Best Business & Finance Tools for Students

Ramp is a free corporate card and expense management platform with AI that automatically identifies savings opportunities, flags duplicate subscriptions, and negotiates on your behalf to reduce business spend.

Mercury is a fintech banking platform designed specifically for startups and technology companies, offering business checking and savings accounts, credit cards, and treasury management through a modern, AI-assisted interface. Mercury's AI features include automated bill pay, intelligent cash flow analysis, smart spend categorization, and AI-generated financial summaries that give founders a clear picture of their financial health without requiring an accountant. The platform's API and integrations with QuickBooks, Xero, Stripe, and Brex make it easy to keep financial data synchronized across the startup's toolstack. Mercury's treasury product automatically sweeps idle cash into higher-yield FDIC-insured accounts and government money market funds. Over 100,000 startups and businesses bank with Mercury, making it one of the most popular neobanks in the startup ecosystem.

Plaid is the financial data infrastructure that powers thousands of fintech applications, enabling secure connections between users' bank accounts and financial applications. Its AI-enhanced capabilities include intelligent transaction categorization, income and employment verification, cash flow analysis, and fraud signal detection that help lenders, fintechs, and financial apps build smarter, data-driven products. Plaid's Transaction Enrichment API uses AI to clean and categorize raw bank transaction data into standardized, human-readable merchant names and spending categories—enabling personal finance apps, accounting tools, and lending underwriters to build on reliable financial data. The Identity Verification layer uses AI to match identity data against bank account ownership, enabling KYC compliance for financial products. Plaid connects to over 12,000 financial institutions across the US, Canada, and Europe, and is used by Venmo, Robinhood, Coinbase, and thousands of other apps.

Brex offers AI-powered spend management, corporate cards, and business banking for startups and enterprises. Its AI assistant helps finance teams analyze spending patterns, catch policy violations, and automate expense reports.

Brex is a corporate card and spend management platform with AI-powered expense categorization, policy enforcement, and real-time spend insights. AI CFO assistant provides financial analysis and anomaly detection.

Toast is the leading restaurant-specific point-of-sale and management platform, serving over 112,000 restaurants with an AI-enhanced suite that spans ordering, kitchen operations, marketing, payroll, and business analytics. Toast's AI capabilities include smart menu engineering analytics that identify top-performing items, margin analysis that highlights which dishes drive profitability, and demand forecasting that helps operators staff appropriately and order inventory to minimize waste. Toast's AI-powered marketing suite sends automated, personalized email and SMS campaigns to loyalty members based on visit frequency and order history. The platform's Sift feature uses AI to detect fraudulent transactions and chargebacks in real time, protecting restaurant revenue from payment fraud. Toast's labor management AI predicts staffing needs by combining historical sales data with weather, events, and seasonality factors. From quick-service chains to fine dining establishments, Toast has become the technology backbone of the modern restaurant industry.

Brex combines corporate cards with AI expense management, automatically categorizing spend, flagging policy violations, and generating financial insights for finance teams.

Numerai is a hedge fund that uses a unique crowdsourced AI model approach, providing thousands of data scientists worldwide with obfuscated financial data and rewarding them with cryptocurrency (NMR) for submitting accurate market prediction models. The platform aggregates these diverse, independently developed models using a meta-model approach, combining predictions from the global data science community into a single, ensemble investment strategy that trades global equities. Numerai's proprietary data obfuscation technique scrambles the underlying securities information while preserving the mathematical relationships that make predictions valuable, allowing data scientists to build models without knowing what they are predicting—eliminating trading on the predictions themselves. The Numerai Signals product extends this model by allowing data scientists to submit predictions built on any data source, broadening the diversity of signals available to the meta-model.

Brex uses AI to automate expense categorization, enforce spending policies, and generate real-time financial reports. Its AI detects out-of-policy spending, suggests budget reallocations, and provides CFO-level insights to startup finance teams.

Cleo is an AI-powered personal finance chatbot that connects to users' bank accounts and credit cards to track spending, analyze financial patterns, and deliver personalized money management advice through a friendly, conversational interface. Cleo uses behavioral science and AI to help users build better financial habits—offering spending challenges, roast mode for humorous overspending alerts, and automated micro-savings features that move small amounts to savings based on spending patterns. With over 5 million users, Cleo is particularly popular with Gen Z and millennials who find traditional banking apps impersonal and difficult to engage with.

Compass is a technology-driven real estate brokerage that uses AI throughout the home buying and selling process, offering sellers AI-powered pricing recommendations, predictive analytics for optimal listing timing, and automated marketing tools, while providing buyers with personalized property recommendations based on stated and inferred preferences. Its AI-driven Collections feature helps buyers and agents collaborate on property searches with smart filtering, while the agent-facing platform provides market intelligence, lead scoring, and productivity tools powered by machine learning. Compass has grown to become one of the largest residential real estate brokerages in the US by differentiating on technology.

Oportun (formerly Digit) is an AI-powered personal finance app that analyzes users' income and spending patterns to automatically calculate safe amounts to save and move them to savings accounts without users needing to think about it. The app's AI learns individual cash flow patterns to avoid overdrafts while maximizing the amount saved over time, handling both short-term savings goals and long-term financial building. Oportun also offers AI-driven debt payoff tools and affordable personal loan products for underserved consumers who lack access to traditional banking credit, serving millions of members across the US.