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Finance Startup Ideas

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A “personal finance tool” for people with less than $50,000 to help them with financial management.

1,150

A software company that allows musicians to completely manage their band’s finances, including booking, money management, and accounting.

624

A startup that helps people manage their money, including budgeting and paying bills. The company wants to become a finance hub for consumers.

157

The startup is a spin-off of a company called Hint, which was founded in 2015 to help people make better decisions about personal finance. The data can be used to help consumers identify opportunities for savings and investments, and Hint says one in three Americans don’t have enough money saved.

133

A “do-it-yourself” set of financial tools for people looking to manage their finances.

130

A platform that uses machine learning to help people manage their finances. It currently has a team of 28 people.

124

A platform for people to learn their own personal finance. The startup uses gamification to teach users about their finances and to promote financial literacy.

97

A “Facebook for your finances”, enabling people to see where their money is going and how it’s being spent.

92

A platform designed for individuals and small businesses that helps them manage their finances.

92

A startup that lets real estate agents manage their finances and “build” their listings on a SaaS platform.

88

A company that makes a customizable app to help employees manage their personal finances, with tools like a budgeting planner and a personal finance tracker.

88

A way to build a better personal finance management system, by automating the process.

87

A startup to help people manage their finances, including budgeting, investing, and insurance.

86

Idea: An online platform for verifying resumes for job-seekers The startup is working with employers like Microsoft, with plans to expand to the finance, health, and education sectors

85

A microfinance platform for the poor that provides an online finance management system. It helps with credit, savings, loans, and building businesses.

85

A startup that works with large finance companies to build a tool to help them understand their customers’ credit scores.

85

A SaaS service that helps small businesses and churches manage their finances and bookkeeping and other accounting tasks.

83

A startup that helps people streamline their personal finances. The startup helps users organize their finances and get a budget. They currently have $6,000 in monthly revenue.

82

A startup that specializes in helping people who are struggling with their finances. The app helps people budget their money and spend wisely.

81

This personal finance app helps users track and manage their finances. It’s also a platform for sharing ideas and tracking financial goals with friends.

80

A personal finance service that helps people pay down their debt from multiple cards in a single monthly payment.

79

This startup offers tools to help people manage their personal finances

79

A tool for users to organize and plan their life and finances. The app also considers what people need and what they want to have, and then it suggests the most optimal way to get them both.

79

A startup that helps you make sense of your finances and get new clients.

78

A startup that helps people take more control over their finances by giving them more information on their activity and offering a way to earn rewards.

77

A peer-to-peer lending company that focuses on college students. The company says it’s in talks with a few large consumer finance companies and would like to see itself included in student loan refinancing programs. They’re based in Delaware.

77

A platform that provides personal finance advice in the form of an AI-powered personal financial advisor. The startup is currently in private beta.

77

A mobile app for the elderly that helps them track medications and manage their finances.

76

This startup is building a platform for college students to manage their finances. It was built for students at a New York university, but the startup is raising a seed round to expand into more campuses.

75

A platform for businesses to use and manage their international trade finance more easily, helping them avoid the costs and delays of traditional financing.

75

A startup that helps people manage their finances and credit scores. The company offers mobile credit monitoring and a personal finance management tool.

75

A personal finance app that lets users track their expenses and net worth.

75

A web-based accounting tool that helps businesses manage and track their finances.

74

A personal finance app that provides a dashboard to track spending, credit, and savings.

74

A startup based in San Francisco that aims to help people more easily track their personal finances. The startup is building an app with an “expense tracker” that lets you add and organize expenses and bills.

73

A company that builds products that help people understand their finances and save money. It saves customers money in the form of lower interest rates and lower cost of credit, and it pays interest on all savings in a person’s bank account.

73

A real estate focused business that connects tenants and landlords. The startup is a bit like Rocket Mortgage, a company that helps people with bad credit refinance their home loans — the startup’s focus is more on the landlord side of the equation. The startup charges a monthly fee of $50 for their service.

73

The startup is building a toolset to help people in the UK understand their personal finances and see how they stack up against the national average.

73

Speaking of the “Ikea of finance”, this startup is building a digital platform that lets you build your own financial portfolios.

73

A social network for those in finance, made with the goal of “reducing the cost of the financial system by democratizing access to financial markets.”

73

Launched in August, this is an open-source chatbot that can handle both finance and consumer-facing business.

72

A community that helps students of the University of California and beyond get the finance and career capital they need to start their own business.

