Nearly half of survey respondents—49%—indicated that they believe artificial intelligence (AI)-powered financial tools are “superior to all people in their life” for financial information or guidance, according to a recent poll conducted by financial comparison platform BestMoney. The survey, which gathered responses from 1,252 adults aged 18 to 79 in November 2025, was carried out by polling firm Prolific in collaboration with BestMoney, a brand of AI-integrated marketing company National Intelligence. Findings revealed that 50% of participants frequently received financial advice from AI, while 29% did so most of the time, with 82% reporting an increase in AI usage for financial purposes over the past year.
Moreover, 71.8% of respondents acknowledged that they made financial decisions based on AI guidance or information. Notably, almost one in eight—11.9%—reported taking “significant actions” regarding retirement planning following AI feedback. The three predominant financial areas influenced by AI were budgeting and spending (29.5%), investing (24%), and saving (22.8%).
Despite the advantages, respondents noted limitations in the AI financial advice they received. The most common critiques included that the advice was too generic (36%), lacked context (25%), provided incomplete information (23%), and made assumptions (19%). This feedback highlights the necessity for a more tailored approach in AI financial advisory tools.
The survey results suggest that AI guidance is becoming a staple in retirement planning, with over one-third (36%) of respondents utilizing AI to enhance their understanding of retirement strategies. This topic ranked second, following investing (61%) and ahead of cryptocurrency and self-employment (both 30%), trading (29%), and scams and real estate purchases (both 19%).
When asked about their motivations for using AI tools for financial advice, respondents cited speed (63%), cost-effectiveness (56%), and responsiveness (55%) as the primary reasons. However, only 29% highlighted the quality of information and 19% mentioned privacy as significant factors. Notably, 74% of participants reported an increase in their financial confidence after using AI as a personal financial assistant.
Income levels played a crucial role in how respondents perceived AI guidance. Individuals earning a yearly salary of at least $125,000 were more likely to trust AI, with the highest level of trust—96%—coming from those making between $125,000 and $150,000. This income bracket also reported the best outcomes from using AI, with 51% stating they experienced “great” financial results, compared to 33% overall. Moreover, 91% expressed a desire to increase their AI usage for financial matters, while 80% took financial actions after receiving AI guidance, compared to 71% of the overall group. Interestingly, 98% of this income cohort indicated they made poor financial decisions after relying on AI, slightly higher than the 91% across all respondents.
Generational differences also emerged from the survey. Millennials reported the highest levels of improved financial well-being (65%) and confidence (73%) after utilizing AI tools. In contrast, Baby Boomers exhibited the lowest levels of both improved financial well-being (51%) and confidence (65%). Generation Z respondents noted a 64% improvement in financial well-being, although their confidence level of 68% was slightly lower than that of Millennials. Over a quarter (27.5%) of Gen Z respondents indicated they did not foresee increased AI usage for financial purposes in the future, surpassing the rates of Baby Boomers (22%) and Millennials and Generation X (both 16%).
Reflecting on the survey findings, Yoni Cohen, a senior editor at BestMoney, remarked that while AI-powered financial tools offer convenience, human financial advisers provide more personalized information. “AI can be a great starting point for learning about your options, but real-life information from an authoritative source can connect the dots in a way a generic tool simply can’t,” Cohen stated. He emphasized the importance of taking time with a professional to evaluate goals, risks, and emotions, suggesting that this approach leads to more sustainable financial decisions in the long run.
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