Consumers aren’t just experimenting with AI — they’re starting to trust it to manage money.  

This year, 55% of consumers are already using AI to help manage their personal finances, while last year, just 10% were doing so, according to TD Bank‘s 2026 U.S. AI Insights Report, which surveyed more than 2,500 consumers nationwide and was conducted by Big Village Feb. 18-25.  

“Consumers are embracing AI across all areas of their lives, but it was great to see that big of a leap in managing personal finances,” Ted Paris, head of analytics, intelligence and AI at TD Bank U.S., told FinAi News. 

Among AI-driven personal financial management applications, consumers are gaining comfort using AI-enabled offerings for:  

• Budgeting, 62%; 

• Automating savings goals, 61%: and 

• Saving for big purchases or life events, 59%. 

Additionally, consumers are more open to using AI for “behind-the-scenes” financial services, including: 

• Product or services recommendations, 68%; 

• AI-enabled fraud detection or alerts, 67%; 

• AI-driven spending tracking, 66%; and 

• AI-enabled credit score calculation, 66%. 

At TD, the bank is focused on “behind-the-scenes” applications of AI, Paris said, noting these include “back-office and operational use cases, streamlining processes, creating capacity and improving how work gets done.” 

Compared to last year, fewer consumers prefer human-only interactions, according to the report. 

“The future of AI in finances is shaping up to be hybrid,” Paris said. “Combining intuitive, self-service tools for everyday money management with trusted, behind-the-scenes intelligence that helps clients make better financial decisions.” 

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