72

A startup that helps people understand their finances by helping them compare their spending to income, spending history, and trends. The startup wants to make people more aware of their personal finances.

72

A software-as-a-service platform that helps people easily manage their credit and student loan accounts. The startup is also building a personal finance dashboard.

72

A tool for managing your finances in a single place. The startup wants to help people take care of their money, and also wants to help people manage their money, as many people are not doing so.

70

A startup that wants to make the “banking process” easy for millennials. The CEO says that half of millennials don’t have checking accounts, and another third don’t have credit cards. They want to do for banking what Mint did for personal finance.

70

A community for young adults that wants to help them get into finance and grow their careers.

68

A startup that helps small businesses keep track of their finances. The company is an online invoice management system that helps companies manage invoices and costs more than $300 million in annual revenue.

68

This is a personal finance software that helps people save for retirement and future goals.

68

A platform that helps the elderly maintain independence and control over their finances. The company wants to provide financial tools to help the elderly maintain independence and control over their finances.

67

A company building a blockchain-based trade finance platform that uses its own token to make the process more efficient. It’s currently in a pilot phase in Europe.

67

A software company that helps small businesses organize their finances online. They’re currently building a product for contractors.

67

A personal finance podcast for people looking to make more money. It’s subscription based.

67

A platform that helps small businesses manage their finances by bringing together all their bank accounts and credit cards into one dashboard for employees, and for employees to request payments.

66

The company's app is designed to help consumers monitor the health of their finances, including credit scores, debt and income. The application, which is in beta, is available for Android and Apple iOS smartphones.

66

This is an application for trading 2nd, 3rd, and 4th mortgages. The startup has raised $1.4 million from investors like Alphabet’s GV and Comcast’s NBCUniversal Ventures. Prior to YC, the company raised $1.2 million in seed funding from investors like Cowboy Ventures, Lerer Ventures, Social Starts and Social Finance.

66

This app is a replacement for spreadsheets. The app helps users manage every aspect of their finances, including contracts, invoices, and approvals. The startup offers a monthly subscription fee for the software and gives users a free trial period.

65

A personal finance startup that helps you have money at a higher level of granularity.

65

A startup that sells a service for doing an initial audit of a company’s finances to help them get on track

64

A tool to help people understand their finances, in the form of an app that takes a person’s income and expenses and tells them how much to spend each month. The startup is also building a tool to help people understand their credit scores, and is working with several credit scoring agencies.

63

A startup that helps farmers and businesses avoid the high cost of getting loans, especially through microfinance.

63

This startup is building a personal finance app that lets users save money by exchanging their data for rewards, and then seeing the points they earn in real-time through an app for their mobile device.

63

A platform that promises to help people manage their personal finances by combining the power of artificial intelligence with the power of crowd sourcing. The company wants to make the financial management process more efficient and accessible.

62

A tool used to connect small businesses with customers and suppliers, allowing the businesses to manage their finances from anywhere in the world.

61

A startup that wants to help you manage your finances with one more simple app. The startup’s app provides an all-in-one dashboard of your money that lets you see a breakdown of your spending, sort your expenses by category, and see when you’re getting close to hitting your budget.

61

A startup that sells a tool that helps people manage their finances (especially for people with ADHD) A startup that provides a service to help people of Chinese heritage learn about their family’s history

60

A way for companies to manage their finance teams and get a better handle on spending by sharing information in one place.

60

A software platform that empowers small business owners to manage their finances and take control of their lives.

58

A digital-first finance company with a trading platform that lets investors share portfolios across accounts and invest using multiple currencies. The startup wants to compete with traditional brokerages by using a similar toolset.

58

A smartphone app that helps a person manage their finances in real-time, with the goal of helping people make better financial decisions.

58

A microfinance company that provides small loans to farmers in India to help them hedge against the possibility that their crops might fail.

57

This personal finance startup plans to help people make better financial decisions–based on AI and behavioral science. It hopes to use machine learning to help users make better decisions based on data, rather than allowing people to just “use their gut”. The company is based in San Francisco, but is looking to hire a CTO.

56

A startup that helps business send out invoices, collect payments, and generally manage a business’s finances.

56

This app will help people easily manage their finances and investments with annual spending and expense reports.

55

A B2B platform that serves the needs of HR and finance departments to manage their rosters and payrolls.

54

This startup wants to help people manage their finances through a simple, smart, and mobile-friendly interface. It has raised $1.3 million to date.

54

A tool for managing your personal finance. It’s a one-stop-shop for all your banking and insurance needs, as well as a platform for your investments.

