Artificial intelligence is quickly becoming a budgeting buddy for thousands of Americans. Whether they're tracking spending or seeking investment ideas, more people are turning to AI tools like ChatGPT for help with financial decisions. A new CouponFollow survey of over 1,000 U.S. adults, including small business owners, reveals how regular AI users stack up financially against non-users.
Many Americans are using AI tools not just for convenience, but for real savings.
Over 2 in 5 respondents (42%) said they rely on AI to manage their money, with 12% reporting that they consult it daily for financial advice. On average, these AI-assisted users reported saving $350 per month. ChatGPT users saved even more, averaging $380 a month by using AI to manage their finances. Regular AI users were also 2.4 times more likely to feel "very confident" about their financial situation compared to those who don't use AI.
When it comes to building wealth, AI users are ahead of the game. Those who regularly use AI for money management had 48% more in investment portfolios and 36% more in savings than non-users. ChatGPT users saw even greater gains, holding 41% more in savings accounts compared to those who never use AI tools.
AI may also be fueling entrepreneurial ambitions. Over a quarter of respondents (26%) used AI to help launch a side hustle, taking advantage of tools to generate ideas, plan budgets, or forecast earnings.
While AI is helping many consumers feel more in control, some concerns remain.
Among AI users, 68% reported feeling more confident about their finances since adopting these tools. Slightly more ChatGPT users felt this way (70%). Still, half of the users pointed to inaccuracies as a concern of AI-generated financial advice. Another 45% expressed worries about security or trust.
Despite these concerns, many Americans seem to believe these tools will improve. Over half (63%) believe AI will replace traditional financial planners within the next 5 years or so.
Business owners aren't being left behind in the AI revolution. Here's how they're using AI tools for financial help, and the benefits they're seeing.
Among business owners surveyed, 15% said they use AI daily to manage business finances, while another 16% do so weekly. These early adopters are seeing substantial benefits.
More than one-third of business owners who use AI said it helped them avoid layoffs or cutbacks. Many also experienced gains in key financial areas. For example, daily AI users were three times more likely to have secured funding in the past year compared to non-users. They were also twice as likely to have an excellent business credit score.
Perhaps most compelling, 69% of AI-using business owners said profitability improved in the past year, which shows AI's potential to drive smarter, more efficient operations.
AI tools are quickly becoming a go-to for people looking to stay on top of their money. Whether it's sticking to a budget, finding ways to save, or making business decisions, regular users are seeing better results and feeling more confident. As AI gets easier to use and more accurate, it could work hand-in-hand with other money-saving tools like CouponFollow to help shoppers save both time and money every day.
A survey of 800 Americans and 209 business owners was conducted on October 24, 2025, to explore the relationship between AI usage and financial health. Respondents shared their AI usage habits and self-reported financial information, including savings, credit scores, and investment activity. Business owners also provided insights into business credit, funding access, and profitability. Survey responses are self reported.
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