More than half of Americans plan to improve their finances as a New Year’s resolution for 2026, but only 40% feel confident they will succeed, according to a recent Motley Fool Money report. As the new year approaches, experts suggest that artificial intelligence (AI) may offer practical tools to help individuals achieve their financial goals.
Several AI models were consulted to identify high-impact financial resolutions and how technology can assist in making them achievable. Gemini 3Pro, one of the AI models used, said: “If you want to execute these resolutions without burning out, you need to delegate the grunt work to the machines.”
One key recommendation is building an emergency fund covering three to six months of living expenses. Digital platforms such as Albert, Oportun, and Rocket Money can analyze spending habits and automatically transfer small amounts into savings accounts. Additionally, tools like ChatGPT can help users compare rates on high-yield savings accounts or suggest monthly savings targets based on income and expenditures.
Another priority is creating a personalized debt-payoff plan. Users can input their debt balances, interest rates, income, and expenses into AI-powered tools to receive tailored repayment strategies. These tools also illustrate potential long-term savings from sticking with the plan or highlight the costs of carrying debt over time.
AI can also help consumers find better prices on essential services. According to an Insurify report, 42% of drivers have already used AI assistants when shopping for car insurance—a mandatory expense for all drivers. Some AI-based services are capable of canceling unused subscriptions or negotiating lower rates with service providers such as cable companies and internet suppliers.
To curb impulse spending, experts recommend placing purchases on a 48-hour delay. An AI assistant can remind users about intended purchases after two days and reassess whether it is still necessary. The assistant can also review price history and product alternatives before finalizing any non-essential transaction.
Finally, budgeting apps powered by AI can help users allocate funds for discretionary spending on entertainment or dining out while tracking these expenses throughout the month. Some applications even propose low-cost activities based on previous spending patterns.
Financial stress tends to peak in December for nearly one-third of Americans, according to Empower’s “The December Mindset” study. Furthermore, 21% consider December a crucial time that influences their finances for the upcoming year.
Experts emphasize that while AI offers useful support in managing money matters for 2026 resolutions, it is important for users to verify information provided by these systems and consult human financial advisers when needed.
