Source-backed analysis11
Review basis
Research-based review: the AppDuo Editorial Team compiled it from official pages, documentation, app stores, press and user feedback, without hands-on testing. Every claim links to a source with the date it was checked.
11 reference sourcesInformation updated Nov 11, 2026
How we review
SuperMoney Review
AI personal finance app from SuperMoney, paid after a free trial
By AppDuo Editorial Team · Fact-checked
- Web
- iOS
- Android
On this page
Decide at a glance
Our verdict
SuperMoney suits US-based users who want budgeting, net worth, credit score and loan or refinancing suggestions in one app and will pay a subscription. The trade-offs: it is new, English-only, costs $19.99/month, has few independent reviews, and its privacy terms allow data use for advertising and marketing.
Best for: US users who want an AI to suggest their next financial steps
Skip it if: Anyone who needs a free or low-cost app
Pros
- Budgeting, net worth, credit score, goals and bill tracking in one app
- Sense AI suggests prioritised next steps and answers questions using linked accounts
- Vendor states SOC 2 Type II certification and 256-bit encryption
Cons
- $19.99/month or $149.99/year; the vendor's own app page says cost may be a barrier
- Per the App Store label and privacy policy, data may be used for tracking and advertising and shared with marketing partners; the App Store also flags the app as containing ads
All pros and cons · Who is it for?
More pros
- App Store: 4.9/5 from 46 ratings; company operating since 2013
More cons
- Released August 2025 with few independent reviews (46 on the App Store, none on Product Hunt)
- English-only interface; no official pricing page comparing plans
Best for
- People who want budget, net worth and credit score in one app
Skip it if
- Users outside the US, anyone needing a non-English interface, or anyone unwilling to have financial data used for advertising
Experience & key features
SuperMoney is a personal finance app from SuperMoney, LLC (US). According to Wikipedia, the company began in 2013 as a personal finance blog, grew into a financial-services comparison platform and launched an AI personal finance app in 2025. The homepage says the app runs on web, iOS and Google Play and claims "2 million members since 2013", a vendor-stated figure.
Per the vendor, the app offers a budget built from actual spending, net worth tracking, credit score monitoring, goals, a daily finance feed and the Refi Robot, which shops for better loan or refinancing offers in the background. Sense AI looks at income, spending, debt and savings together and suggests prioritised steps, and you can ask questions about your finances based on linked accounts.
The US App Store lists a $19.99 monthly plan and a $149.99 annual plan, with 1-week, 2-week and no-trial variants. The vendor's app page lists $12.50/month billed annually, consistent with $149.99 ÷ 12. The app requires a paid subscription, yet the App Store still flags it as containing ads. SuperMoney.com is also an advertising-supported comparison site that says it may be paid for clicks, so the vendor's own app page is not an independent source.
On data, the vendor highlights SOC 2 Type II and 256-bit encryption, but its privacy policy allows sharing personal information with marketing partners, passing hashed identifiers to ad partners and using account data to train machine-learning models. The App Store label also says identifiers are used to track users across other apps. For an app that reads bank transactions, that is worth weighing before linking accounts.
It fits US users who are comfortable linking bank accounts and want concrete suggestions, not just spending charts. The sources opened do not say which countries are supported, and the interface is English-only. Anyone wanting a cheaper or free budgeting tool should look at alternatives, as no independent review has measured the accuracy of SuperMoney's suggestions.
Screenshots
Plans & pricing
Prices last verified Nov 11, 2026
Monthly
Personal$19.99/mo
$19.99/month on the US App Store and SuperMoney's own app page. The App Store description says the app requires a monthly or annual subscription; the store lists variants with a 1-week trial, a 2-week trial and no trial.
Annual
Personal$12.50/mo
$149.99/year on the US App Store, about $12.50/month; the vendor's app page also lists $12.50/month billed annually. No official pricing page comparing features by plan was found.
- Free plan limits
- No permanent free tier, only a trial. Trial length varies: the maker's Product Hunt post says two weeks, and the App Store lists both 1-week and 2-week variants.
- Free trial
- No free trial
Cancellation & refunds
Per the help center, cancelling turns off auto-renewal and access continues to the end of the current billing period; cancel before a trial ends to avoid a charge. The article says nothing about refunds and directs billing questions to [email protected].
Privacy
SuperMoney states it is SOC 2 Type II certified, uses 256-bit encryption at rest and in transit, that Sense AI analyses finances without accessing personally identifiable information, and that data is never shared with third parties without explicit consent (vendor claims; no audit report was available to check). Its privacy policy (last updated 5 November 2026, covering the app) says it receives balances and transactions through aggregators such as Plaid, MX, Finicity and Yodlee, may use account data to train machine-learning models, may share personal information with marketing partners, and passes hashed identifiers and device data to ad and attribution partners. The developer-reported App Store label says identifiers are used to track users across other companies' apps and websites, and that financial info, coarse location and email linked to your identity are used for the developer's advertising or marketing, among other purposes. The policy offers a right to delete, but says some data may be retained where the law requires.
