세계의 퍼스널 파이낸싱 소프트웨어 시장 : 규모, 점유율, 성장 및 산업 분석, 유형별, 용도별, 지역별 인사이트 및 예측(2024-2032년)

Growth Factors of personal finance software Market

The global personal finance software market continues to expand rapidly as consumers increasingly rely on digital tools to manage their budgets, banking, investments, and overall financial well-being. According to the 2024 industry assessment, the market size stood at USD 1.28 billion in 2024, supported by rising financial literacy, digital adoption, and the growing need for real-time financial visibility. The market is projected to grow to USD 1.35 billion in 2025, eventually reaching USD 2.19 billion by 2032, reflecting a strong CAGR of 7.2% over the forecast period. In 2024, North America led the global market with a 33.59% share, driven by widespread use of financial apps and innovations in fintech.

Digital Transformation Accelerating Market Growth

The personal finance software market has matured significantly as fintech advancements reshape how individuals and small businesses monitor and plan their finances. Mobile apps and cloud-based tools now enable users to track expenses, manage bill payments, analyze investments, and automate savings anytime and anywhere. Companies such as Quicken Inc., The Infinite Kind, Buxfer Inc., Doxo Inc., and You Need A Budget LLC have expanded their offerings to meet evolving consumer expectations. Meanwhile, financial technology partnerships continue to enhance service capabilities. For example, in August 2024, Galileo Financial Technologies enabled partners to integrate MasterCard's Smart Data analytics platform, strengthening enterprise expense management.

The COVID-19 pandemic further accelerated digital finance adoption as users sought remote tools to manage accounts, credit cards, savings, and investments, contributing to a positive market trajectory.

Impact of Generative AI: A Transformative Force

Generative AI is shaping the future of personal finance by enabling automated budgeting, investment insights, credit management, and personalized recommendations. Tools like Google Gemini, Cleo, and ChatGPT have become integral to financial planning. According to Cleo's 2024 AI & Money Report, 74% of Gen Z and Millennials are open to using AI-powered financial tools, while 57% of U.S. adults aged 18-24 are already saving for retirement with AI assistance. Experian's 2024 survey also found that 67% of Gen Z and 62% of Millennials used AI for budgeting (60%), investment planning (48%), and improving credit scores (48%). These shifts highlight growing user confidence in digital advisory technologies.

Market Drivers

1. Rapid Adoption of Mobile Banking

Mobile banking has transformed financial behavior globally. Fintech companies and neobanks have expanded digital banking solutions, prompting traditional banks to launch innovative financial tools. In January 2025, Abu Dhabi Islamic Bank launched the UAE's first personal finance management tool-ADIB Money Management Tracker-offering users enhanced control over financial activities.

2. Rise of Fintech Ecosystems

Emerging technologies such as blockchain, AI, machine learning, and automated investment tools are contributing to market expansion. These innovations open new pathways for decentralized financial services and personalized money management.

Market Restraints

Cybersecurity Threats

With growing digital transactions, risks related to identity theft, phishing, and online fraud have intensified. For instance, VMware reported a 238% rise in cyberattacks on financial institutions in early 2020, while the average cost of a financial sector data breach reached USD 5.72 million (IBM & Ponemon Institute). These threats discourage some users from adopting financial software, especially in cloud-based environments.

Market Opportunities

Growing Adoption in Developing Economies

Emerging markets in Asia Pacific, South America, and the Middle East & Africa provide substantial growth opportunities. Increased smartphone penetration and expanding internet access are enabling greater adoption of digital personal finance tools. AI and machine learning also enhance financial risk assessment and planning capabilities across institutions in developing regions.

Regional Landscape

North America recorded USD 0.43 billion in 2024, supported by strong fintech penetration and financial education initiatives. Asia Pacific is set to grow fastest, with the regional market expected to reach USD 0.28 billion in 2025, driven by digital banking adoption in China, India, and Japan. Europe is forecast to reach USD 0.33 billion in 2025, reflecting strong interest in budgeting and planning apps. South America and the Middle East & Africa will grow steadily as digital literacy and mobile adoption rise.

