Best Finance Apps for Women in 2026
TLDR
Ellevest — the only major women-focused finance brand — was absorbed by Betterment in April 2025. Its membership features were discontinued. For the first time in years, there is no dominant women-specific finance tracking app. Thalvi is being built to fill that gap, focused on wealth aggregation for high-earning women. Until then: Copilot for design-forward iOS tracking, Monarch for households, Empower for free investment visibility.
| App | Women-Specific | Tracks Investments | Annual Cost | Primary Use |
|---|---|---|---|---|
| Thalvi | Yes | Yes (deep) | $99 | Wealth aggregation |
| Copilot | No | Balance only | $95 (iOS only) | Budgeting + design |
| Monarch Money | No | Balance only | $99.99 | Household budgeting |
| Empower | No | Good (free) | Free | Investment tracking |
| Female Invest | Yes | No | TBD | Education + community |
Thalvi
Wealth aggregation app designed explicitly for high-earning professional women. Built to fill the gap left by Ellevest's discontinuation — not a budgeting app, not a robo-advisor, but a wealth tracking tool for women who are already investing and want visibility into their growing portfolio.
Pros
- ✓ Designed from the ground up for high-earning women investors
- ✓ Addresses the specific financial context of women: career income trajectory, equity compensation, wealth gap awareness
- ✓ Investment-first — not a budgeting app repackaged for women
- ✓ Clean subscription model: no ads, no advisor upsells
Cons
- × Newer product — actively developing
- × No free tier
- × Smaller feature set than fully mature competitors
Pricing: $9/month or $99/year
Verdict: Best finance app built specifically for high-earning women investors. Filling the gap left by Ellevest's discontinuation with wealth tracking rather than automated investing.
Copilot
The most design-forward personal finance app available. Not marketed specifically to women, but consistently recommended in women's personal finance communities for its clean, thoughtful interface. iOS-only. Budgeting-first with investment account balances.
Pros
- ✓ Best design of any personal finance app
- ✓ AI-powered categorization that learns from corrections
- ✓ Strong community recommendations in women's finance spaces
- ✓ Apple Watch integration
Cons
- × iOS only — no Android
- × Budgeting-first, investment tracking limited to balances
- × Not designed specifically for women's financial contexts
- × No equity compensation or wealth-building specific features
Pricing: $95/year or $13/month
Verdict: Best design-forward option for women on iOS who want transaction tracking alongside investment balances. Limited investment depth.
Monarch Money
The dominant Mint replacement. Budgeting-first with net worth tracking. Not women-focused, but used broadly across demographics including high-earning households. Couples-oriented design may not fit solo investors.
Pros
- ✓ Best overall budgeting app with solid net worth view
- ✓ Reliable sync and active development
- ✓ Cross-platform access
- ✓ Strong community and product support
Cons
- × Couples framing is a mismatch for single high-earning women
- × Budget-first, investment tracking limited to account balances
- × Reddit r/FIRE notes it as 'slow and irrelevant copy' compared to investment tools
- × No women-specific features or framing
Pricing: $99.99/year or $14.99/month
Verdict: Good general-purpose budgeting app used widely. Couples orientation and budget-first design is misaligned with single high-earning women who want investment visibility.
Empower
Free investment dashboard formerly known as Personal Capital. Strong portfolio analytics, free to use. Business model depends on advisory upsells. No women-specific features but used broadly by women investors for the free investment tracking.
Pros
- ✓ Free investment tracking with genuine portfolio analytics
- ✓ Portfolio allocation, fee analysis, retirement calculator
- ✓ Used by women investors in high-earner communities for free investment visibility
- ✓ Connects all major US brokerage and retirement accounts
Cons
- × Persistent advisor solicitations
- × No women-specific features, framing, or community
- × Advisory fee of 0.89% AUM is expensive at portfolio scale
- × Interface quality lags newer apps
Pricing: Free dashboard; 0.89% AUM for advisory
Verdict: Best free option for women investors who want portfolio analytics without paying. No women-specific context but strong investment tools.
Female Invest
Women's investing education and community platform with 85,000+ members. Important context: Female Invest is NOT an account tracking or aggregation tool. It has no bank sync, no portfolio tracking, and no net worth dashboard. It fills the financial education and community gap — not the wealth tracking gap.
Pros
- ✓ 85,000+ women investor community
- ✓ Investing education designed for women
- ✓ Strong community aspect for learning alongside peers
- ✓ Cited by Forbes and Vogue for financial education quality
Cons
- × Not a finance tracking app — no account connections, no net worth tracking
- × UK/Denmark primary focus
- × Does not replace a finance tracking tool
- × Pricing not publicly disclosed
Pricing: Free trial available; membership pricing not publicly disclosed
Verdict: Valuable education and community platform for women learning to invest. Does not track finances — a complement to a tracking app, not a replacement.
