Personal Finance Apps Global Market Report 2024

Description

Personal finance apps are software applications designed to assist individuals in managing their personal finances. Available for installation on smartphones, tablets, or computers, these apps offer a range of features to help users track and manage their money.

The main types of personal finance apps are Android, iOS, and web-based. Android personal finance apps are tailored for smartphones and tablets running the Android operating system. Pricing models vary and include free, freemium, subscription, and one-time purchase options. These apps provide functionalities such as budgeting, investment tracking, tax planning, and debt management, and can be used on mobile phones, tablets, computers, and other devices.

The personal finance apps market research report is one of a series of new reports from The Business Research Company that provides personal finance apps market statistics, including personal finance apps industry global market size, regional shares, competitors with a personal finance apps market share, detailed personal finance apps market segments, market trends, and opportunities, and any further data you may need to thrive in the personal finance apps industry. This personal finance market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.

The personal finance apps market size has grown exponentially in recent years. It will grow from $106.15 billion in 2023 to $133.08 billion in 2024 at a compound annual growth rate (CAGR) of 25.4%. The growth during the historic period can be attributed to increasing user engagement and the promotion of sound financial practices, the emergence of open banking and the payment services directive (PSD2), growing awareness of personal finance management, rising financial literacy, and the expansion of digital banking.

The personal finance apps market size is expected to see exponential growth in the next few years. It will grow to $330.12 billion in 2028 at a compound annual growth rate (CAGR) of 25.5%. The anticipated growth in the forecast period can be attributed to the increasing acceptance of digitalization, a growing understanding of the importance of sound money management, rising penetration of smartphones and digital devices, growing demand for financial services and digital payments, and a higher need for convenience and mobile banking. Major trends expected during this period include seamless integration with various financial institutions, personalized features as users seek more comprehensive and user-friendly solutions, the emergence of artificial intelligence (AI) technology, product innovations, and the use of predictive analytics for risk management.

The growth in digital banking is expected to drive the expansion of the personal finance apps market in the future. Digital banking involves the transition of traditional banking services to online platforms, making them accessible beyond physical bank branches. This rise in digital banking is driven by factors such as convenience, improved accessibility, higher interest rates, seamless account management, and increased financial inclusion. Personal finance apps enhance the digital banking experience by offering users comprehensive tools to manage their finances, thereby fostering greater engagement with digital banking services. For example, Worldmetrics, a UK-based organization, reported in July 2024 that online banking transactions reached $9.8 billion in 2024 and are projected to grow to $161.6 billion by 2028. Consequently, the growth in digital banking is propelling the personal finance apps market.

Key players in the personal finance apps market are focusing on developing advanced applications such as Saarthi 2.0 to offer users sophisticated tools for financial management and improved financial literacy. Saarthi 2.0 provides a range of features, including Know Your Customer (KYC) processes, mutual funds, exchange-traded funds (ETFs), and stock trading functionalities. For instance, in June 2024, the Securities and Exchange Board of India (SEBI), a regulatory body based in India, launched Saarthi 2.0. This app provides valuable insights into the securities market and aids investors in making informed decisions. It features a user-friendly interface tailored for new investors and includes financial calculators, educational content, informative videos, and investor support.

In May 2021, Mission Lane LLC, a US-based financial services firm, acquired Honeydue for an undisclosed sum. This acquisition represents Mission Lane's strategic effort to expand its offerings by integrating Honeydue's advanced digital banking features, particularly in debit cards and personal finance management tools. Honeydue is a personal finance app based in the US.

Major companies operating in the personal finance apps market are Intuit Inc., Venmo LLC, Acorns LLC, Expensify, Albert, You Need a Budget LLC, Doxo Inc., WalletHub, Dayspring Technologies Inc., Spendee A.S., Toshl Finance Inc., OfficeTime, EveryDollar, Money Smart, Wally, Prism, Personal Capital Ltd., PocketGuard, Wallet Engine, UK Salary Calculator, Tiller Money, Honeydue

North America was the largest region in the personal finance apps market in 2023. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the personal finance apps market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

The countries covered in the personal finance apps market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The personal finance apps market includes revenues earned by entities by providing bank accounting integration, credit score monitoring, and investment tracking. 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.