Competitive Landscape

Key players include Quicken Inc., The Infinite Kind, YNAB, Buxfer Inc., Doxo Inc., Money Dashboard, Moneyspire Inc., Spendee, Personal Capital, Banktivity, Finicity, PayU, PayPal, PocketSmith, and others. Product expansions, acquisitions, and AI-driven innovation remain core strategic priorities. For example, Moneyspire's 2025 version introduced enhanced budgeting and reporting features, while Doxo launched doxoBILLS, enabling secure bill payments to over 120,000 billers.

Segmentation By Tool

• Budgeting Software
• Tax Management Software
• Retirement Planning Software
• Investment Tracking Software
• Others (Payment Software, etc.)

By Type

• Web-based
• Mobile-based

By Deployment

• Cloud
• On-premise

By End-user

• Small Business Users
• Individual Consumers

By Region

• North America (By Tool, By Type, By Deployment, By End-user, and By Country)
  • U.S.
  • Canada
  • Mexico
• South America (By Tool, By Type, By Deployment, By End-user, and By Country)
  • Brazil
  • Argentina
  • Rest of South America
• Europe (By Tool, By Type, By Deployment, By End-user, and By Country)
  • U.K.
  • Germany
  • France
  • Italy
  • Spain
  • Russia
  • Benelux
  • Nordics
  • Rest of Europe
• Middle East and Africa (By Tool, By Type, By Deployment, By End-user, and By Country)
  • Turkey
  • Israel
  • GCC
  • North Africa
  • South Africa
  • Rest of MEA
• Asia Pacific (By Tool, By Type, By Deployment, By End-user, and By Country)
  • China
  • India
  • Japan
  • South Korea
  • ASEAN
  • Oceania
  • Rest of Asia Pacific

Companies Profiled in the Report Quicken Inc. (U.S.), The Infinite Kind (Scotland), You Need A Budget LLC (U.S.), Buxfer Inc. (U.S.), Doxo Inc. (U.S.), Money Dashboard Limited (U.K.), Moneyspire Inc. (U.S.), Personal Capital Corp. (U.S.), Pocket Smith Ltd. (New Zealand), and Paypal Inc. (U.S.).

Table of Content

1. Introduction

• 1.1. Definition, By Segment
• 1.2. Research Methodology/Approach
• 1.3. Data Sources

2. Executive Summary

3. Market Dynamics

• 3.1. Macro and Micro Economic Indicators
• 3.2. Drivers, Restraints, Opportunities and Trends
• 3.3. Impact of Generative AI

4. Competition Landscape

• 4.1. Business Strategies Adopted by Key Players
• 4.2. Consolidated SWOT Analysis of Key Players
• 4.3. Global Personal Finance Software Key Players (Top 3-5) Market Share/Ranking, 2024

5. Global Personal Finance Software Market Size Estimates and Forecasts, By Segments, 2019-2032

• 5.1. Key Findings
• 5.2. By Tool (USD)
  • 5.2.1. Budgeting Software
  • 5.2.2. Tax Management Software
  • 5.2.3. Retirement Planning Software
  • 5.2.4. Investment Tracking Software
  • 5.2.5. Others (Payment Software, etc.)
• 5.3. By Type (USD)
  • 5.3.1. Web-based
  • 5.3.2. Mobile-based
• 5.4. By Deployment (USD)
  • 5.4.1. Cloud
  • 5.4.2. On-premise
• 5.5. By End-user (USD)
  • 5.5.1. Small Businesses Users
  • 5.5.2. Individual Consumers
• 5.6. By Region (USD)
  • 5.6.1. North America
  • 5.6.2. South America
  • 5.6.3. Europe
  • 5.6.4. Middle East & Africa
  • 5.6.5. Asia Pacific

6. North America Personal Finance Software Market Size Estimates and Forecasts, By Segments, 2019-2032

• 6.1. Key Findings
• 6.2. By Tool (USD)
  • 6.2.1. Budgeting Software
  • 6.2.2. Tax Management Software
  • 6.2.3. Retirement Planning Software
  • 6.2.4. Investment Tracking Software
  • 6.2.5. Others
• 6.3. By Type (USD)
  • 6.3.1. Web-based
  • 6.3.2. Mobile-based
• 6.4. By Deployment (USD)
  • 6.4.1. Cloud
  • 6.4.2. On-premise
• 6.5. By End-user (USD)
  • 6.5.1. Small Businesses Users
  • 6.5.2. Individual Consumers
• 6.6. By Country (USD)
  • 6.6.1. United States
  • 6.6.2. Canada
  • 6.6.3. Mexico

