Personal Finance Management Market Report 2026

The personal finance management market size has grown strongly in recent years. It will grow from $1.22 billion in 2025 to $1.32 billion in 2026 at a compound annual growth rate (CAGR) of 8.3%. The growth in the historic period can be attributed to increasing smartphone and internet penetration, growing awareness of personal financial planning, expansion of digital banking ecosystems, rising adoption of online financial services, availability of user-friendly finance applications.

The personal finance management market size is expected to see strong growth in the next few years. It will grow to $1.79 billion in 2030 at a compound annual growth rate (CAGR) of 8%. The growth in the forecast period can be attributed to increasing demand for personalized financial insights, rising adoption of predictive analytics in finance, growing focus on long-term wealth planning, expansion of subscription-based finance tools, increasing integration with open banking platforms. Major trends in the forecast period include increasing adoption of ai-based budgeting tools, rising demand for integrated financial dashboards, growing use of mobile-first personal finance platforms, expansion of automated savings and investment features, enhanced focus on financial wellness solutions.

The rising smartphone penetration is expected to drive the growth of the personal finance management market in the coming years. Smartphone penetration refers to the proportion of a population that owns or regularly uses a smartphone within a given region or market. The increase in smartphone penetration is driven by expanded internet connectivity, which provides broader access to digital services, communication, and online content. Smartphones support personal finance management by enabling access to mobile financial applications that allow users to track expenses, manage budgets, and make informed financial decisions anytime and anywhere. For example, in February 2023, a report by Uswitch Limited, a UK-based provider of online and telephone comparison services, indicated that 71.8 million mobile connections were active in 2022. Furthermore, by 2025, the UK population is projected to reach 68.3 million, with 95% expected to own smartphones. Therefore, the rising smartphone penetration is fueling the growth of the personal finance management market.

Companies in the personal finance management market are increasingly developing innovative solutions, such as hybrid finance management platforms, to offer integrated tools for budgeting, investment tracking, and financial planning within a single interface. These platforms combine traditional budgeting capabilities with advanced financial services, including investment oversight, goal setting, and advisory support, to deliver comprehensive personal finance solutions. For instance, in December 2023, Quicken Inc., a US-based financial software provider, launched Quicken Classic Business and Personal for Mac, designed to help Mac users manage both business and personal finances on one platform. The Mac-native solution enables seamless financial oversight, offering features such as integrated account tracking, customizable budgeting and reporting, bill payment, investment monitoring, and specialized tools for rental property management and tax planning.

In November 2024, Bain Capital LP, a US-based investment firm, acquired Envestnet Inc. for $4.5 billion. The acquisition aims to accelerate Envestnet’s growth and solidify its position as a leading wealth technology platform by leveraging its integrated ecosystem to improve financial advisor productivity and deliver enhanced outcomes for clients. Envestnet Inc. is a US-based financial technology company specializing in personal finance management (PFM) solutions.

Major companies operating in the personal finance management market are Intuit Inc., Empower Personal Wealth LLC, Revolut Ltd., Social Finance Inc., Zeta Help Inc., Chime Financial Inc., Quicken Inc., Betterment LLC, Perfios Software Solutions Pvt. Ltd., Albert Inc., Stash Financial Inc., Acorns Grow Inc., Monarch Money Inc., Dayspring Technologies Inc., Spendee A.S., Toshl Inc., Buxfer Inc., CountAbout Corporation, PocketGuard Inc., Vrid Wealth Technology Solutions Pvt Ltd.

North America was the largest region in the personal finance management market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the personal finance management market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the personal finance management market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The personal finance management market consists of revenues earned by entities by providing services such as expense tracking, savings management, and tax planning. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

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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