We asked 4 AI models to recommend the best budgeting apps for personal finance. Here's what GPT-4.1, Gemini, Grok, and Llama agree on.
🏆 AI Consensus Winner: Mint — recommended by 2/4 models
🔴 AI Confidence: LOW — no clear winner
AI Consensus
These products were recommended by multiple AI models:
- Mint
- Personal Capital
- PocketGuard
- EveryDollar
- YNAB
What Each AI Recommends
| Rank | GPT-4.1 | Gemini | Grok | Llama |
|---|---|---|---|---|
| 1 | Mint | You Need A Budget (YNAB) | YNAB | Mint |
| 2 | YNAB (You Need A Budget) | Mint | Mint | Personal Capital |
| 3 | Personal Capital | Personal Capital (Empower) | PocketGuard | YNAB |
| 4 | PocketGuard | Simplifi by Quicken | Goodbudget | Quicken |
| 5 | EveryDollar | Monarch Money | EveryDollar | Spendee |
Best For Your Needs
- Best overall: Mint
- Best free option: Mint
- Best for small teams: PocketGuard
- Best for enterprises: Mint
Methodology
We asked each AI model: "What are the Best Budgeting Apps For Personal Finance? List your top 5 recommendations."
Models used: GPT-4.1 Nano (OpenAI), Gemini 2.5 Flash (Google), Grok 4.1 Fast (xAI), Llama 4 Scout (Meta). No web search was enabled — these are pure AI opinions based on training data.
The "AI Consensus" shows products mentioned by 2 or more models. The winner is the product that appears most frequently in the #1 position.