52

The company’s purpose is to help finance businesses manage their payrolls. They’ve already signed up over 17,000 companies across the US.

52

A startup that makes it easier for people to get loans from a bank by letting them use their savings accounts to finance their loan.

50

An online payments solution for small businesses in the finance, insurance, and healthcare verticals.

46

The startup is building out an app that helps small businesses with accounting and cashflow. It’s meant to help businesses manage their finances by making it easy to create invoices, track sales, and keep track of cash.

45

A platform that helps busy people manage their finances, including personalized budgeting and credit card management suggestions.

45

A tool for students to earn money and help people finance their education.

45

A platform to help people easily track their finances. The company is focusing on “low-risk” investments to make it easier for even the novice to invest.

43

A company that makes it easy for people to manage their expenses. It’s like Mint for personal finance.

43

A company that makes it easier to create interactive dashboards and reporting for finance teams.

43

A tool to help finance teams and executives track their spending and generate reports that can be used to improve management of funds.

42

A digital finance platform for businesses in the UK.

40

A software company that’s helping people organize their finances on their phones. The software was built by the founder of a financial services company that was acquired by VC firm Andreessen Horowitz.

40

A tool that helps anyone in the world track their spending in real-time. The startup is building an app for users to report their spending and personal finance habits.

40

A set of tools that help people raise money from friends and family to finance their businesses. The startup's founders once raised nearly $600,000 from friends and family in just 48 hours.

40

A startup that aims to make it easy for people to do some of the more tedious work of the business finance and accounting, like reconciling bank statements.

40

A product that helps consumers get a clear perspective on their finances

39

These are tools that help people manage their personal finances — including things like credit cards, bank accounts, budgets, and investments.

37

A startup that sells a $10 device for managing your finances.

37

A bookkeeping startup in Argentina that helps small businesses and freelancers track their finances.

36

This startup is creating a tool for small businesses to manage their finances by sending invoices and tracking payments.

35

A simple tool that gives people a way to track their finances, with a focus on building a community. It’s just launched in beta and says it’s already gaining traction in the SF Bay Area.

34

A startup that gives you a way to help manage your finances without having to go to a full-service bank. The startup wants to serve as a more simple way for consumers to manage their finances and wants to be a part of the conversation around empowering consumers.

34

A personal finance management app for managing credit scores, debt and budgeting.

34

A tool for the finance industry to track and report on customer payment history.

32

A startup for managing and sharing finances across teams. The startup helps teams like money managers and HR teams.

32

A new kind of digital wallet that helps people plan and track their finances, manage their spending, and get support from their bank. The startup wants to be a “one-stop shop for financial services” that includes a portfolio, banking, investing, and insurance.

32

A company that provides personal finance management for freelancers and small business owners, allowing them to see their month-to-month spending, and make decisions about saving on a budget.

31

An on-demand, on-the-go learning platform for executives that helps them quickly learn anything from marketing to HR to finance to sales. The company recently raised $1.5 million in venture capital.

31

The world of finance is changing dramatically, and there’s a lot of confusion around how new technologies like fintech will impact financial services. Fintech can take the form of apps, startups, and platforms, or it can be composed of a mix of all three. Fintech is a catch-all term that can include everything from cryptocurrencies, to artificial intelligence, to machine learning, and more. Fintech startup solutions help companies navigate these changes.

30

A chatbot that helps users with their finances. The startup says that it has already run a pilot with a few companies.

30

Manage your small business finances from your phone

29

A startup that helps B2B companies automate their expenses. The company’s software is built to be used by the finance department to track expenses, and to automatically reconcile them with the appropriate accounting system.

28

A software company that aims to provide a suite of tools to help people avoid missing payments. It handles a lot of the back end for consumer finance companies, including student loans and credit cards.

28

A tool for people to track and visualize their financial transactions. The startup is building the platform around the idea that people don’t want to track everything, but they want to track their finances.

27

This startup is building a platform that lets small businesses have a single point of entry into the finance system, with a dashboard that shows all their expenses and income.

26

A startup for businesses to quickly and easily manage their finances.

26

This startup wants to help people manage their finances by allowing them to invest their money in index funds that are managed by a team of professionals.

26

The company is focused on building a simple tool that helps users manage their personal finances, and has pivoted from an expense and bill tracker to a retirement planning tool.

25

A premium subscription service for people who want to track their finances, based on the idea that most people need a little help when it comes to money.

