Use of Generative AI for Personal Finance in the UK
40% of UK adults have used generative AI tools like ChatGPT or Gemini to get personal finance advice, according to research from Finder. That’s roughly 21.3 million people. Another 25% are considering using AI for their finances, so nearly two-thirds of Brits are either already using or open to AI in this area. However, 35% remain reluctant to use AI for personal finance.
Popular Uses of AI in Personal Finance
The top use of AI in personal finance is budgeting. About 19% of UK adults have created a personal budget with AI assistance, while 31% would consider using AI for this purpose. Side hustle advice is also common, with 18% using AI to get tips on managing or starting additional income streams such as freelancing, selling online, or tutoring.
Other popular uses include:
- Understanding and improving credit scores (17%)
- Getting savings advice (just under 17%)
- Stocks and shares tips (16%)
- Cryptocurrency advice (15%)
The interest in AI for stocks and cryptocurrency raises questions about the reliability of AI-generated advice for complex financial decisions.
Expert Perspective
George Sweeney DipFA, a personal finance and investing expert at Finder, points out that AI's growing role in financial advice highlights the ongoing gap in accessible financial guidance. AI tools are helpful for everyday money management like budgeting and savings tips, but caution is needed for major decisions.
He warns about the risks of relying on large language models built for broad audiences, especially for those new to investing. Without a solid understanding of financial goals or risk tolerance, following AI advice blindly could lead to poor outcomes, such as investing before clearing debts.
His advice: use AI insights as a starting point, supplement with your own research, compare options, and consult qualified financial advisors for important long-term money choices.
Survey Methodology
The data comes from a nationally representative survey conducted by Censuswide for Finder between 26 and 30 June 2025. It included 2,000 adults aged 18+ across Great Britain, with quotas for gender, age, and region to ensure representativeness.
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