How many people use AI for personal finance advice?

2 in 5 Brits have used AI tools like ChatGPT for help with their personal finances.

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Sophie Barber

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It’s hard to go a day without hearing about AI, but how is it being used in the world of personal finance? We carried out some research to see how many people are using tools like ChatGPT and Gemini for personal finance, and what exactly they are using it for – from budgeting to saving to investing.

AI use in personal finance: Highlights

  • In 2025, 2 in 5 Brits (40%), an estimated 21.3 million people, reported using AI for personal finance advice.
  • However, in 2026, reported usage dropped to 3 in 10 (31%), around 16.9 million people.
  • Half of generation Z (50%) reported using AI for finance advice in 2026, but this is down from two-thirds (65%) in 2025.
  • Half of Brits (48%) have now ruled out using AI for their finances, a sharp rise from 36% in 2025.
  • Top reasons for using AI for personal finances in 2026 include side hustle advice (14%), savings advice (12%) and making a budget (12%).
  • 1 in 10 Brits report using AI tools for investing advice and stock tips in 2026.

How many Brits use AI for financial advice?

According to 2025 research by Finder, 2 in 5 Brits (40%) reported using a generative AI tool such as ChatGPT or Gemini for personal finance advice. That’s an estimated 21.3 million people in the UK. In 2026, this dropped to just 3 in 10 Brits (30%) reporting using AI for their personal finances, around 16.9 million people.

The number of Brits opposed to using AI for financial advice has risen sharply. In 2025, 36% of those surveyed said they would not consider chatting to AI about their finances, but this increased to almost half of Brits (48%) just a year later.

How does personal finance AI usage vary by generation?

The younger generations are far more likely to use AI for managing their personal finances compared to the older generations.

It’s most popular amongst Generation Z (age 18-29), with half (50%) saying they use AI for finances. However, usage has decreased since last year, when 65% of this generation reported using AI to help with their finances.

Similarly, 44% of millennials use AI for personal finances, much higher than the older generations. However, this has still come down from 61% in 2025, suggesting a shift away from AI.

In fact, AI usage for personal finance has dropped across all generations in the past year. In 2025, 28% of Gen X reported using it, while in 2026, 24% reported using it. 14% of baby boomers said they used generative AI for their finances in 2025, but this dropped to 11% in 2026.

Generation 2025 2026
Gen Z (18-28) 65% 50%
Millennials (29-44) 61% 44%
Gen X (45-60) 28% 24%
Baby Boomers (61-79) 14% 11%

What are the top financial advice topics people use AI for?

1. Side hustles

Side hustles are becoming increasingly popular in the UK and this is reflected in how people are using AI. 14% of Brits have used AI tools to get tips or advice on their side hustles, whether that’s selling items online, freelancing, tutoring or something else. A further 23% would consider using it in the future.

2. Savings advice

With different account types and ever-changing rates, it can be hard to know what to do with your savings to get the best returns. 12% of Brits admit using AI to help them with savings advice, and a quarter (25%) don’t use it at the moment but would consider future use.

3. Budgeting

The third most popular thing Brits are using AI for in personal finance is budgeting. 12% have already used it to make a personal budget, while 26% don’t currently but would consider using it for this purpose.

4. Credit scores

Brits have also been turning to AI for help with understanding their credit score, and tips on how to improve it, with 12% doing so – and a quarter (25%) saying they may turn to the tool in the future.

5. Pension advice

11% of Brits are also using AI for pension advice. Pensions can be complicated – but many Brits have a private pension through work, so it makes sense that they are looking for convenient and cheap ways to access advice about what to do with that pension.

Other areas

Interestingly, using AI for investing advice was also relatively popular. 1 in 10 Brits (10%) have used it for stocks and shares tips or other investing advice, which may be a concern to some as such decisions come with risk and shouldn’t be taken lightly.

10% of Brits have also used AI for credit card or loans advice or mortgage advice, making these some of the least popular topics. Meanwhile, just 9% of Brits have used AI for tips or advice on cryptocurrency. Though this is the least popular topic, even this small number could be a concern as cryptocurrency is not currently regulated in the UK.

Reason Used it Would consider using it
Making a personal budget 13.7% 23.1%
Tips/advice on starting or managing a side hustle 12.1% 24.5%
Understanding or improving my credit score 12.0% 26.0%
Choosing where to put my savings 11.5% 25.3%
Investment advice / stock tips 11.2% 25.2%
Tips/ advice on cryptocurrency 10.5% 24.1%
Account management and/or help with tax returns 10.2% 24.6%
Pension advice 9.5% 22.3%
Tips for credit card or loans debt management 9.4% 23.0%
Mortgage advice 8.8% 21.2%

Methodology

Finder commissioned Censuswide to conduct this research among a sample of 2,000 nationally representative general respondents (18+). The data was collected between 26.06.2026 – 29.06.2026. Censuswide is a member of the Market Research Society (MRS) and the British Polling Council (BPC), and a signatory of the Global Data Quality Pledge. Censuswide adheres to the MRS Code of Conduct and ESOMAR principles. The online survey has a margin of error of ±2.2% at a 95% confidence level.

Click here for more research. For all media enquiries, please contact –

Sophie Barber
Communications Manager

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Sophie Barber is a senior content marketing manager for Finder in the UK. She has over 5 years experience in writing and publishing clear, concise and informative articles that help consumers make informed decisions. See full bio

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Sophie has written 101 Finder guides across topics including:
  • Personal finance trends and statistics
  • Cost of living and money saving tips
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