69 Best Personal Finance Startups to Watch in 2025

The Definitive Seedtable Ranking of Personal Finance Startups

We track 71,000+ companies and rank them dynamically using our Seedtable Score – a score that uses quantitative and qualitative data points to signal the momentum behind a company. We then monitor the list manually leveraging our expertise as founders and investors.

There are 230 start-ups with an aggregate funding of $16.7b. The average funding per company in this subset is $241.5m.

Last update to the database: Feb 18, 2025. See changelog.

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Personetics Technologies logo

Personetics Technologies

Personetics' self-driving finance platform for banks to anticipate a customer's personalized banking needs through artificial intelligence.

3

Funding Rounds

$93.0m

Money raised

Prosper logo

Prosper

Prosper is an online peer-to-peer lending marketplace connecting people who want to borrow money with individuals and institutions who want to lend money.

9

Funding Rounds

$312.9m

Money raised

Tala (company) logo

Tala (company)

Tala is a financial technology company with a mobile application to manage personal loan. Founded in 2011 and has headquarters in Santa Monica, California.

9

Funding Rounds

$363.2m

Money raised

Starling Bank logo

Starling Bank

Starling is an UK-based mobile-first digital banking startup.

10

Funding Rounds

$1.1b

Money raised

SmartAsset logo

SmartAsset

SmartAsset is a financial technology company that provides automated personalized financial advice. It participated in the S12 cohort of Y Combinator.

8

Funding Rounds

$161.4m

Money raised

MoneyLion logo

MoneyLion

MoneyLion is a mobile banking platform for borrowing, saving, and investing.

6

Funding Rounds

$324.5m

Money raised

Branch (finance company) logo

Branch (finance company)

Branch offers microloans through a free-to-download Android app in emerging markets.

11

Funding Rounds

$588.7m

Money raised

Creditas logo

Creditas

Creditas is a Brazilian financial technology firm offering secured consumer loans.

11

Funding Rounds

$2.4b

Money raised

Fabric (insurance company) logo

Fabric (insurance company)

Fabric Insurance is a Brooklyn-based digital insurance broker.

4

Funding Rounds

$89.0m

Money raised

Happy Money logo

Happy Money

Happy Money is the only financial company that combines psychology and money to help people live happier lives. We believe in long-term relationships with people, meeting them at every stage of their financial life, and maximizing their happiness along the way. What other financial products keep missing are the people. While they're focused solely on the numbers, we're focused on the intersection between a person's psychology and how they make financial decisions. Our team of research and clinical psychologists, data scientists, neuroscientists, designers, technology experts and financial services professionals, along with partners of the Happy Money Movement, work together to provide three primary experiences: Payoff, Joy and the Happy Money Score.

6

Funding Rounds

$189.9m

Money raised

Zopa logo

Zopa

Zopa is a peer-to-peer lending platform founded in 2005 by Giles Andrews.

14

Funding Rounds

$1.2b

Money raised

GuiaBolso logo

GuiaBolso

GuiaBolso is a personal finance platform automatically aggregating people's financial information who also offer credit and investment products.

6

Funding Rounds

$56.0m

Money raised

Propel (company) logo

Propel (company)

Propel builds software dedicated to helping low-income Americans improve their financial health with technology.

3

Funding Rounds

$66.8m

Money raised

Petal logo

Petal

Petal is a credit card company based in New York.

6

Funding Rounds

$275.6m

Money raised

Human Interest logo

Human Interest

Human Interest (formerly Captain 401) is a company that participated in the S15 cohort of Y Combinator. It offers 401(k) retirement plans for small businesses and startups. It was founded in 2015 and is located in San Francisco, California.

8

Funding Rounds

$335.8m

Money raised

LearnVest logo

LearnVest

LearnVest is a Northwestern Mutual program acquisition that aims to make financial planning more accessible.

5

Funding Rounds

$69.0m

Money raised

BailPort logo

BailPort

BailPort is a mobile wallet solution offering intra-Africa cross-border and in-country money transfers with multi-currencies to provide access to cryptocurrency, personal loans, and travel insurance.

1

Funding Rounds

$20.0k

Money raised

PayJoy logo

PayJoy

PayJoy is a software development company offering a mobile digital platform to purchase new smartphones and receive loans using their smartphone as collateral.

10

Funding Rounds

$91.2m

Money raised

Cushion (company) logo

Cushion (company)

A financial service software company that aids users in preventing or refunding bank fees that users may incurred. It is located in San Francisco, California and was founded in 2016.

8

Funding Rounds

$37.1m

Money raised

Minna Technologies logo

Minna Technologies

World\'s leading subscription management platform - ready to integrate with retail banks.

3

Funding Rounds

$41.9m

Money raised

BankBazaar logo

BankBazaar

BankBazaar is a Chennai-based company offering comparison and choice of insurance and financial products.

6

Funding Rounds

$115.0m

Money raised

Nutmeg (company) logo

Nutmeg (company)

Nutmeg is an online investment service that specializes in investments, ISAs and pensions.Nutmeg is an online investment service that specializes in investments, ISAs and pensions.

