Financial Literacy: The 8 Best Apps for Women

Over the last few decades, we’ve seen the financial literacy gap between men and women close considerably – long gone are the days where women couldn’t have their own bank accounts (thank goodness!).

However, recent research shows that women are still at a financial disadvantage compared to their male counterparts, specifically in areas like financial education, salary, financial leadership roles, and overall confidence in managing money.

Because of this, a growing number of financial apps are being created by women, for women – offering tools that make budgeting, investing, and financial planning more accessible.

In this blog, we’re highlighting 8 of the best financial literacy apps for women, designed to help empower women to take control of their money, build confidence, and make more informed financial decisions at every stage of their lives.

What is financial literacy – and why does it matter for women?

Financial literacy is the ability to understand and effectively manage your personal finances – including budgeting, saving, investing, debt, and planning for the future. It’s also about having the knowledge and confidence to make informed financial decisions that support long-term stability and growth.

While financial literacy is important for everyone, it's especially crucial for women. Studies consistently show that women face unique financial challenges, such as the gender pay gap, longer life expectancy, career breaks for caregiving, and underrepresentation in financial leadership roles. These factors can all contribute to lower lifetime earnings and less financial security in retirement.

Improving financial literacy helps women feel more confident about their money, make smarter financial choices, and gain greater independence – whether they're managing everyday expenses, investing for the future, or building long-term wealth.

The 8 Best Financial Apps for Women

#1) Female Invest

A community based on empowering women to feel financially independent, Female Invest says they're “on a mission to close the financial gender gap”, providing means for women to feel as financially empowered as men do.

Through their membership, women have access to an abundance of events, webinars, and courses where they're able to meet, share, and learn from financial professionals and like-minded members, to feel financially confident and free.

Key features include:

1. A custom build trading simulator: to allow users to invest in real life but with fake money
2. Over 300 financial courses: in the form of videos, quizzes, and articles
3. Access to real financial industry experts: creating opportunities for credible support and answers
4. Live weekly sessions: held by real female financial experts
5. Inclusive and likeminded community: including over 80,000 women with similar financial goals

Female Invest is truly a global community that provides an ample supply of financial content at your fingertips.

#2) YourJuno

Designed to give you control over your financial future, YourJuno is working to improve radical inclusivity, moving away from the “one size fits all” financial mindset.

Designed for both women and non-binary people who are keen to use their money for good, YourJuno, describes itself as a "money mentor throughout all life stages".

The app features 280 lessons, which are bitesize, engaging videos that cover 16 different financial topics including budgeting, investing, and salary negotiation. With tools to help you save, step-by-step reminders and to-do lists, as well as up-to-date financial news, YourJuno keeps you in the loop and financially in control.

The app is also used by well-known brands like GoCardless, Just Eat and Wise.

Additional features include:

1. A multi-use product: companies can also collaborate with MyJuno to better financially support employees
2. Weekly newsletters: money tips sent straight to your inbox
3. Inclusive and progressive: created with the ethos of making women and non-binary people feel empowered

#3) Credit Rich

Founded by Angel Rich, CreditRich is an app focused on your credit score, finding innovative ways to not only keep your score high but provide women with financial stability and freedom.

Using its own custom build algorithm, CreditRich cleverly prioritises the payment of bills and other finances, with the main goal of keeping your credit score intact.

Driven by the mission of reducing poverty through providing access to easy-to-understand financial materials, CreditRich provides financial literacy courses in the form of digestible and engaging videos and games.

Key features include:

1. Financial flexibility: CreditRich has its own debit card in partnership with Visa
2. Trusted by financial leaders: CreditRich partnership with Experian, Self., and Visa
3. Simple and easy-to-use platform: suited to those who are digitally-savvy and those who aren’t!
4. Abundance of resources: including credit report checks, spending tips, and custom-built automatic savings generator

#4) Frich

A one-stop shop for everything you would ever need (or want!) to know about money, Frich is catered towards women in their twenties, as they make their way through one of the most "financially blurry" decades of their lives.

The app was created by two women, Aleksandra and Katrin, who were curious to what other people, particularly Gen Z, were doing to manage their money.

