In general, AI can be a useful starting point to ask general purpose questions.
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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.
The following groups are more likely to see an upside in using AI for personal finances:
Younger adults. 60% of Gen Z (ages 18-28) and 66% of millennials (ages 29-44) say using AI will have a positive impact on their personal finances. Meanwhile, only 48% of Gen X (ages 45-60) and 26% of baby boomers (ages 61-79) share that outlook.
Parents. 64% of parents of children under 18 think AI will have a positive impact on their finances. Only 40% of those who are not parents of children under 18 say the same.
Men. 56% of men say using AI will have a positive impact on their personal finances compared to 41% of women.
