Nearly Half of Adults Praise ‘Superior’ AI Finance Information

Nearly half of survey respondents—49%—told the financial comparison platform BestMoney that they agreed with the statement that artificial intelligence-powered financial tools were “superior to all people in their life” for financial information or guidance. Surveying 1,252 adults between the ages of 18 and 79 in November 2025, the polling firm Prolific and BestMoney—a brand by AI-integrated marketing company National Intelligence—found respondents received financial advice from AI some of the time (50%) or most of the time (29%), and 82% said their use of AI for finance had increased in the past 12 months.

Overall, 71.8% of respondents said they made financial decisions as a result of AI guidance or information, and almost one in eight—11.9%—said they took “significant actions” in their retirement planning following AI feedback. The three most common financial decisions influenced by AI were budgeting and spending (29.5%), investing (24%) and saving (22.8%).

However, when asked how AI financial advice fell short, respondents’ most common responses were: too generic (36%), lack of context (25%), incomplete information (23%) and making assumptions (19%).

The survey results suggested that AI advice could remain a staple of retirement planning. More than one-third of respondents (36%) used AI to learn more about retirement planning. This was the second most common financial topic, trailing investing (61%) and beating cryptocurrency and self-employment (both 30%), trading (29%), and scams and buying real estate (both 19%).

Asked why they used AI tools for financial advice, respondents most often cited speed (63%), lack of cost (56%) and responsiveness (55%), while quality of information (29%) and privacy (19%) trailed behind. By using AI as a financial personal assistant, 74% of respondents said their financial confidence had improved.

Among income levels, respondents with a yearly salary of at least $125,000 were more likely to trust AI guidance, with the highest level of trust (96%) shared by respondents making $125,000 to $150,000, compared with 82% overall. That same income bracket of $125,000 to $150,000 also reported the highest levels of:

• “Great” financial outcome from using AI (51%, compared with 33% overall);
• Wanting to increase AI use related to finances (91%, compared with 78% overall);
• Improved financial confidence (81%, compared with 71% overall);
• Taking financial action after receiving AI guidance (80%, compared with 71% overall); and
• Making poor financial decisions after using AI (98%, compared with 91% overall).

The income bracket also tied for most-improved financial well-being (66%) with those earning $50,000 to $75,000.

By generation, surveyed Millennials reported the highest levels of improved financial well-being (65%) and financial confidence (73%) after using AI. Surveyed Baby Boomers had the lowest level of improved financial well-being (51%) and financial confidence (65%).

While 64% of Generation Z respondents said they had improved financial well-being due to AI, they had slightly lower levels of confidence (68%) than Millennials. More than one-quarter (27.5%) of Gen Z respondents said they did not expect to use AI more for finances in the future, more than Baby Boomers (22%) and Millennials and Generation X (both 16%).

Reflecting on the survey findings, Yoni Cohen, a senior editor at BestMoney, said that AI-powered financial tools can be convenient, but human financial advisers could give more personally relevant 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 said in a statement. “Taking time with a professional to think through your goals, risks, and emotions can lead to decisions that are safer and more sustainable in the long run.”