7

Funding Rounds

$153.4m

Money raised

Konfio logo

Konfio

Konfío is one of the 250 Top Fintechs in the world, according to CB Insights. We are the largest online lending platform for Small and Medium Businesses in Mexico.

12

Funding Rounds

$771.9m

Money raised

Cedar logo

Cedar

Cedar is a company founded in 2016 by Arel Lidow.

5

Funding Rounds

$351.0m

Money raised

Betterment (company) logo

Betterment (company)

An online-investment adviser registered by the u.s. securities and exchange commission

8

Funding Rounds

$435.0m

Money raised

Plum (finance company) logo

Plum (finance company)

Plum is the AI assistant that boosts your bank balance. It analyses your income and outgoings and automatically sets small safe amounts of money aside for you. You can also invest* in hand-picked funds and switch your bills to better deals instantly. We estimate that, with the help of Plum, you can be ᅢï3⁄4'ï¿'ï3⁄4£186k better off over your lifetime! So how does Plum work? (1) Link your current account: Plum analyses your account so it can learn about your income, expenses and spending patterns. Your data is safe with us œ we employ bank-grade security and work with the main UK banks and challengers like Monzo and Revolut. (2) Plum sets money aside for you: Plum monitors your current account and every few days moves some money, if you can afford to, to your Plum account. You can access that money instantly at any time, so you don't have to worry about unexpected expenses. (3) Chat with Plum: Plum notifies you about your balance, gives you super-fast access to your money and offers tips on how to save more. Plum is available on iOS and Android. You can find out more at https://withplum.com/ *Capital invested is at risk and not FSCS protected

7

Funding Rounds

$73.0m

Money raised

Cleo logo

Cleo

Cleo is a fintech company providing an application for personal finance management.

5

Funding Rounds

$101.3m

Money raised

Rocket Money logo

Rocket Money

Rocket Money, formerly Truebill, is a mobile application for finance management.

4

Funding Rounds

$82.0m

Money raised

Mosabi logo

Mosabi

Mosabi is a Delaware City, Delaware-based financial education company.

3

Funding Rounds

M1 Finance logo

M1 Finance

M1 Finance is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. M1 Finance currently accepts to open mobile bank accounts for residents of United States.

6

Funding Rounds

$323.2m

Money raised

LearnLux logo

LearnLux

LearnLux provides a United States-based personal finance education and planning platform for Millennials.

3

Funding Rounds

$10.2m

Money raised

Penfold (company) logo

Penfold (company)

Penfold is a London-based company focusing on pension management, offering a smartphone app for pension tracking.

6

Funding Rounds

$22.7m

Money raised

Grove (finance company) logo

Grove (finance company)

Grove is a company that offers personal financial services.

3

Funding Rounds

$10.1m

Money raised

Finicity logo

Finicity

A company offering a suite of APIs for developers working with financial management, payment, and credit software.

4

Funding Rounds

$499.9m

Money raised

Credit Sesame logo

Credit Sesame

Credit Sesame is a Sunnyvale, California-based personal finance company and online tool to help people save money on mortgages and loans.

9

Funding Rounds

$214.4m

Money raised

Capital Float (company) logo

Capital Float (company)

Capital Float is a Bangalore-based online platform providing working capital financing to small and medium enterprises in India.

12

Funding Rounds

$202.0m

Money raised

Splitwise logo

Splitwise

Splitwise is a company founded in 2011 by Jonathan Bittner, Marshall Weir and Ryan Laughlin.

1

Funding Rounds

$20.0m

Money raised

Credit Karma logo

Credit Karma

Credit Karma is a personal finance company providing finances and credit information to improve its members financial standing.

8

Funding Rounds

$868.0m

Money raised

Freetrade logo

Freetrade

Freetrade is a UK-based stock trading application.

3

Funding Rounds

$132.0m

Money raised

Scalable Capital logo

Scalable Capital

Scalable Capital is a digital investment and asset management service founded in 2014.

3

Funding Rounds

$150.9m

Money raised

Lunar (neobank) logo

Lunar (neobank)

Lunar is a neobank based in Denmark offering Personal accounts, Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Lunar currently accepts to open mobile bank accounts for residents of Denmark, Norway.

21

Funding Rounds

$1.2b

Money raised

Fair Go Finance logo

Fair Go Finance

Fair Go Finance offers personal loans online.

1

Funding Rounds

$13.6m

Money raised

Dianrong logo

Dianrong

Dianrong is a Shanghai-based peer-to-peer lending marketplace where users can invest in other people or small businesses, or individuals or businesses can find financial support.

9

Funding Rounds

$727.0m

Money raised

Simple logo

Simple

Founded in 2009 and based in Portland, Oregon, Simple combines innovative technology, impeccable user experience, and expertise in behavioral economics to help customers spend smarter and save more. Acquired by BBVA.

4

Funding Rounds

$15.3m

Money raised

DriveWealth (company) logo

DriveWealth (company)

DriveWealth partners with global financial institutions, brokers, app developers, and technology companies to give everyone, everywhere the ability to open a US-based brokerage account and invest for their financial futures. Partners of DriveWealth can offer their customers the ability to invest in the US equities market through our robust set of FIX and RESTful APIs or our custom branded product solution.