7. South America Personal Finance Software Market Size Estimates and Forecasts, By Segments, 2019-2032

• 7.1. Key Findings
• 7.2. By Tool (USD)
  • 7.2.1. Budgeting Software
  • 7.2.2. Tax Management Software
  • 7.2.3. Retirement Planning Software
  • 7.2.4. Investment Tracking Software
  • 7.2.5. Others
• 7.3. By Type (USD)
  • 7.3.1. Web-based
  • 7.3.2. Mobile-based
• 7.4. By Deployment (USD)
  • 7.4.1. Cloud
  • 7.4.2. On-premise
• 7.5. By End-user (USD)
  • 7.5.1. Small Businesses Users
  • 7.5.2. Individual Consumers
• 7.6. By Country (USD)
  • 7.6.1. Brazil
  • 7.6.2. Argentina
  • 7.6.3. Rest of South America

8. Europe Personal Finance Software Market Size Estimates and Forecasts, By Segments, 2019-2032

• 8.1. Key Findings
• 8.2. By Tool (USD)
  • 8.2.1. Budgeting Software
  • 8.2.2. Tax Management Software
  • 8.2.3. Retirement Planning Software
  • 8.2.4. Investment Tracking Software
  • 8.2.5. Others
• 8.3. By Type (USD)
  • 8.3.1. Web-based
  • 8.3.2. Mobile-based
• 8.4. By Deployment (USD)
  • 8.4.1. Cloud
  • 8.4.2. On-premise
• 8.5. By End-user (USD)
  • 8.5.1. Small Businesses Users
  • 8.5.2. Individual Consumers
• 8.6. By Country (USD)
  • 8.6.1. United Kingdom
  • 8.6.2. Germany
  • 8.6.3. France
  • 8.6.4. Italy
  • 8.6.5. Spain
  • 8.6.6. Russia
  • 8.6.7. Benelux
  • 8.6.8. Nordics
  • 8.6.9. Rest of Europe

9. Middle East and Africa Personal Finance Software Market Size Estimates and Forecasts, By Segments, 2019-2032

• 9.1. Key Findings
• 9.2. By Tool (USD)
  • 9.2.1. Budgeting Software
  • 9.2.2. Tax Management Software
  • 9.2.3. Retirement Planning Software
  • 9.2.4. Investment Tracking Software
  • 9.2.5. Others
• 9.3. By Type (USD)
  • 9.3.1. Web-based
  • 9.3.2. Mobile-based
• 9.4. By Deployment (USD)
  • 9.4.1. Cloud
  • 9.4.2. On-premise
• 9.5. By End-user (USD)
  • 9.5.1. Small Businesses Users
  • 9.5.2. Individual Consumers
• 9.6. By Country (USD)
  • 9.6.1. Turkey
  • 9.6.2. Israel
  • 9.6.3. GCC
  • 9.6.4. North Africa
  • 9.6.5. South Africa
  • 9.6.6. Rest of MEA

10. Asia Pacific Personal Finance Software Market Size Estimates and Forecasts, By Segments, 2019-2032

• 10.1. Key Findings
• 10.2. By Tool (USD)
  • 10.2.1. Budgeting Software
  • 10.2.2. Tax Management Software
  • 10.2.3. Retirement Planning Software
  • 10.2.4. Investment Tracking Software
  • 10.2.5. Others
• 10.3. By Type (USD)
  • 10.3.1. Web-based
  • 10.3.2. Mobile-based
• 10.4. By Deployment (USD)
  • 10.4.1. Cloud
  • 10.4.2. On-premise
• 10.5. By End-user (USD)
  • 10.5.1. Small Businesses Users
  • 10.5.2. Individual Consumers
• 10.6. By Country (USD)
  • 10.6.1. China
  • 10.6.2. India
  • 10.6.3. Japan
  • 10.6.4. South Korea
  • 10.6.5. ASEAN
  • 10.6.6. Oceania
  • 10.6.7. Rest of Asia Pacific

