Question: I'm looking for a tool that provides real-time insights into my spending habits and offers personalized financial advice.

If you want a service that offers you real-time insights into your spending and offers you advice, Cleo is a great choice. It links to your main bank accounts to offer you a personalized budget, spending tracker and financial goal-setter. Cleo offers daily spend limits, low balance warnings, bill payment management and chat support. It also offers "Roast" and "Hype" modes for tongue-in-cheek and congratulatory assessments, credit-building tools and cash advances. It uses 256-bit encryption and has a 4.6-star rating on the App Store.

Another contender is Kniru, an AI-powered financial advisor that offers super-personalized financial management. Kniru covers a variety of financial planning areas, including investment advice, expense tracking, retirement planning, tax advice and loan and credit management. It offers personalized savings suggestions, bill due date reminders, overspending alerts, anomaly detection and portfolio tracking. You can easily connect accounts from the United States, Canada and India, with the UK on the way.

Parthean is another good option. This AI-powered system automates and optimizes financial tasks like saving, investing and paying off debt. It offers real-time insights, spending tracking and personalized financial planning. Parthean uses bank-level encryption and anonymizes data processing. It offers a 1-month free trial followed by a subscription-based model with access to AI insights and unlimited financial accounts transfers.

If you want a tool with a broader range of financial management features, check out Cashews. This service offers real-time insights into income and expenses, financial goal setting and smart alerts to keep you on track with financial responsibilities. Cashews puts a big priority on user data privacy and security, with a subscription model that doesn't share or sell user data. It's designed to help you make informed financial decisions and develop good spending habits.