Top 55 Personal Finance Startups to Watch in 2026
The personal finance sector is attracting major investment around the world. Companies are developing tools for everything from wealth management to cash advances for workers.
South Korea's Toss has raised $1.4B, while Canada's Wealthsimple secured CA$1.1B in funding. Other notable companies include Ualett, which provides cash advances and has raised over $206M.
Below is our list of 55 Personal Finance startups worth keeping an eye on.
Failory's Top 10 Picks
Atomic builds API infrastructure that enables fintechs and financial institutions to offer embedded investing and savings products. Their platform allows partners to quickly launch custom wealth management experiences directly to their own customers.
| Headquarters | San Francisco, California, United States |
| Year Founded | 2020 |
| Founders | David Dindi, Emma Marriott, Marco Alban-Hidalgo |
| Funding Amount | $55.1M |
| Startup Size | Mid-Size Team (51-250) |
| Last Funding Status | Venture Round |
| Top Investors | QED Investors, Samsung NEXT, Aquiline Capital Partners, Y Combinator, Anthemis |
Finary built a platform that allows users to track and manage their entire wealth portfolio from a single online dashboard. The service automatically aggregates diverse assets, including bank accounts, investments, and real estate, to provide a comprehensive, real-time view of one's net worth.
| Headquarters | Paris, Ile-de-France, France |
| Year Founded | 2020 |
| Founders | Julien Blancher, Mounir Laggoune |
| Funding Amount | €37.4M |
| Startup Size | Founding Team (1-10) |
| Last Funding Status | Series B |
| Top Investors | LocalGlobe, Speedinvest, Y Combinator, Crowdcube, Kima Ventures |
Ualett provides independent workers in the United States with online cash advances through its mobile app. The platform is designed to help gig economy professionals bridge income gaps with quick financial support.
| Headquarters | Wilmington, Delaware, United States |
| Year Founded | 2018 |
| Founders | Ricky Michel Presbot, Wilfredo Vidal, César Cabrera |
| Funding Amount | $206.2M |
| Startup Size | Mid-Size Team (51-250) |
| Last Funding Status | Debt Financing |
| Top Investors | Thiele Capital Management |
TomoCredit has developed a credit card that helps individuals build credit without relying on a traditional FICO score. The company uses an AI-driven underwriting model to assess financial data, offering access to credit for those often overlooked by major lenders.
| Headquarters | San Francisco, California, United States |
| Year Founded | 2018 |
| Founders | Dmitry Kashlev, Kristy Kim |
| Funding Amount | $139.1M |
| Startup Size | Mid-Size Team (51-250) |
| Last Funding Status | Debt Financing |
| Top Investors | Techstars, Morgan Stanley, Kapor Capital, Ulu Ventures, Gold House |
Array provides a platform of embeddable financial tools that help other companies launch their own credit and identity products. Businesses use their white-label components to offer features like credit monitoring and identity protection directly to their customers.
| Headquarters | New York, New York, United States |
| Year Founded | 2020 |
| Founders | Martin Toha, Phillip Zedalis |
| Funding Amount | $67M |
| Startup Size | Large Team (251-1,000) |
| Last Funding Status | Venture Round |
| Top Investors | General Catalyst, Battery Ventures, Bossa Invest, Nyca Partners, SAV (Scale Asia Ventures) |
Capital.com built an investment trading platform to help people participate in financial markets. The fintech company offers access to a wide range of assets through its user-friendly app and web-based service.
| Headquarters | London, England, United Kingdom |
| Year Founded | 2016 |
| Founders | Viktor Prokopenya |
| Funding Amount | $25M |
| Startup Size | Major Organization (1,001-5,000) |
| Last Funding Status | Series A |
| Top Investors | VP Capital |
SmartAsset operates an online platform with financial tools and advice to help people navigate complex money decisions. The platform powers SmartAdvisor, a leading client acquisition platform that connects consumers with financial advisors.
| Headquarters | New York, New York, United States |
| Year Founded | 2012 |
| Founders | Michael Carvin, Philip Camilleri |
| Funding Amount | $161.4M |
| Startup Size | Large Team (251-1,000) |
| Last Funding Status | Secondary Market |
| Top Investors | Y Combinator, TTV Capital, FJ Labs, SV Angel, Contour Venture Partners |
Wirex developed a digital payment platform that makes crypto and traditional currencies equally accessible. Its app and payment card let users buy, hold, exchange, and spend dozens of digital and fiat currencies worldwide.
| Headquarters | London, England, United Kingdom |
| Year Founded | 2014 |
| Founders | Dmitry Lazarichev, Georgy Sokolov, Pavel Matveev |
| Funding Amount | $27.8M |
| Startup Size | Large Team (251-1,000) |
| Last Funding Status | Series B |
| Top Investors | SBI Group |
Wealthsimple builds a range of financial tools to help people grow and manage their money. Their platform offers services for automated investing, commission-free stock trading, and even cryptocurrency, making sophisticated financial products more accessible.