25

A personal finance app meant to simplify credit management and encourage good habits.

25

A business platform for Indian SMBs to better manage their finances. Over the last 12 months, the number of SMBs on the platform has grown 50%, with an average monthly transaction size of $3,500.

24

A digital tool that helps users visualize their finances in terms of debt, retirement, and savings.

24

A platform that helps you stay on top of your taxes. It helps you organize your finances and prepare your taxes in a way that’s easier and more efficient.

23

A platform for selling and buying your car or truck, financed with a monthly payment. The startup sold its first loan in May with former GM executive, Mark St. Pierre, leading the company.

23

A digital tool that helps people manage their finances. The startup is pitching itself as a tool to help people manage their cash flow and manage debt.

22

A product that aims to help the elderly manage their finances online. The idea is to make it easier for people to find information on managing their money online, and then give it to them at an age-appropriate level.

22

A personal financing tool that helps consumers save for retirement, borrow against their homes, refinance student loans, and reduce debt.

20

A product that helps freelancers manage their taxes and finances with one central hub, and set up their contract remotely.

18

A “SaaS-based accounting and finance tool for SMBs”. The company offers integrated accounting, payroll, accounts receivable and payable, bank account linking, invoice creation, and expense tracking through its cloud product.

18

A platform for creating and distributing podcasts. The company is currently in private beta, and has already sold $2 million worth of ad-free podcasts, which are spread across categories like health, finance, travel, and parenting.

15

This is an app for recording your expenses on the go, and a service that allows you to set up recurring bills and stay on top of your finances.

12

The startup is building a way for consumers to check their credit scores on their phones, so they can see what if they were to refinance a mortgage, apply for a credit card, or shop for a new loan.

12

This is a startup that builds financial products for the European travel industry, with a focus on the global student market. It offers a student loan re-finance product in the UK, as well as a personal loans product in the UK, Germany, and Ireland.

12

This startup has two co-founders, and they describe themselves as “…the first and only platform that helps [you] create and learn from inspiring and engaging content about personal finance, investing, and life.”

11

A personal finance management app that aims to help employees — especially those that work remotely — manage their personal finances.

7

A student loan refinance platform. The company is looking to partner up with large banks to refinance student loans.

7

A startup that sells a subscription service that helps people get organized It would help people keep track of their receipts and organize their finances

-1

A startup that helps people prepare their resumes for a job that they aren’t qualified for (IE they are a programmer and they want to apply for a job as a finance manager)

-1

A startup that provides software to help people with their finances by doing things like managing their budget

-1

Idea: A chatbot for Facebook Messenger that helps people manage their finances

-1

Idea: A simple way for SMBs to manage their business finances online

-1

Idea: A startup for managing your personal finances that can run on your phone

-1

Idea: A platform for small business owners, built to help them manage their business and provide finance and support for under-served communities

-1

Idea: A platform for professional athletes and teams to organize their finances and manage their careers from a digital dashboard

-1

Idea: This company is building a personal finance management tool for women that includes a feature to help them plan for their next vacation The startup says it has 5,000 weekly users who have created more than 10,000 budgets

-1

Idea: A way to help people manage their personal finances and set goals. Users see how much money they have in their bank accounts, credit cards, and brokerage accounts on a single dashboard.

-1

Idea: A startup that is helping self-employed professionals like doctors and dentists manage their finances.

-1

Idea: A personal finance management startup for college students. The startup helps students budget their expenses with the intention of graduating debt-free.

-1

Idea: A software company that helps small businesses manage their invoicing. The company targets small businesses that don’t have a dedicated finance team or want to outsource the work.

-1

Idea: A startup that helps people manage their finances by pulling in all their accounts from various banks and credit card companies. The company says it is profitable and growing quickly.

-1

Idea: An automated platform that helps small businesses manage their finances and bookkeeping. The company is looking to help businesses reduce time spent on administrative tasks while automating a lot of the accounting side of things.

-1

The startup wants to help people who have bad credit get a better score by helping them manage their finances and make more informed financial choices.

-1

Idea: An AI startup that wants to use deep learning to help companies find data scientists. The company has clients in the finance and insurance sectors.

-1

Idea: A way to automatically manage your finances that doesn’t require users to enter or re-enter any information. The startup is primarily focused on helping users pay off their debt.

-1

A startup that helps companies manage their books and finances, including keeping track of revenue, expenses, cash flow, and company financials.

-1

A startup that helps people with their personal finances using machine learning and personalized dashboards

-2