Albert

Albert uses artificial intelligence to analyze your bank account and spending history, then builds a budget tailored to your actual habits. It syncs with your accounts automatically and learns your patterns over time, adjusting recommendations as your circumstances change. The app also offers additional money management features like savings tools and bill negotiation assistance.

Best for people who want a hands-off approach while still getting smart insights into their finances. Unlike Mint's static category buckets, Albert adapts as your spending evolves and suggests where you might be overspending based on what's normal for your situation.