Americans Split on Using AI for Personal Finances

By: Kurt Woock/NerdWallet Paradise Post, Paradise, Calif. (TNS)

Futuristic piggy bank with glasses, illuminated by digital circuits. Set on a desk with a blurred screen backdrop, it embodies modern finance technology.

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Most U.S. adults say AI has a role to play in a number of high-stakes tasks, including weather forecasting, developing new medicines and rooting out criminals, according to a recent Pew Research Center survey.

But what about using the technology to improve your personal finances? According to a NerdWallet survey conducted online by The Harris Poll in October 2025, the answer depends on who you ask.

About half (48%) of Americans say using AI will have a positive impact on their personal finances while the other 52% disagree, according to the NerdWallet survey. Look closer at the data, though, and you’ll find pockets of greater optimism and pockets of greater pessimism.

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