Personal Finance Apps Global Market Report 2024 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on personal finance apps market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Gain a truly global perspective with the most comprehensive report available on this market covering 50+ geographies.
Understand how the market has been affected by the COVID-19 and how it is responding as the impact of the virus abates.
Assess the Russia - Ukraine war's impact on agriculture, energy and mineral commodity supply and its direct and indirect impact on the market.
Measure the impact of high global inflation on market growth.
Create regional and country strategies on the basis of local data and analysis.
Identify growth segments for investment.
Outperform competitors using forecast data and the drivers and trends shaping the market.
Understand customers based on the latest market shares.
Benchmark performance against key competitors.
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Report will be updated with the latest data and delivered to you within 3-5 working days of order along with an Excel data sheet for easy data extraction and analysis.
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Where is the largest and fastest growing market for personal finance apps ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward? The personal finance apps market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The market characteristics section of the report defines and explains the market.
The market size section gives the market size ($b) covering both the historic growth of the market, and forecasting its development.
The forecasts are made after considering the major factors currently impacting the market. These include:

The impact of sanctions, supply chain disruptions, and altered demand for goods and services due to the Russian Ukraine war, impacting various macro-economic factors and parameters in the Eastern European region and its subsequent effect on global markets.

The impact of higher inflation in many countries and the resulting spike in interest rates.

The continued but declining impact of COVID-19 on supply chains and consumption patterns.

Market segmentations break down the market into sub markets.
The regional and country breakdowns section gives an analysis of the market in each geography and the size of the market by geography and compares their historic and forecast growth. It covers the growth trajectory of COVID-19 for all regions, key developed countries and major emerging markets.
The competitive landscape chapter gives a description of the competitive nature of the market, market shares, and a description of the leading companies. Key financial deals which have shaped the market in recent years are identified.
The trends and strategies section analyses the shape of the market as it emerges from the crisis and suggests how companies can grow as the market recovers.

Scope

Markets Covered:1) By Type: Android; iOS; Web-based
2) By Pricing Model: Free; Freemium; Subscription; One-Time Purchase
3) By Functionality: Budgeting; Investment Tracking; Tax Planning; Debt Management
4) By Application: Mobile Phones; Tablets; Computers; Other Applications
Companies Mentioned: Intuit Inc.; Venmo LLC; Acorns LLC; Expensify; Albert
Countries: Australia; Brazil; China; France; Germany; India; Indonesia; Japan; Russia; South Korea; UK; USA; Canada; Italy; Spain
Regions: Asia-Pacific; Western Europe; Eastern Europe; North America; South America; Middle East; Africa
Time series: Five years historic and ten years forecast.
Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita,
Data segmentations: country and regional historic and forecast data, market share of competitors, market segments.
Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.
Delivery format: PDF, Word and Excel Data Dashboard.

Product Code: r19993

1. Executive Summary

2. Personal Finance Apps Market Characteristics

3. Personal Finance Apps Market Trends And Strategies

4. Personal Finance Apps Market - Macro Economic Scenario

4.1. Impact Of High Inflation On The Market
4.2. Ukraine-Russia War Impact On The Market
4.3. COVID-19 Impact On The Market

5. Global Personal Finance Apps Market Size and Growth

5.1. Global Personal Finance Apps Market Drivers and Restraints
- 5.1.1. Drivers Of The Market
- 5.1.2. Restraints Of The Market
5.2. Global Personal Finance Apps Historic Market Size and Growth, 2018 - 2023, Value ($ Billion)
5.3. Global Personal Finance Apps Forecast Market Size and Growth, 2023 - 2028, 2033F, Value ($ Billion)

6. Personal Finance Apps Market Segmentation

6.1. Global Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
Android
iOS
Web-Based
6.2. Global Personal Finance Apps Market, Segmentation By Pricing Model, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
Free
Freemium
Subscription
One-Time Purchase
6.3. Global Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
Budgeting
Investment Tracking
Tax Planning
Debt Management
6.4. Global Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
Mobile Phones
Tablets
Computers
Other Applications

7. Personal Finance Apps Market Regional And Country Analysis

7.1. Global Personal Finance Apps Market, Split By Region, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
7.2. Global Personal Finance Apps Market, Split By Country, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

8. Asia-Pacific Personal Finance Apps Market

8.1. Asia-Pacific Personal Finance Apps Market Overview
Region Information, Impact Of COVID-19, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies
8.2. Asia-Pacific Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
8.3. Asia-Pacific Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
8.4. Asia-Pacific Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

9. China Personal Finance Apps Market

9.1. China Personal Finance Apps Market Overview
9.2. China Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F,$ Billion
9.3. China Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F,$ Billion
9.4. China Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F,$ Billion

10. India Personal Finance Apps Market

10.1. India Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
10.2. India Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
10.3. India Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

11. Japan Personal Finance Apps Market

11.1. Japan Personal Finance Apps Market Overview
11.2. Japan Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
11.3. Japan Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
11.4. Japan Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

12. Australia Personal Finance Apps Market

12.1. Australia Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
12.2. Australia Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
12.3. Australia Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

13. Indonesia Personal Finance Apps Market

13.1. Indonesia Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
13.2. Indonesia Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
13.3. Indonesia Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

14. South Korea Personal Finance Apps Market

14.1. South Korea Personal Finance Apps Market Overview
14.2. South Korea Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
14.3. South Korea Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
14.4. South Korea Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

