Question: I'm looking for an app that helps me track my spending and provides personalized budgeting advice.

If you want an app that'll track your spending and offer you some budgeting advice, Cleo is a great choice. The AI-powered financial management assistant links to your main bank accounts to provide you with insights and advice. Cleo offers features like daily spending limits, low balance warnings and chat support, and you can sign up for a free plan or pay for a membership. It also protects your data with 256-bit encryption and read-only access.

Another good option is WeFIRE, which is designed to help you optimize your financial situation with personalized services. The service offers tools like spending insights, cash flow analysis, timely notifications and a FIRE Plan to track your progress and budget. WeFIRE protects your data with multi-factor authentication and data encryption, and offers a range of pricing options, including a one-time purchase.

Monarch is an all-purpose financial management service that combines account tracking, spending management and investment analysis. It offers AI-powered transaction categorization, flexible budgeting and investment tracking, and secure collaboration. Monarch protects your data with bank-level security and offers unlimited collaborators, with a monthly subscription.

For a more general-purpose financial tracking tool, check out Fina. The service offers custom categories, personal metrics tracking, flexible budgeting and scenario planning. Fina protects your data with AES-256 encryption and TLS, and offers an AI-powered question-answering feature. It's available in two pricing tiers and offers a free trial, so it's a good option if you want a flexible and secure way to manage your money.