The beginning of a new year often marks the start of new habits and goals, including when it comes to personal finances. And AI could be the key to reaching your 2026 financial resolutions.<\/p>\n
According to a 2025 JD Power survey<\/a>, more than half of consumers say they are using AI to get financial advice or information; of those respondents, 13% say they use AI for banking and financial services on a daily basis.<\/p>\n At a time when higher everyday costs are stretching many people\u2019s budgets to the max, AI can offer tips and tools for saving money<\/a> so you can successfully reach your New Year\u2019s goals. Here\u2019s how.<\/p>\n Read more: The best financial habits to start in January \u2014 backed by data<\/a><\/p>\n There are countless ways you can use AI to get your financial house in order and save more money. Consider trying one or more of the following strategies to get the ball rolling and save extra cash each month.<\/p>\n The key to accomplishing your 2026 money resolutions<\/a> is setting realistic and measurable goals. So, if your resolution sounds something like \u201csave more\u201d or \u201cget better with money,\u201d AI can help translate that into something actionable.<\/p>\n For example, you can ask AI to break a big goal into monthly or weekly targets and create a personalized savings plan based on your income and expenses. Your prompt might sound something like: \u201cHelp me turn a goal of saving $5,000 this year into a realistic monthly plan based on a $60,000 annual salary<\/a>.\u201d<\/p>\n Read more: 5 ChatGPT prompts to help you build a better budget<\/a><\/p>\n 2. Find and cancel unused subscriptions <\/p>\n Many of us have been guilty of signing up for a free trial and forgetting to cancel it, or paying for a subscription that we no longer use. In fact, the average U.S. adult spends $1,080 per year on subscriptions, and nearly $200 on unused subscriptions, according to a survey by CNET<\/a>. Cancelling unneeded subscriptions is an easy way to cut expenses and increase your monthly cash flow<\/a>.<\/p>\n However, if you don\u2019t want to sift through months\u2019 worth of bank statements<\/a> looking for these charges, you can sign up for a money-saving app<\/a> such as Rocket Money or Trim, which use AI to find and cancel unwanted subscriptions in minutes.<\/p>\n You might not realize that some monthly expenses can be negotiated to save money. Your bills for internet, cable, home services, insurance premiums, medical bills, and more can all be negotiated down \u2014 as long as you can make a strong case.<\/p>\n But if the idea of calling up your service providers and negotiating rates makes you uneasy, know that you don\u2019t have to do it alone. You can ask an AI chat tool to draft an email or prepare a script to follow when speaking with a provider \u2014 or sign up for a tool such as PocketGuard or Pine AI, which can negotiate on your behalf.<\/p>\n