15. Western Europe Personal Finance Apps Market

15.1. Western Europe Personal Finance Apps Market Overview
15.2. Western Europe Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
15.3. Western Europe Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
15.4. Western Europe Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

16. UK Personal Finance Apps Market

16.1. UK Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
16.2. UK Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
16.3. UK Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

17. Germany Personal Finance Apps Market

17.1. Germany Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
17.2. Germany Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
17.3. Germany Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

18. France Personal Finance Apps Market

18.1. France Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
18.2. France Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
18.3. France Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

19. Italy Personal Finance Apps Market

19.1. Italy Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
19.2. Italy Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
19.3. Italy Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

20. Spain Personal Finance Apps Market

20.1. Spain Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
20.2. Spain Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
20.3. Spain Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

21. Eastern Europe Personal Finance Apps Market

21.1. Eastern Europe Personal Finance Apps Market Overview
21.2. Eastern Europe Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
21.3. Eastern Europe Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
21.4. Eastern Europe Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

22. Russia Personal Finance Apps Market

22.1. Russia Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
22.2. Russia Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
22.3. Russia Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

23. North America Personal Finance Apps Market

23.1. North America Personal Finance Apps Market Overview
23.2. North America Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
23.3. North America Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
23.4. North America Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

24. USA Personal Finance Apps Market

24.1. USA Personal Finance Apps Market Overview
24.2. USA Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
24.3. USA Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
24.4. USA Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

25. Canada Personal Finance Apps Market

25.1. Canada Personal Finance Apps Market Overview
25.2. Canada Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
25.3. Canada Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
25.4. Canada Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

26. South America Personal Finance Apps Market

26.1. South America Personal Finance Apps Market Overview
26.2. South America Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
26.3. South America Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
26.4. South America Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

27. Brazil Personal Finance Apps Market

27.1. Brazil Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
27.2. Brazil Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
27.3. Brazil Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

28. Middle East Personal Finance Apps Market

28.1. Middle East Personal Finance Apps Market Overview
28.2. Middle East Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
28.3. Middle East Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
28.4. Middle East Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

29. Africa Personal Finance Apps Market

29.1. Africa Personal Finance Apps Market Overview
29.2. Africa Personal Finance Apps Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
29.3. Africa Personal Finance Apps Market, Segmentation By Functionality, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
29.4. Africa Personal Finance Apps Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

30. Personal Finance Apps Market Competitive Landscape And Company Profiles

30.1. Personal Finance Apps Market Competitive Landscape
30.2. Personal Finance Apps Market Company Profiles
- 30.2.1. Intuit Inc.
  - 30.2.1.1. Overview
  - 30.2.1.2. Products and Services
  - 30.2.1.3. Strategy
  - 30.2.1.4. Financial Performance
- 30.2.2. Venmo LLC
  - 30.2.2.1. Overview
  - 30.2.2.2. Products and Services
  - 30.2.2.3. Strategy
  - 30.2.2.4. Financial Performance
- 30.2.3. Acorns LLC
  - 30.2.3.1. Overview
  - 30.2.3.2. Products and Services
  - 30.2.3.3. Strategy
  - 30.2.3.4. Financial Performance
- 30.2.4. Expensify Inc
  - 30.2.4.1. Overview
  - 30.2.4.2. Products and Services
  - 30.2.4.3. Strategy
  - 30.2.4.4. Financial Performance
- 30.2.5. Albert
  - 30.2.5.1. Overview
  - 30.2.5.2. Products and Services
  - 30.2.5.3. Strategy
  - 30.2.5.4. Financial Performance

31. Personal Finance Apps Market Other Major And Innovative Companies

31.1. You Need A Budget LLC
31.2. Doxo Inc.
31.3. WalletHub
31.4. Dayspring Technologies Inc.
31.5. Spendee A.S.
31.6. Toshl Finance Inc.
31.7. OfficeTime
31.8. EveryDollar
31.9. Money Smart
31.10. Wally
31.11. Prism
31.12. Personal Capital Ltd.
31.13. PocketGuard
31.14. Wallet Engine
31.15. UK Salary Calculator

32. Global Personal Finance Apps Market Competitive Benchmarking

33. Global Personal Finance Apps Market Competitive Dashboard

34. Key Mergers And Acquisitions In The Personal Finance Apps Market

35. Personal Finance Apps Market Future Outlook and Potential Analysis

35.1 Personal Finance Apps Market In 2028 - Countries Offering Most New Opportunities
35.2 Personal Finance Apps Market In 2028 - Segments Offering Most New Opportunities
35.3 Personal Finance Apps Market In 2028 - Growth Strategies
- 35.3.1 Market Trend Based Strategies
- 35.3.2 Competitor Strategies

36. Appendix

36.1. Abbreviations
36.2. Currencies
36.3. Historic And Forecast Inflation Rates
36.4. Research Inquiries
36.5. The Business Research Company
36.6. Copyright And Disclaimer