Fintech & Investing Tools 2025: Build Wealth with Tech

Fintech & Investing Tools in 2025: The Ultimate Guide to Building Wealth with Technology.

At some point—usually late at night, when the noise dies down—you might catch yourself thinking: Is my money actually doing anything for me? Maybe it’s sitting in a savings account earning a paltry 0.5%, or perhaps you’ve meant to invest but never got around to it. That quiet realization? It’s more common than you think.

The good news? You’re not stuck. Not anymore.

As of June 2025, a wave of powerful financial tools—many of them completely free—are reshaping how everyday people build wealth. This isn’t complicated Wall Street stuff. This is "on your lunch break" kind of stuff, like setting up an automated investment with just £5 using an app, or finding a budget tool that actually helps you save for that dream holiday. From investing apps that round up your spare change to platforms that let you start an LLC online in under 10 minutes, there’s a tool for every step of your financial journey.

And this guide? It's not just a list. It's the first push toward taking control of your money—for real this time.

What Is Fintech and Why It Matters in 2025

Let’s keep it simple: fintech is short for "financial technology," and it refers to tools that help you save, invest, budget, and grow your money faster and smarter. But in 2025, it's more than just apps. It's an entire ecosystem of platforms that actually make sense for regular people.

Want to know where to begin? Start with our roundup of the Best Investing Apps for Beginners in 2025—it’s friendly, approachable, and won’t drown you in jargon. (Visual Suggestion: A simple icon representing a phone with investment charts or a dollar sign.)

Robo-Advisors: Your Portfolio on Autopilot

Not everyone wants to spend their evenings researching ETFs. And honestly? You shouldn’t have to.

That’s where robo-advisors come in. Platforms like Betterment, Wealthfront, and SoFi take your goals, risk tolerance, and timeline—and build a portfolio for you. They even adjust it automatically based on market performance, freeing up your time while keeping your investments on track.

Trying to figure out which one suits you best? We did the homework in Best Robo-Advisors Compared: Wealthfront vs Betterment vs SoFi. Or, if automation is your thing, check out SoFi vs Betterment: Best for Automated Investing?

Want something even more hands-off? You’ll probably love our list of the Best Fintech Tools for Passive Investing in 2025. (Visual Suggestion: An icon of a robot arm managing stocks or a gear.)

Small Money, Big Moves: Micro-Investing Apps

You don’t need thousands to get started. Heck, you don’t even need hundreds. Apps like Acorns, Public, and Stash let you invest with $5 or less. Seriously.

These tools are perfect if you’re just starting out—or if you're rebuilding your finances after, say, a rough patch (we’ve all been there). They’re built for progress, not perfection, by making investing accessible even with pocket change.

Still stuck choosing? See our real-world breakdown: Public vs Stash: Which Micro-Investing App Wins? Or, if you like the idea of turning coffee change into stock ownership, you’ll love our guide on Fintech Apps That Round Up Spare Change Into Investments. (Visual Suggestion: An icon of coins turning into a growing plant or a piggy bank.)

Real Estate & Crypto: Not Just for the Rich Anym5ore

Want to invest in real estate, but don’t exactly have a down payment sitting around? No worries. Platforms like Fundrise let you invest in real estate projects with just $100, democratizing access to property markets.

And if you’re feeling a little more adventurous, check out the Best Crypto-Friendly Investing Platforms. Crypto isn’t dead—it’s just gotten smarter, with easier access and more regulated options than ever before.

Oh, and if you care about where your money goes? As in, socially responsible investing? Here’s a good place to start: Fintech Tools for ESG and Sustainable Investing. You’ll be surprised how far your money can go when it’s aligned with your values, helping you invest with purpose. (Visual Suggestion: Icons representing a house, a Bitcoin symbol, and a leaf/eco symbol.)

Stock Screeners, Day Trading & Portfolio Tools That Don’t Suck

Let’s be honest—some investing tools are a nightmare to use. These aren’t.

If you like data (or just want to look like you do), TradingView and Stock Rover are killer platforms. They offer real-time charts, fundamental data, and alerts that actually make sense, giving you powerful insights without the headache. Want to see which wins? We’ve got a head-to-head: TradingView vs Stock Rover: Which Tool Offers Better Insights?

Also worth checking out:

Best Stock Screeners for Retail Investors
7 Must-Have Apps for Day Traders
Best Dividend Trackers and Portfolio Management Tools
The Best Tools for Managing Multiple Investment Accounts
Robinhood vs Webull: Which Is Better for Traders in 2025? (Visual Suggestion: An icon of a magnifying glass over a stock chart or a graph with an upward arrow.)

AI & Automation Tools: Smarter Investing for Everyone

Artificial intelligence is no longer just a buzzword. Platforms now use AI to help personalize investments, manage risk, and even offer real-time coaching, making sophisticated strategies accessible to everyone.

Curious what’s worth trying? Start here: Best AI-Powered Investing Tools Right Now

And if efficiency is your thing, here are a few tools to explore:

How to Automate Your Investments Using Fintech Tools
How to Use M1 Finance to Build a Custom Portfolio
Using AI Tools to Improve Your Investment Decisions
How to Analyze Stocks Using Fintech Platforms
And for the long-haul thinkers: M1 Finance vs Fidelity: Which App Is Right for Long-Term Investors? (Visual Suggestion: An icon of a robot head or brain with cogs/circuits.)

Track, Budget, and Know What You’re Worth

Budgeting doesn’t have to feel like punishment. Tools like Monarch, Copilot, and YNAB are changing the game. They help you track where your money goes and—more importantly—why it goes there, turning financial tracking into a clearer, more insightful process.

Need to figure out your actual net worth (not just what your bank app says)? We’ve got you covered in our guide to the Best Apps for Tracking Your Net Worth. (Visual Suggestion: An icon of a wallet, a pie chart, or a checklist.)

Legal Tip: Forming an LLC = Smarter Investing

If you're side hustling, freelancing, or investing in real estate… forming an LLC with Incfile might be a smart move. It protects your personal assets, gives you tax options, and lets you invest as a business. That matters more than most people think, providing a layer of security and professional legitimacy.

Not sure where to begin? See our guide on How to Start an LLC Online—we break it down step by step. This isn’t legal advice, but it is solid strategy. (Visual Suggestion: An icon of a legal gavel, a shield, or a document with a signature.)

Fintech Is for Everyone—And We Mean Everyone Students?

There are Investing Tools for Teens and College Students that help them build good habits early and understand financial literacy. Freelancers? Check out the Tools That Help Freelancers Start Investing, designed to navigate irregular income and build consistent savings.

Even if you're not sure where to begin, there’s a tool out there for you:

How to Create an Investment Plan Without a Financial Advisor
Top 10 Fintech Tools Every Investor Should Know (Visual Suggestion: Icons representing diverse people – a student, a freelancer, a family.)

What’s Next?

Where Fintech Is Headed 2025 is just the beginning. With tools getting smarter, faster, and more personal, the way we build wealth is changing at warp speed.

Want a sneak peek? Don’t miss:

The Future of Fintech in Personal Investing
5 New Investing Apps to Watch in 2025
Why Traditional Brokerages Are Losing to Fintech Startups
How Fintech Is Democratizing Wall Street
Are Fintech Investment Tools Safe? What You Should Know (Visual Suggestion: An icon of a crystal ball, a futuristic city, or a rocket taking off.)