Looking for something built for investors?
Thalvi is From $9/month — no budgeting required, all accounts in one view.
The Gap Ellevest Left
For nearly a decade, Ellevest was the answer to “what finance app is designed for women?” Founded by Sallie Krawcheck in 2014, Ellevest built its brand around the premise that financial planning tools built for men don’t serve women optimally — different salary curves, longer lifespans, career interruption patterns, and investing behavior warrant different tooling and framing.
In April 2025, Betterment acquired Ellevest’s automated investing accounts. Ellevest’s membership features — financial coaching, planning tools, and the platform’s community layer — were discontinued. Ellevest.com now redirects to Betterment.
The gap this left is real. There is currently no dominant, independent, women-focused personal finance platform in the US market. The Womanee article listing women’s finance apps (last updated 2023) still lists Ellevest as the top recommendation — now a defunct product. This is where the market is.
Why Women’s Financial Context Matters
The case for women-specific finance tools is grounded in documented differences in financial situations, not assumptions about ability or interest.
Women in the US earned 85% of men’s wages in 2024, according to Pew Research (March 2025). Women’s median wealth as a percentage of men’s dropped from 90% in the mid-1990s to 60% by the mid-2010s, per a 2022 ScienceDirect study. Women perform better as investors — studies including a Barclays Smart Investor analysis of 2,800 customers found women outperformed men by 1.8% per year — but invest less, often citing lack of confidence and tools designed for them.
A finance app designed for high-earning professional women should reflect this context. It should frame wealth building, not spending control. It should address equity compensation, which is a significant component of compensation for women in tech and finance. It should be designed around growing a portfolio, not managing a budget that assumes you’re trying to control spending.
The Education-Tracking Distinction
Female Invest deserves mention in this list because it’s a high-quality product, but the distinction from a tracking app is important.
Female Invest provides financial education, investing courses, and community for women — 85,000+ members globally, strong UK and Danish presence. It does not track bank accounts. It does not calculate net worth. It does not aggregate investment portfolios. It is an education platform for women learning to invest, not a tool for women who are already investing and want portfolio visibility.
These are different products filling different needs. If you’re early in your investing journey and want community and education, Female Invest is excellent. If you already invest and want to see how your investments are performing across multiple accounts, Female Invest doesn’t answer that question.
What High-Earning Women Actually Need
The high-earning women this comparison is designed for — tech, finance, law, medicine, corporate leadership — have specific financial characteristics:
- Multiple investment accounts: 401(k) at current employer, possibly old 401(k)s from previous employers, Roth IRA, taxable brokerage, HSA
- Equity compensation: RSUs, ESPPs, and stock options are common in tech and finance
- Growing net worth that changes faster than spending patterns
- Less interest in transaction-level categorization, more interest in portfolio performance
- Awareness of the wealth gap and intentionality about closing it through investment
The best finance app for this profile tracks investments, aggregates accounts, handles equity compensation, and frames the financial picture around wealth growth — not spending management.
Q&A
What happened to Ellevest?
Ellevest — the primary women-focused finance brand in the US — was absorbed by Betterment in April 2025. Betterment acquired Ellevest's automated investing accounts. Ellevest's membership features, including financial coaching and planning tools, were discontinued. Ellevest.com now redirects to Betterment. This removed the only independent, women-focused finance platform from the market, creating a clear gap for a wealth tracking product designed specifically for high-earning women.
Q&A
Is there a good personal finance app designed for women?
As of early 2026, the women-focused personal finance app landscape has a significant gap. Ellevest — the dominant women-focused platform — was absorbed by Betterment in April 2025 and discontinued its membership features. Female Invest is an education and community platform, not a tracking tool. Thalvi is being built to fill the wealth aggregation gap specifically for high-earning women investors. In the interim, Copilot (iOS), Empower (free), and Monarch provide capable general-purpose tools.
Q&A
What should women look for in a personal finance app?
Women investors should look for apps that address their specific financial context: career income trajectory planning, equity compensation tracking (RSUs and ESPPs are common for women in tech and finance), portfolio visibility across retirement and taxable accounts, and framing around wealth building rather than spending control. The gender pay gap (women earned 85% of men's wages in 2024, per Pew Research) and wealth gap mean that women often need to be more intentional about investment trajectory — an app that supports that intentionality is more useful than one designed around budget management.
See your full financial picture
What was Ellevest?
Is Female Invest a finance tracking app?
Do women need a different finance app than men?
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