, and between the parties, saving relationships in the process.
Divvz is an intuitive app, with patent-pending technology, that’s focused around the complex process of validating, tracking, communicating, and transacting with others. Divvz is the best way for people to split the cost of the things they share, and does so through a single platform that users can trust..
Millennials are growing up and they have difficulties to save for medium and long-term goals, they don’t have ways to manage finances and they think investment products are only for professional investors and hard to access. In fact, they don’t have a fully digital planner/advisor for their major life investments.
Talvi is the only automated financial advisor offering financial planning, investment management, financial education and banking-related services all on a mobile app. We partner with corporates to distribute Talvi through their customer base.
Talvi = Goal Planning + Learning + Savings + Automated Investments + Transactional Marketplace (home sellers, mortgages, car sellers, lending, insurances, etc). .
GammaRey is a global fintech company with a focus on the remittance industry. Through the implementation of blockchain technologies, GammaRey is revolutionizing the speed and fee structure of remittance technologies worldwide.
GammaRey is quickly evolving into a full-stack ecosystem for the new world digital economy, including its own commodity-backed digital currency, a digital wallet, and a proprietary platform providing functionality through securities trading, goods, and services.. .
Fund Tracker Click Look Ltd
Fund Tracker Click Look Ltd is a company that specializes in financial planning services. Keeping track of our daily transactions, savings accounts and bills isn’t as simple as it sounds.
But, with the right tool – it can be! Fund Tracker is an online software that allows its clients to manage, keep track and organize their finances in a matter of minutes. Give it a try, and you will be surprised how easy this process can be..
SumTrust (Formerly SumoBank) is an automated personal savings and investment platform that helps you save, send, receive and plan your finances effectively while making better business decisions. SumoTrust is a product of Sumo Tech Global Limited which is registered as a financial service company with Cooperate affairs commission (CAC) with the RC NUMBER: 1524989.
In partnership with Entrepreneur Platform, Nigeria largest business and enterprise blog which have been read millions of times across the globe to build a free business academy for entrepreneurs on the Sumotrust platform. With Sumotrust, you can choose to save and raise money for something or invest your money to earn profit returns annually.
Mission: To give people the power to easily save and manage their finances through automation while taking the right action their money. Vision: We want to see more successful people in the economy with projects executed without much hassle as regards financing.
The more people save, the more the have money to carry out projects when the time comes, this is why Sumobank is in Partnership with Entrepreneur Platform to raise business leaders across various sectors using Edutech. Aside from other factors, having money somewhere for emergency with good financial education is one of the major things that Africa needs to understand and from what our partner stand for at Entrepreneur Platform, we want to see people Happy with enough money to operate while guided.
Easy saving platform at user’s comfort. Transparent Solution to saving and investing.
Cashless policy brought to the grass root. Better and automated savings decisions towards goals..
DebtMD is a free service that connects people with lenders, credit counselors, debt settlement companies, and bankruptcy attorneys. With our technology, consumers will get a lightning-fast financial check-up and their options presented in simple terms.
Users will be able to find the best solution for high interest credit card debt, medical bills, and/or student loans. Our goal is to make the path to financial freedom as smooth, quick, and stress-free as possible..
Startup portfolio management, deal flow, and due diligence software for early-stage micro-angel and equity crowdfunding investors. For investors who take their startup investments seriously, you can’t rely on spreadsheets to manage a portfolio of early-stage startups.
VentureWallet removes the stress and complications of deal flow management, portfolio tracking, and more in one intuitive, easy to use interface.. .
Centsibly is a personal finance app that gives you unmatched flexibility and control over how you track your money. You decide what’s important and we give you the tools and resources you need to plan for your future.
The app makes it easy to recognize spending patterns, set data-driven goals, develop and grow healthy financial habits, and make smart decisions on the go.. .
Founded by a former Private Banker and paycheck to paycheck survivor, Fisecal is an AdvisorTech start-up focused on helping individuals achieve their version of financial success. Fisecal offers Financial Planning software (delivering personalized Financial Plans 85% faster than traditional Financial Planners), intuitive financial calculators (solving real-world financial issues) and Financial Coaching/Planning services (costing 75% less than comparable services).