11. Companies Profiled (Based on data availability in public domain and/or on paid databases)

• 11.1. Quicken Inc.
  • 11.1.1. Overview
    • 11.1.1.1. Key Management
    • 11.1.1.2. Headquarters
    • 11.1.1.3. Offerings/Business Segments
  • 11.1.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.1.2.1. Employee Size
    • 11.1.2.2. Past and Current Revenue
    • 11.1.2.3. Geographical Share
    • 11.1.2.4. Business Segment Share
    • 11.1.2.5. Recent Developments
• 11.2. The Infinite Kind
  • 11.2.1. Overview
    • 11.2.1.1. Key Management
    • 11.2.1.2. Headquarters
    • 11.2.1.3. Offerings/Business Segments
  • 11.2.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.2.2.1. Employee Size
    • 11.2.2.2. Past and Current Revenue
    • 11.2.2.3. Geographical Share
    • 11.2.2.4. Business Segment Share
    • 11.2.2.5. Recent Developments
• 11.3. You Need A Budget LLC
  • 11.3.1. Overview
    • 11.3.1.1. Key Management
    • 11.3.1.2. Headquarters
    • 11.3.1.3. Offerings/Business Segments
  • 11.3.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.3.2.1. Employee Size
    • 11.3.2.2. Past and Current Revenue
    • 11.3.2.3. Geographical Share
    • 11.3.2.4. Business Segment Share
    • 11.3.2.5. Recent Developments
• 11.4. Buxfer Inc.
  • 11.4.1. Overview
    • 11.4.1.1. Key Management
    • 11.4.1.2. Headquarters
    • 11.4.1.3. Offerings/Business Segments
  • 11.4.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.4.2.1. Employee Size
    • 11.4.2.2. Past and Current Revenue
    • 11.4.2.3. Geographical Share
    • 11.4.2.4. Business Segment Share
    • 11.4.2.5. Recent Developments
• 11.5. Doxo Inc.
  • 11.5.1. Overview
    • 11.5.1.1. Key Management
    • 11.5.1.2. Headquarters
    • 11.5.1.3. Offerings/Business Segments
  • 11.5.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.5.2.1. Employee Size
    • 11.5.2.2. Past and Current Revenue
    • 11.5.2.3. Geographical Share
    • 11.5.2.4. Business Segment Share
    • 11.5.2.5. Recent Developments
• 11.6. Money Dashboard Limited
  • 11.6.1. Overview
    • 11.6.1.1. Key Management
    • 11.6.1.2. Headquarters
    • 11.6.1.3. Offerings/Business Segments
  • 11.6.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.6.2.1. Employee Size
    • 11.6.2.2. Past and Current Revenue
    • 11.6.2.3. Geographical Share
    • 11.6.2.4. Business Segment Share
    • 11.6.2.5. Recent Developments
• 11.7. Moneyspire Inc.
  • 11.7.1. Overview
    • 11.7.1.1. Key Management
    • 11.7.1.2. Headquarters
    • 11.7.1.3. Offerings/Business Segments
  • 11.7.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.7.2.1. Employee Size
    • 11.7.2.2. Past and Current Revenue
    • 11.7.2.3. Geographical Share
    • 11.7.2.4. Business Segment Share
    • 11.7.2.5. Recent Developments
• 11.8. Personal Capital Corp.
  • 11.8.1. Overview
    • 11.8.1.1. Key Management
    • 11.8.1.2. Headquarters
    • 11.8.1.3. Offerings/Business Segments
  • 11.8.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.8.2.1. Employee Size
    • 11.8.2.2. Past and Current Revenue
    • 11.8.2.3. Geographical Share
    • 11.8.2.4. Business Segment Share
    • 11.8.2.5. Recent Developments
• 11.9. Pocket Smith Ltd.
  • 11.9.1. Overview
    • 11.9.1.1. Key Management
    • 11.9.1.2. Headquarters
    • 11.9.1.3. Offerings/Business Segments
  • 11.9.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.9.2.1. Employee Size
    • 11.9.2.2. Past and Current Revenue
    • 11.9.2.3. Geographical Share
    • 11.9.2.4. Business Segment Share
    • 11.9.2.5. Recent Developments
• 11.10. PayPal Inc.
  • 11.10.1. Overview
    • 11.10.1.1. Key Management
    • 11.10.1.2. Headquarters
    • 11.10.1.3. Offerings/Business Segments
  • 11.10.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.10.2.1. Employee Size
    • 11.10.2.2. Past and Current Revenue
    • 11.10.2.3. Geographical Share
    • 11.10.2.4. Business Segment Share
    • 11.10.2.5. Recent Developments

12. Key Takeaways