Frich provides real answers from the multitude of users who have anonymously shared their ideas, thoughts and recommendations on how to reach their financial goals.

The App has been backed by known brands like: Antler, Restive, and Goodwater.

Key features include:

1. A variety of financial topics: including money and relationships, planning for the future, debt, and the connection between money and our social lives
2. Answers in abundance: Frichs weekly newsletter provides all of the answers to Gen Z's financial qualms

#5) Kiro (Previously Mongo App)

With 75% of Gen Z reporting they’re stressed out about their finances, this app has been long overdue!

Combining finance and economics, The Kiro app was created by Anisa Chowdhury, a female professional who has an MBA from The London Business School and studied Economics and Political Science at the University of Pennsylvania.

Designed to be used by millennials and Gen Z, however, not specifically just women, Kiro is a money sidekick that supports users with saving, budgeting, taxes, and investing – all with minimal stress – and the promise of bringing financial clarity, confidence, and results to individuals in the UK and US.

Key features include:

1. Real-time insights: Kiro has its own dashboard that automatically updates, ensuring you’re getting the right financial insights for you
2. Expert resources: written by Anisa Chowdhury herself, covering topics like side hustles, having a mindful approach to money, investing, and student loans
3. Supported by big brands: like Natwest, Forbes, Aviva, and Founders Factory

#6) Alinea

On a mission to change the way Gen Z feels about investing, Alinea was built for beginners, welcoming women who want to learn more about financial investments – but don’t know where to begin.

Sharing content in the form of playlists, the Alinea app spans topics like stock picks, quarterly earnings, ethical and sustainable investments, and diverse stock portfolios.

Alinea is also an SEC Registered Investment Advisor, (RIA), which is an organisation or business that provides investment advice and manages client portfolios. Their credibility stems from their need to register with the U.S. Securities and Exchange Commission (SEC), or a state securities regulator in order to hold this position.

Key features include:

1. Custom-build playlists: users can join different playlists, which means they can filter the content they wish to see on the app based on their interests
2. SEO Talks and Share Series: over 80+ "CEO Talks" videos for users to watch and learn from industry leaders
3. Personalised strategies: every user follows a plan that suits them and their financial objectives
4. 7-day free trial: for users who want to see what Alinea is all about

#7) Ellesvest

Optimised for women, Ellesvest provides an array of financial planning and wealth management services for women from all different backgrounds and financial realities.

Knowing that traditional financial support tools weren't built with women in mind, Ellesvest wants women to feel seen, heard, and educated when it comes to their financial decisions.

Key features include:

1. Different levels for different women: you’ll get matched with a financial expert based on your specific needs
2. Completely female-led: great for women who want to work with women
3. A variety of different capabilities: such as impact investing, generational wealth, tax loss harvesting, and inheritance
4. Multiple resources in the form of: eBooks, articles, blogs, and studies

#8)Propelle

One of the first investing apps for women, Propelle was founded by Ayesha Ofori, a woman on a mission to help reduce the gender pay gap between men and women.

The app is packed full of educational resources like bitesize lessons, structured courses, and bespoke webinars, focusing on investing as a woman, building financial freedom, and feeling creating more wealth over longer periods of time.

With access to financial experts and weekly Q&A sessions with like-minded members, the app also has its own individual investment offering, making it financially flexible and accessible to as many women as possible. There’s no need to visit an external bank, or speak to a financial advisor, as everything you need to know about investing, is included in the app.

Key features include:

1. Plenty of community support: the app thrives on conversation, engagement, and collaboration
2. Various investment offers: Propelle has partnered with Vanguard, BlackRock, and HSBC so users can comfortably invest money from their personal ISA accounts within the app
3. Practical tools: like their own goal-setting calculators and risk assessments that are tailored to each user's financial situation

Take Control of Your Financial Future

While it’s clear that we’re making serious strides in closing the gender gap in financial literacy, there’s still more work to be done.

The good news? Women today have more tools, resources, and support than ever before to take charge of their finances.

Whether you're taking your first steps towards financial independence or looking to grow your money mindset, there’s an expanding number of financial apps, communities, and platforms built with women in mind to help you feel informed, confident, and in control of your financial future.

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