If interested in Fisecal’s services or licensing deals, please email [email protected] for more information.. .
Insurance Protection The most important part of preparing for the future is protecting it. Help clients prepare for uncertainty, as they may live too long, die too soon, or become disabled.
They need products that can help them protect the life they’ve built. Retirement Strategies A key to any financial strategy is preparing for retirement.
You’ll be able to offer people a variety of options to help them prepare for their leisure years. Business Solutions Small business owners need financial and insurance solutions for themselves and their employees, and they need to ensure the future security of their business.
As a licensed financial professional, you can offer a variety of products and services to help them meet these needs. Legacy Strategies Without a personal legacy plan, the value of someone’s estate can be eroded by taxes, and the disposition of their assets may not be what they intended.
Families need to be aware of this risk. They need a financial professional who can work with their attorney and tax professional in funding legacy strategies that can include life insurance products.
Long-Term Care Insurance A plan to cover long-term care expenses is often overlooked but can be a key component of a solid financial foundation. Although the need for long-term care may be far into the future for many people, the time to plan for it is now – to help ensure expenses are covered if and when extended care is needed.
Emerio Banque Ltd is an International trade finance and investment firms providing innovative and structured trade finance, letter of credit, bank guarantees, documentary collections, transactional services, payroll services, fixed-term deposits, and payments transfer services to international corporates as well as individual clients with an expert and experienced team of business professionals. If you are a global import/export business and looking for a financial partner to help you accelerate your global business sales as well as resources to streamline your business finance operations, then Emerio Banque is the right place.
Our financial experts possess a fundamental understanding of the way you run your business so that we can provide you the customized and custom-tailored financial services as per your specific solutions. International Trade Finance Instruments By Emerio Banque 1.
Letter of Credit 2. Bank Guarantees 3.
Documentary Collection 4. Lending Services 5.
Investment & Transactional Services Tell us your requirements via mail or by visiting our website. .
Founded in 2020 as the Dutch first Equity Release advisors company, Hipotek leads the market in Equity Release in the Netherlands. Hipotek focusses solely on later life lending and equity release solutions for Dutch seniors (starting at 55) and retirees.
Hipotek was founded with the belief to help Dutch consumers understand the enormous potential of equity release release products. For more information: go to https://www.hipotek.nl/english/.
There are many financial problems involving overspending, financial illiteracy and the lack of a clear financial picture. These are three major issues that continue and are not going anywhere.
SaveMoney will solve these problems by offering a premier PFM app experience, rich gamification that inspires consumers to learn while being entertained, financial literacy video lessons and more.. .
ETFCOOL.com is a software-based advisory investment platform. Our platform applies Modern Portfolio Theory to construct asset allocations that maximize return for each level of portfolio risk.
It builds investment portfolios based on US-traded ETFs and Hong Kong traded ETFs with AI analysis and asset allocation based on the software algorithm to help investors achieve global investment goals. ETFCOOL.com is intended for different types of clients, offering the most appropriate robo investment advisory service as well as robo-asset allocation solution..
AgeUp helps adults support their parents or other loved ones by filling in the financial gaps. AgeUp also lets baby boomers help themselves be financially prepared for a long and healthy life.
AgeUp is an innovative longevity annuity that helps people be ready for the best-case scenario.. .
GoSahi.com, with its customer-centric approach, offers a new and distinct business model for the Indian financial marketplace. Customers are not just able to go through the best offers on the platform, but also benefit from the expert advice of highly qualified and seasoned professionals who help them throughout the loan availing process.
The platform is LIVE with personal loan, instant loans, business loan and home loan with the aim of expanding its lending product range in the near future. The GoSahi.complatform serves as a matchmaker between the credit seekers and lenders in the Indian marketplace.
GoSahi is based on the philosophy of “phygital” which gives freedom to the customer to search and close the process digitally or have the option to search digitally and close the process physically. The business is backed by Preminen Price Comparison Holdings Ltd., an Admiral Group PLC and MAPFRE S.A.
joint venture to expand the price comparison marketplace model internationally. Both these organizations are among the top insurers worldwide and have a presence spanning across 47 countries..
We aim to disrupt the way people discover and manage their subscriptions. We are building an android app that lets you find, track and manage all your subscriptions at one place.