7

Funding Rounds

$571.8m

Money raised

Credible logo

Credible

Credible is a student loan marketplace founded in 2012 by Stephen Dash.

6

Funding Rounds

$25.3m

Money raised

Stack (finance company) logo

Stack (finance company)

Stack, also known as Stack Finance, is a Bengaluru, India-based mobile application company developing a personal finance application to help users budget.

2

Funding Rounds

$3.0m

Money raised

Pynk logo

Pynk

Pynk is a company that provides a game-changing investment platform that is built for everyday people.

4

Funding Rounds

$4.9m

Money raised

Scripted (company) logo

Scripted (company)

Scripted is a company founded in 2011.

3

Funding Rounds

$5.5m

Money raised

Stash (company) logo

Stash (company)

Stash is a New York City-based digital investing and banking platform.

13

Funding Rounds

$531.2m

Money raised

Stockpile (company) logo

Stockpile (company)

Stockpile is a Palo Alto, California-based mobile application for beginners and children to learn about stocks, investing in stocks or gifting stocks.

4

Funding Rounds

$45.0m

Money raised

SalaryFinance logo

SalaryFinance

SalaryFinance is a company founded in 2015.

5

Funding Rounds

$275.6m

Money raised

ClickIPO logo

ClickIPO

A company offering a platform for retail distribution optimization of initial public offerings (IPOs) and secondary offerings.

1

Funding Rounds

$3.0m

Money raised

Homebot logo

Homebot

Homebot is a client-for-life portal that maximizes repeat and referral business for lenders and real estate agents by empowering consumers to build wealth through homeownership. The award-winning portal delivers personalized, actionable intelligence throughout the entire homeownership lifecycle to every client and prospect. With an average 50% monthly engagement rate, Homebot ensures lenders and agents remain the trusted advisors consumers rely on to make informed decisions about the largest asset they may ever own, their home.

1

Funding Rounds

$4.5m

Money raised

Cryptact logo

Cryptact

Cryptact is a company founded in 2018 by Masuda Shunsuke.

5

Funding Rounds

$8.5m

Money raised

Tuition.io logo

Tuition.io

Tuition.io is a education assistance suite for employers.

2

Funding Rounds

$8.0m

Money raised

Albert (finance company) logo

Albert (finance company)

Albert is the first financial service of its kind a team of human financial experts at your fingertips. Our geniuses find savings youre missing, identify bills youre overpaying, help you pay down debt faster, save automatically for you, and much more. Text Albert a financial question, and well not only offer guidance but help you make it happen. Backed by top tier investors including QED, American Express Ventures, Portag3, and Bessemer, were changing the way our generation makes financial decisions. Were on a mission to improve the financial lives of millions of people with a beautifully designed, simple product.

4

Funding Rounds

$310.0m

Money raised

Zabo (company) logo

Zabo (company)

Zabo is a cryptocurrency data aggregation company.

2

Funding Rounds

$3.7m

Money raised

Moven logo

Moven

Moven is a company founded in 2011 by Richard Nearn, Alex Sion and Brett King.

5

Funding Rounds

$47.4m

Money raised

Moneybox logo

Moneybox

Moneybox is helping a generation invest for their future. Our award-winning app makes it easy for people to take the first step and then provides the tools and information they need to confidently work towards their financial goals.

3

Funding Rounds

$151.8m

Money raised

Bloom Credit logo

Bloom Credit

Bloom Credit is a company founded in 2016 by Matt Harris.

4

Funding Rounds

$29.9m

Money raised

Dyme logo

Dyme

Dyme is an all-in-one subscription-based financial platform founded in 2018 by David Knap, David Schogt, Joran Iedema and Wouter Florijn.

6

Funding Rounds

$726.1k

Money raised

SESAMm logo

SESAMm

SESAMm is a Paris-based software development company utilizing artificial intelligence to develop financial software designed to provide ESG, sentiment, and thematic analytics for investors.

5

Funding Rounds

$60.1m

Money raised

pariti logo

pariti

pariti was a London-based money management mobile application and platform working to provide users a simplified view of their wealth and plans for improvement.

1

Funding Rounds

$750.0k

Money raised

Bonafide logo

Bonafide

Bonafide is a company founded in 2011 by Mike Greenfield.

1

Funding Rounds

$850.0k

Money raised

Atlas logo

Atlas

Atlas is a San Francisco-based company founded in 2019 by Patrick Mrozowski.

3

Funding Rounds

$43.0m

Money raised

Blippy logo

Blippy

Blippy is a San Francisco-based personal finance company founded in 2002 by Chris Estreich, Ashvin Kumar and Philip Kaplan.

2

Funding Rounds

$12.9m

Money raised

Getsafe logo

Getsafe

Getsafe is an insurance company founded in 2015 by Marius Blaesing.

5

Funding Rounds

$160.0m

Money raised

River Financial logo

River Financial

River Financial is a Bitcoin financial institution allowing long-term investors to buy, sell, and manage Bitcoin.

2

Funding Rounds

$17.7m

Money raised