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9.5

Spot Score

Albert - Personal Finance Software

Detailed Review of Albert - Personal Finance Software Software 2025

Maximize your finances with ease.

1.8

(4)
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Albert offers custom pricing plan

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What is Albert?

Albert is compact but brilliant. It helps personal finance experts manage their finances, reduce fees and monitor performance with ease, put money to work by accurately calculating the ROI of any investment option, and facilitate expenses by planning budget, categorizing expenses, creating budgets online, and exporting PDFs.

Pricing

  • Albert offers custom pricing plan

Customer Type

  • Medium Business

  • Small Business

Platform Type

  • SaaS/Web/Cloud

  • Mobile - Android

  • Mobile - iOS

Albert software demo

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Albert was reviewed internally using user feedback, in-house testing, and market research to assess its performance, reliability, and user experience. Learn how we review products and our evaluation process.

Who Should Use Albert?

  • employee count

    Employee count: 1–50 Employees

  • industries

    Industries: Freelancing, Creative Services, Remote Work, Education, Personal Coaching, Gig Economy

  • Job titles

    Job Titles: Financial Analyst (personal use), Freelancer, Remote Worker, Personal Finance Enthusiast, Digital Nomad, Educator, Graduate Student, Young Professional

What are the key benefits of using Albert?

  • Smart Budgeting and Expense Categorization: Albert enables users to easily create and manage budgets, track expenses, and categorize spending. This allows for better visibility into where money goes and supports improved financial planning and control.

  • Built-In ROI Analysis and Investment Oversight: Albert offers tools to help users calculate the return on investment (ROI) across various financial instruments, empowering users to make data-driven decisions when it comes to growing their wealth.

  • Exportable Financial Reports: The ability to export financial data as PDFs makes Albert a useful solution for those who need to share summaries with financial advisors, apply for loans, or keep external backups of their financial records.

Explanation of Albert Key Features

  • Alerts

    Alerts in Albert are proactive notifications that inform users about key financial activities, such as low balances, upcoming bills, unusual spending, or deposit confirmations. These alerts are designed to promote financial awareness and help users make timely decisions. Delivered via push notification, SMS, or in-app messages, they enhance financial oversight and reduce the risk of overdraft fees, missed payments, or unexpected charges—making personal money management more responsive and stress-free.

  • Bills Management

    Albert’s bills management feature allows users to track recurring expenses such as utilities, rent, subscriptions, and loan payments. The app automatically detects these from transaction history and provides reminders to ensure payments are made on time. This function helps users avoid late fees, anticipate upcoming deductions, and better manage their cash flow. With clear bill forecasting and automatic categorization, users can maintain better financial discipline and reduce budgeting surprises.

  • Budgeting

    Albert’s budgeting tools allow users to set personalized spending limits across categories like groceries, transportation, dining, and more. The app tracks spending in real-time and provides visual feedback to help users stay within their financial goals. Budgets adjust dynamically based on income and expense changes, making it easier to manage fluctuating cash flows. This promotes better spending habits and long-term financial health without requiring spreadsheet expertise or manual effort.

  • Expense Groups

    Expense groups in Albert categorize individual transactions into broader spending themes—such as essentials, lifestyle, debt repayment, or savings. These groupings offer clearer insight into where money is going and highlight patterns that may need adjustment. Users can view grouped expenses over time, enabling them to understand proportional spending and optimize their financial decisions. This classification system also enhances the accuracy of budgeting, savings recommendations, and financial advice provided by the app.

  • Financial Dashboard

    Albert provides a unified financial dashboard that displays a snapshot of a user's complete financial picture. This includes balances across bank accounts, credit cards, investments, and savings goals—all in one place. The dashboard simplifies financial management by offering real-time insights into net worth, recent transactions, upcoming bills, and budgeting progress. By consolidating multiple accounts into one visual interface, Albert empowers users to make informed and holistic financial decisions.

  • Investment Monitoring

    Albert’s investment monitoring feature allows users to track the performance of their investment portfolios. Whether they invest through Albert or sync external brokerage accounts, users receive real-time updates on asset growth, diversification, and risk. The app may also offer smart recommendations tailored to financial goals and risk tolerance. With simple charts and performance metrics, even novice investors can gain visibility into how their money is working for them.

  • Loan Management

    Loan management in Albert helps users track existing loans such as student debt, personal loans, or mortgages. It aggregates balances, interest rates, and due dates to present a complete loan profile. The app may offer repayment reminders, suggestions for faster payoff strategies, and insights into how loans impact overall financial wellness. This feature supports debt reduction planning and ensures users remain aware of their long-term financial commitments.

  • Payment Gateway

    While not a full-scale payment processor, Albert integrates payment gateway functionality that allows users to automate transfers, pay bills, or send funds toward savings goals or debt payments directly from linked accounts. This secure and streamlined process reduces friction in money movement and eliminates the need for multiple banking apps. It also enhances convenience by turning financial insights into actionable transactions within the same interface.