Subzcribe combines user’s financial data with our proprietary machine learning algorithms to find active subscriptions automatically, without any manual tracking. It is built by a young and passionate team of designers and developers.
Building and breaking things are our daily job and we love doing this together.. .
Everyday, millions of people search the internet looking for help with money matters from people they can trust. But search results display more advertisements than links to the financial professionals who are ready to help.
With Wealthtender, people spend less time scrolling through search results and more time finding the right financial professionals and resources to help with their individual needs, including financial advisors, coaches, blogs, podcasts, online courses and community resources.. .
CreditSage is a financial company that offers free credit scores to customers and businesses. we also have our own credit repair/rebuilding method based on utilization tradelines.
CreditSage offer Debt Consolidation/Budgeting tools to help customers become more financially smarter via our software solutions, our software services Real Estate businesses by budget verifying their customers. CreditSage primary credit repairing service is the most effective way of repairing your credit in the market as we add users to authorizers credit, helping their score go up by 30 percent over 6 months to 1 year period..
Exhale Parent has all the legal & financial information new families need, starting with maximizing maternity/paternity leave. New parents have new needs.
Exhale is a platform for parents to discover new needs, self-educate on requirements, and navigate to simple solutions. Exhale Parental is a portal to peace of mind.
We make the intimidating stuff easy!. .
Merrydiv is a dividend tracker app that creates a custom dashboard to see dividend payout month after month. After linking your broker accounts, MerryDiv pulls your holdings directly so you don’t have to update anything.
A graph will show how much dividends you get per month, your diversification by sector/industry and country as well as other stats about your portfolio.. .
Beworth Finance LCC is a personal finance education company launched in January 2019. We offer online courses to help you spend less time worrying about money and more time on the things that matter to you most.
We know a lot of financial information out there can be confusing or boring. Through our easy to understand, online courses, we teach you how to come up with a financial plan that works for you..
Usefirst helps you make your American dream come true with a free personalized financial plan. The app shows you what wealth you can achieve simply by different personalized money management scenarios.
Then it helps you make the right financial decisions. It’s a financial health advisor that makes you wealthier..
Homevine makes it easier for homeowners to track and understand the value of their home in order to make informed financial decisions. With its mobile applications, homeowners can register and validate their home ownership, track the value of their home from multiple providers, and enhance the data used to calculate the home value.
Homevine recommends ways for homeowners to increase the value of their home, leverage their home ownership for financial and other opportunities, and continue to strengthen their financial dream.. .
As you make critical finance decisions, we can help you shape portfolio and business strategies, allocate resources, manage risk, and improve your operating effectiveness and efficiency. Corporate Finance: We help you navigate complex financial decisions and create competitive advantages.
Businesses are regularly presented with complex financial situations and decisions. Some of these situations present valuable opportunities, like allocating resources across the portfolio or acquisitions and expansions.
Other situations may require you to make intelligent trade-offs, like choosing between growth and margins, or reinvesting profits and paying shareholders. Reporting and Analytics: We provide you with financial and non-financial insights to support better decision-making.
We can support you in building an effective and efficient finance function with a wide range of accounting, reporting and analytics services. We can support you in determining, monitoring and disclosing financial and non-financial insights for your stakeholders.
Risk Management: We can help you address and mitigate risk, protect assets, and build a sustainable business. Successful organizations know that risk can come from every angle — upside, downside and outside — and can be hard to see, anticipate and respond to.
We can help you anticipate and navigate these risks, which will help you protect and create value so that you can build a sustainable business that is risk resilient and risk ready. Family Office and Private Business: We provide uniquely tailored solutions that can help with the critical aspects of your family office or private business.
The Prax is a personal finance app that aims to solve the two most important financial tasks in our customers daily lives, spending and saving money. We plan on solving this by building an app that shows you how much you can safely spend every moment of the day and save the left over into a goal you create within the app.
Other features included gameified savings – save $0.50 every time Donald Trump tweets, goal fulfillment – created a goal to buy a car for $25K, we help you find one based on your specification, and 3rd party integrations – attach items from a specific ecommerce site to auto save towards them and then we ship it to you ones you saved for it.. .