Money Manager Budget Planner Market Report 2025

The money manager budget planner market size has grown rapidly in recent years. It will grow from $1.77 billion in 2024 to $2.0 billion in 2025 at a compound annual growth rate (CAGR) of 13.3%. The growth during the historic period is driven by increasing smartphone penetration, greater use of digital banking, heightened awareness of personal finance, expanding internet access in emerging markets, and rising demand for household budgeting tools.

The money manager budget planner market size is expected to see rapid growth in the next few years. It will grow to $3.26 billion in 2029 at a compound annual growth rate (CAGR) of 13%. In the forecast period, growth is expected to result from a stronger focus on financial wellness, deeper integration with digital payment platforms, increased adoption by Gen Z and millennials, growing fintech collaborations, and a rising preference for subscription-based models. Key trends anticipated include the development of AI-powered budgeting tools, increased investment in research and development, AI-driven personalization and predictive budgeting features, expansion into comprehensive financial wellness solutions, and the gamification of budgeting applications.

The growing global transition toward digital finance is expected to drive the expansion of the money manager budget planner market. Digital finance involves integrating financial services with digital technologies, allowing users to access and manage financial activities through electronic platforms. This shift is accelerating due to rising internet penetration and smartphone adoption, which provide individuals - especially in remote or underserved areas - with greater access to financial tools and services. Money manager budget planners facilitate this digital finance trend by centralizing real-time tracking of income, spending, and savings, automating budgeting, and offering mobile access to enable smarter decision-making through visual insights and simplified planning. For example, in January 2024, the European Central Bank reported that contactless card payments in Germany increased by 24.3% to 20.9 billion in the first half of 2023 compared to the same period in 2022, with the total transaction value rising by 25.9% to $545.27 billion. Hence, the rising global adoption of digital finance is propelling growth in the money manager budget planner market.

Leading companies in the money manager budget planner market are developing sophisticated personal financial management platforms that enhance budgeting and decision-making through automation and personalized recommendations. These platforms enable users to organize and monitor income, expenses, savings, and investments in one place, supporting budgeting, goal tracking, real-time insights, and alerts to encourage better financial decisions. For instance, in July 2024, India-based fintech company CRED launched CRED Money, which offers a unified view of balances, transactions, and spending patterns across bank accounts, converting data into actionable insights. Users can analyze spending by merchant or category to better understand their financial behavior. The platform operates on India’s account aggregator (AA) framework, allowing consumers to securely and encryptedly share bank account information between authorized organizations, empowering citizens with control over their data as part of India’s digital public infrastructure.

In August 2023, Sweden-based open banking platform Tink partnered with Ireland’s An Post to provide free money management services to all customers across Ireland. This partnership aims to improve financial well-being by delivering tools for budgeting, expense tracking, and financial insights powered by open banking technology. An Post offers money management solutions that assist users in monitoring spending, setting budgets, and managing finances effectively.

Major players in the money manager budget planner market are SoFi Technologies Inc., Ramsey Solutions LLC, Plum Fintech Ltd., Cleo AI Ltd., ET Money, Albert Corporation, Monese Ltd., Monarch Money Inc., Emma Technologies Ltd., Toshl Inc., SPENDEE a.s., PocketSmith Ltd., BudgetBakers s.r.o., Money Lover, PocketGuard Inc., CountAbout Corporation, The Infinite Kind Ltd., IGG Software Inc., Buxfer Inc., Tiller Money Inc., and Lunchbag Labs Inc.

North America was the largest region in the money manager budget planner market in 2024. The regions covered in money manager budget planner report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa. The countries covered in the money manager budget planner market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report’s recommendations and conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The rapid escalation of U.S. tariffs and the resulting trade tensions in spring 2025 are significantly impacting the financial sector, particularly in investment strategies and risk management. Heightened tariffs have fueled market volatility, prompting cautious behavior among institutional investors and increasing demand for hedging instruments. Banks and asset managers are facing higher costs associated with cross-border transactions, as tariffs disrupt global supply chains and dampen corporate earnings, key drivers of equity market performance. Insurance companies, meanwhile, are grappling with increased claims risks tied to supply chain disruptions and trade-related business losses. Additionally, reduced consumer spending and weakened export demand are constraining credit growth and investment appetite. The sector must now prioritize diversification, digital transformation, and robust scenario planning to navigate the heightened economic uncertainty and protect profitability.

A money manager budget planner is a tool designed to help individuals or families organize their finances by monitoring income, expenses, savings, and debts all in one place. It enables users to create budgets, categorize their spending, and analyze financial habits. Its primary purpose is to improve money management, avoid overspending, and reach savings goals. With visual reports and summaries, it facilitates smarter and more informed financial decisions.

The main types of money manager budget planners include mobile apps, desktop software, and web-based tools. Mobile apps provide user-friendly budget planning on Android and iOS, featuring real-time expense tracking, savings goals, and bank synchronization for convenient money management on the move. These tools are distributed through various channels such as online stores and retail outlets, serving multiple purposes such as personal and business use, and are utilized by a range of end-users including individuals, small and medium enterprises, and large enterprises.

The money manager budget planner market research report is one of a series of new reports that provides money manager budget planner market statistics, including the money manager budget planner industry global market size, regional shares, competitors with the money manager budget planner market share, detailed money manager budget planner market segments, market trends, opportunities, and any further data you may need to thrive in the money manager budget planner industry. This money manager budget planner market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenarios of the industry.

The money manager budget planner market consists of revenues earned by entities by providing services such as expense tracking, income management, bill reminders and payment tracking, and savings goal setting. 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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