  • Reports

    Albert generates periodic financial reports that summarize income, spending, savings, and goal progress. These reports offer visual breakdowns—such as pie charts and trend lines—to help users understand financial performance over weekly, monthly, or annual timelines. Reports can be used to detect spending drift, identify areas for improvement, and celebrate savings milestones. This fosters accountability and provides a clear path toward better financial habits.

  • Spend Tracker

    The spend tracker in Albert automatically logs and categorizes each transaction to provide a real-time view of where money is going. This tool helps users monitor their daily, weekly, and monthly expenditures, compare against budgets, and receive alerts when nearing limits. By providing granular insights, Albert empowers users to curb impulsive purchases, stay aligned with goals, and better prioritize spending decisions.

  • Spending Limit

    Albert allows users to set specific spending limits on various categories such as entertainment, groceries, or transportation. Once set, the app tracks spending behavior and alerts the user when they approach or exceed those limits. This feature is particularly useful for controlling discretionary spending, improving savings outcomes, and fostering conscious financial behavior. It also reinforces budgeting habits by creating immediate feedback loops.

  • Transaction History

    Albert offers a comprehensive transaction history that details every financial activity across connected accounts. This includes categorized spending, income deposits, investment transactions, and loan payments. Users can filter and search by date, merchant, or category to better understand their financial behavior. By making transaction data transparent and accessible, Albert supports accurate budgeting, dispute resolution, and long-term financial tracking.

What is the pricing of Albert?

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Free Trial

  • Not available

Albert Pricing

  • Albert offers custom pricing plan

Pricing Model

  • Paid Plans (Quotation Based )

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Why users might consider alternative to Albert?

  • While excellent for individuals, Albert is primarily focused on personal finance and lacks features needed for small business accounting, such as invoicing, payroll, or client billing tools.

  • Users who want to manage household budgets jointly or share access with a spouse or financial advisor may find Albert limiting due to lack of multi-user functionality.

  • Some of Albert's premium features and access to human financial experts are only available through its Genius subscription, which might not suit users seeking a free, all-in-one solution.

  • Albert provides general investment monitoring, but it may not support complex portfolios, crypto holdings, or real estate investments that users track with tools like Personal Capital or YNAB.

  • Albert primarily operates through its mobile app, which can be limiting for users who prefer managing finances on a desktop or need a larger screen for detailed reporting.

  • Unlike some competitors (e.g., Credit Karma or Mint), Albert does not offer integrated tax planning tools or full-service online banking, which some users may expect from personal finance software.

Albert Reviews & Ratings

1.8

Based on 4 ratings & 3231 reviews

Rating Distribution

Excellent

(2520)

Very Good

(170)

Good

(110)

Poor

(45)

Terible

(386)

Expert's Review

Albert is a financial service that has left a positive impact on many users over the past year. Customers appreciate the extra funds provided during tough times, with flexible repayment dates that ease financial stress. The speedy deposits and ability to pay back at any time are highlighted as key strengths of the service. Users also commend the efficiency of ...Read more

What are the Pros and Cons of Albert?

  • Quick and efficient customer service, resolving issues promptly.

  • Easy-to-use app with fast deposits and flexible repayment options.

  • Reliable in providing extra funds when needed.

  • Helpful for financial control and budgeting.

  • Costly service, considered expensive by some users.

  • Lack of clarity on certain features like grace periods, leading to confusion for users.

Albert User Review

CH

Christian Hartsook

07/08/24

5 out of 5

Albert has always come in clutch when…

Albert has always come in clutch when in need of some extra funds! It’s not too much but extra is extra and always appreciated! And repayment dates ...

Read more

IY

Isaac Yucha

07/08/24

5 out of 5

Great experience!

Great experience!

JG

Jalen Grissom

07/07/24

5 out of 5

Coolest thanks

Coolest thanks

LB

Latanya Brown

07/07/24

5 out of 5

The company is great to have on yourside

Date of experience: July 07, 2024

Albert Support Options

Customer Service

Online

Location

Los Angeles, California

Frequently Asked Questions (FAQs)

Stuck on something? We're here to help with all the questions and answers in one place.

Albert is a Personal Finance Software. Albert offers Alerts, Reports, Payment Gateway, Bills Management, Budgeting and many more functionalities.

Some top alternatives to Albert includes Simplifi, Quicken, Money Dashboard, Moneydance and Spendee.

No, Albert doesn't provide API.

Yes, Albert provides a mobile app.

Albert is located in Los Angeles, California

Albert offers Quotation Based pricing model

We don't have information regarding integrations of the Albert as of now.

The starting price is not disclosed by Albert. You can visit Albert pricing page to get the latest pricing.

This software is researched and edited by

Rajat Gupta is the founder of Spotsaas, where he reviews and compares software tools that help businesses work smarter. Over the past two years, he has analyzed thousands of products across CRM, HR, AI, and finance — combining real-world research with a strong foundation in commerce and the CFA program. He's especially curious about AI, automation, and the future of work tech. Outside of SpotSaaS, you'll find him on a badminton court or tracking the stock market.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].

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