| Headquarters | Toronto, Ontario, Canada |
| Year Founded | 2014 |
| Founders | Brett Huneycutt, Michael Katchen, Rudy Adler, Som Seif |
| Funding Amount | CA$1.1B |
| Startup Size | Large Team (251-1,000) |
| Last Funding Status | Private Equity |
| Top Investors | Base10 Partners, Inovia Capital, TCV, Two Sigma Ventures, ICONIQ Growth |
Toss builds a comprehensive mobile platform that puts a full suite of financial services into one app. Their product simplifies personal finance, offering everything from simple money transfers and payments to more complex services like loans and insurance.
| Headquarters | Seoul, Seoul-t'ukpyolsi, South Korea |
| Year Founded | 2011 |
| Founders | Seunggun Lee |
| Funding Amount | $1.4B |
| Startup Size | Major Organization (1,001-5,000) |
| Last Funding Status | Series G |
| Top Investors | Bessemer Venture Partners, HSG, Goodwater Capital, PayPal, FJ Labs |
45 Additional Personal Finance Startups Worth Following
Those top 10 companies are just the beginning of the story. There are many more founders building tools to help people with their money, and together they've raised billions of dollars to do it.
Some are just getting started, while others have been around for years. Here’s a look at the rest of the companies shaping personal finance.
| Startup | Main Industry | Year Founded | Amount Raised | Last Funding Round |
|---|---|---|---|---|
 Catch | Media | 2017 | $20.1M | Series A |
 Kiwi | Fintech | 2020 | $90.8M | Series A |
 Prosper Marketplace | Fintech | 2005 | $503.5M | Debt Financing |
 Beem | AI | 2020 | $27.2M | Debt Financing |
 Self Financial | Fintech | 2015 | $127M | Series E |
 Candidly | AI | 2016 | $46.3M | Series B |
 Lightyear | Fintech | 2020 | $58.5M | Series B |
 Alto Solutions | Fintech | 2016 | $70.3M | Series B |
 Pontera | Marketplace | 2012 | $159.3M | Venture Round |
 Wealthfront | Fintech | 2008 | $274.2M | Convertible Note |
 Kikoff | Fintech | 2019 | $42.5M | Series B |
 Fruitful | Fintech | 2021 | $37M | Series A |
 WeLab | Fintech | 2013 | $899.5M | Undisclosed |
 Snapmint | Fintech | 2015 | $47.8M | Series B |
 SOLmate | Fintech | 2017 | $4.3M | Seed |
 Pockit | Fintech | 2012 | $49.6M | Venture Round |
 Abound | Fintech | 2020 | £1.6B | Debt Financing |
 Deem Finance | Fintech | 1918 | $400M | Debt Financing |
 Moneyview | Fintech | 2014 | $188.3M | Venture Round |
 Fibe | Fintech | 2015 | $245.6M | Debt Financing |
 Arohan Financial | Fintech | 2006 | $64M | Venture Round |
 Kueski | Fintech | 2012 | $323.3M | Venture Round |
 WeRize | Fintech | 2019 | $25.8M | Series B |
 Crediclub | Fintech | 2005 | $80M | Private Equity |
 Guiabolso | Fintech | 2012 | $66M | Venture Round |
 Minna Technologies | Fintech | 2016 | €25.3M | Series B |
 Advanto | Media | 2019 | $3.1B | Debt Financing |
 PropShopTrader | Fintech | 2024 | $2.4M | Seed |
 Gorila | Fintech | 2016 | $27.5M | Series B |
 ComparaOnline | Enterprise | 2009 | $33.1M | Series C |
 Knoma | Fintech | 2018 | $32M | Venture Round |
 Finku | Media | 2021 | $2.8M | Seed |
 STRATxAI | Fintech | 2022 | $2.4M | Seed |
 Climb | Enterprise | 2016 | $10.6M | Series A |
 Enento Group | Analytics | 1905 | $180M | Debt Financing |
 Quantec | Fintech | 2016 | $20.4M | Series C |
 Linxo Group | Media | 2010 | $26.2M | Venture Round |
 BudgetBakers.com | Fintech | 2010 | $7.9M | Venture Round |
 Mokka | Fintech | 2012 | $27M | Undisclosed |
 MoreGrowth | Media | 2022 | $5M | Pre-Seed |
 OTP Leasing | Fintech | 2007 | €20M | Grant |
 Tuandaiwang | Fintech | 2012 | CN¥2.4B | Private Equity |
 Horde | Media | 2018 | $5.2M | Seed |
 Uptomore | Fintech | 2020 | €3M | Seed |
 Divplan | Infrastructure | 2019 | $25k | Seed |