SuperMoney alternatives
Controversies & incidents
Issues documented by the press, regulators, courts or the vendor itself. Every item is sourced; unproven claims are labelled as allegations. Last researched: Nov 11, 2026
- Low impactAllegedOther ·
Reviewer alleges loan-scam referral; SuperMoney cites impersonators
A Trustpilot reviewer alleges a link on SuperMoney's site led them to a scammer. The company denies referring them and says scammers impersonate its brand in advance-fee loan scams.
Read the full account
Per Trustpilot, a 1-star review (posted November 2024, updated June 2026) claims SuperMoney lets any bidder advertise on its site and that it led the writer to a scammer who took a large sum. This is one person's account, not established by any authority. In June 2026 SuperMoney replied that it did not refer the reviewer and that scammers impersonate its brand in advance-fee loan scams. Its help center says it never contacts people unprompted about loan approvals, lists upfront gift-card payments as a scam sign and advises reporting to ReportFraud.ftc.gov. AppDuo's searches found no lawsuit, fine or data breach involving SuperMoney.
Vendor response
On Trustpilot the company said it did not refer the reviewer and that scammers impersonate its brand; its help center says it never contacts people unprompted about loan approvals.
Sources:Trustpilot: supermoney.comSuperMoney help center: unsolicited loan approvals
Frequently asked questions
Is SuperMoney free?
Not permanently. There is a free trial; after that the US App Store lists $19.99/month or $149.99/year.
How do I cancel to avoid being charged?
Per the help center, cancel under My Account > Membership; this turns off auto-renewal and access lasts to the end of the paid period. During a trial, cancel before it ends. The article does not cover App Store or Google Play purchases, which the stores typically manage.
Is SuperMoney a lender?
No. Per Wikipedia, SuperMoney runs a comparison platform and a loan-offer engine that collects offers from lending partners; the Refi Robot searches for offers on your behalf. The company says it never calls, emails or messages unprompted to announce a loan approval.
Does SuperMoney use my data for advertising?
It can. The privacy policy allows sharing personal information with marketing partners and passing identifiers and device data to ad partners; residents of some states, such as California, can opt out of the "sale" or "sharing" of their data.
Does SuperMoney support Vietnamese?
No. The App Store listing shows English only.
Review evidence & sources11
Scores
- Ease of use
- 7.0
- Features
- 7.5
- Value for money
- 5.5
- Performance
- 7.0
- Support
- 6.5
- Privacy & security
- 5.5
Why this score
The vendor says sign-up takes under two minutes and the App Store rating is 4.9/5 (46 ratings), but the interface is English-only, and some user reviews on the vendor's page mention repeated attempts to connect accounts and a learning curve.
Why this score
Budgeting, net worth, credit score, goals, a daily finance feed, AI Q&A and the Refi Robot loan-rate search. No detailed documentation or independent evaluation of recommendation accuracy was found.
Why this score
$19.99/month or $149.99/year (about $12.50/month) with no free tier; the App Store still flags the paid app as containing ads, and the vendor's own page concedes cost may be a barrier.
Why this score
The App Store lists version 1.3.3 (updated 9 Nov 2026) and a 4.9/5 rating; some reviews on the vendor's page mention account-connection trouble. No independent data on stability or sync speed was found.
Why this score
A help center and [email protected], with no chat or phone channel found; the cancellation article states no refund policy. Trustpilot (covering SuperMoney's comparison site, not the app specifically) shows no billing complaints.
Why this score
The vendor states SOC 2 Type II, 256-bit encryption and no sharing without consent. But the privacy policy allows sharing with marketing and ad partners and using account data to train models, and the App Store label lists identifiers used for tracking and financial info used for the developer's advertising. No data breach was found.
What users say
- App Store (US)4.9/5 · 46
- Trustpilot (supermoney.com, comparison site)4.8/5 · 482
Sources
- Vendor-providedSuperMoney official homepageNov 11, 2026
- storeApp Store listing (US) and iTunes lookupNov 11, 2026
- Vendor-providedSuperMoney app page (vendor page with pricing and user reviews)Nov 11, 2026
- Vendor-providedHelp center: cancel subscriptionNov 11, 2026
- Vendor-providedSuperMoney help centerNov 11, 2026
- Community-reportedProduct Hunt: SuperMoneyNov 11, 2026
- Vendor-providedSuperMoney Product Hunt launch postNov 11, 2026
- pressWikipedia: SuperMoneyNov 11, 2026
- review-siteTrustpilot: supermoney.comNov 11, 2026
- Vendor-providedHelp center: unsolicited loan approvalsNov 11, 2026
- Vendor-providedSuperMoney privacy policyNov 11, 2026
Specs & compatibility
- Developer
- SuperMoney, LLC
- Headquarters
- United States
- Launched
- 2025
- Category
- Finance
Capabilities
- AI features
- Mobile app
- Integrations
Platforms
- Web
- iOS
- Android
Interface languages
- English
Integrations
- Bank, credit card, loan and investment account linking
- Refi Robot (loan offer engine)
Support
- Help center
Change history
- Feature.The App Store lists version 1.3.3, updated 9 November 2026.
- Feature.SuperMoney launched on Product Hunt, ranking #5 of the day.
- Launch.The SuperMoney: Budgeting AI app was released on the US App Store.
Full change history (4)
- Launch.Miron Lulic founded SuperMoney as a personal finance blog; it later became a review and comparison site for financial products.
About the author
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