パーソナルファイナンスソフトウェア市場規模、シェア、成長分析：タイプ別、ツール別、展開モード別、エンドユーザー別、地域別 - 産業予測 2025～2032年

パーソナルファイナンスソフトウェア市場規模は2023年に21億米ドルと評価され、2024年の23億1,000万米ドルから2032年には49億9,000万米ドルに成長し、予測期間（2025-2032年）のCAGRは10.1％で成長する見通しです。

世界のパーソナルファイナンスソフトウェア市場は、デジタル決済ソリューションの急速な普及と消費者の金融リテラシーの向上により、大きな成長が見込まれています。個人が個人金融管理の改善を求める中、個人金融アプリケーションと従来の銀行サービスの統合が市場拡大の新たな機会をもたらしています。可処分所得の増加と資産管理への関心の高まりは、こうしたソリューションへの需要をさらに高めると思われます。先進経済諸国は新興経済諸国に比べて導入率で現在リードしており、クラウドやモバイルベースのオプションが利用可能になることで、2032年までの収益が押し上げられると予想されます。しかし、データプライバシーの懸念、技術に精通していないユーザーにとっての使い勝手の問題、インターネットへの依存、カスタマイズオプションの制限といった課題が、長期的には成長の妨げになる可能性があります。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析
• 規制情勢
• ケーススタディ
• 技術の進歩

パーソナルファイナンスソフトウェア市場規模：タイプ別& CAGR（2025-2032）

• 市場概要
• デスクトップベースのソフトウェア
• モバイルベースのソフトウェア

パーソナルファイナンスソフトウェア市場規模：ツール別& CAGR（2025-2032）

• 市場概要
• 予算プランナー
• 退職プランナー
• 投資トラッカー
• その他

パーソナルファイナンスソフトウェア市場規模：展開モード別& CAGR（2025-2032）

• 市場概要
• クラウド
• オンプレミス

パーソナルファイナンスソフトウェア市場規模：エンドユーザー別& CAGR（2025-2032）

• 市場概要
• 中小企業
• 個人

パーソナルファイナンスソフトウェア市場規模：地域別& CAGR（2025-2032）

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022-2024）

主要企業プロファイル

• Moneyspire Inc.（USA）
• Mint（USA）
• Personal Capital Corporation（USA）
• Acorns Grow Inc.（USA）
• Simplifi Holdings Inc.（USA）
• You Need a Budget LLC（USA）
• Quicken Inc.（USA）
• Wally Global Inc.（USA）
• PocketGuard, Inc.（USA）
• Money Dashboard（UK）
• Albert Corporation（USA）
• PocketSmith Ltd.（New Zealand）
• The Infinite Kind（UK）
• BankTree Software Ltd.（UK）
• CountAbout Corporation（USA）
• SilverWiz（USA）
• Buxfer Inc.（USA）
• HomeBudget（USA）
• Tiller Money（USA）
• GoodBudget（USA）

結論と提言

Personal Finance Software Market size was valued at USD 2.1 billion in 2023 and is poised to grow from USD 2.31 billion in 2024 to USD 4.99 billion by 2032, growing at a CAGR of 10.1% during the forecast period (2025-2032).

The global personal finance software market is poised for significant growth, driven by the rapid adoption of digital payment solutions and increasing financial literacy among consumers. As individuals seek improved personal finance management, the integration of personal finance applications with traditional banking services presents new opportunities for market expansion. The rising disposable income and a growing focus on wealth management will further enhance the demand for these solutions. Developed economies are currently leading in adoption rates compared to developing regions, and the availability of cloud and mobile-based options is expected to boost revenue through 2032. However, challenges such as data privacy concerns, usability issues for non-tech-savvy users, internet dependency, and limited customization options may hinder growth in the long run.

Top-down and bottom-up approaches were used to estimate and validate the size of the Personal Finance Software market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Personal Finance Software Market Segments Analysis

Global Personal Finance Software Market is segmented by Type, Tools, Deployment Mode, End User and region. Based on Type, the market is segmented into Desktop-based Software and Mobile-based Software. Based on Tools, the market is segmented into Budget Planner, Retirement Planner, Investment Tracker and Others. Based on Deployment Mode, the market is segmented into Cloud and On-premise. Based on End User, the market is segmented into Small Businesses and Individuals. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Personal Finance Software Market

The Personal Finance Software market is experiencing significant growth as an increasing number of individuals acknowledge the critical role of financial planning and budgeting, particularly in light of soaring inflation rates and heightened awareness of financial literacy in society. This software enables users to track their expenditures, savings, and investments, empowering them to make well-informed financial choices over time. As more people seek effective tools to manage their finances in a volatile economic climate, the demand for personal finance software continues to rise, highlighting its importance in promoting responsible financial behavior and ensuring better financial outcomes for users.

Restraints in the Personal Finance Software Market

While personal finance software is easily navigated by tech-savvy users, the growth of the global personal finance software market may be hindered by the challenges faced by non-tech-savvy individuals. This limitation is particularly evident in regions with low technological penetration and aging populations who may lack familiarity with digital tools. As these segments of the consumer base struggle to adapt to software that requires technological prowess, their reluctance to adopt such tools could negatively impact market expansion in the long term, creating a significant barrier to entry for personal finance solutions in these areas.

Market Trends of the Personal Finance Software Market

The personal finance software market is witnessing a significant trend towards the integration of Artificial Intelligence (AI), which is transforming how users manage their financial activities. Companies leveraging AI technology are enhancing user experience by offering tailored recommendations, automated budgeting solutions, and predictive analytics capabilities. This shift not only improves financial decision-making for consumers but also fosters greater user engagement through personalized interfaces. As a result, firms that prioritize AI-driven functionalities are poised to gain a competitive edge, attracting a tech-savvy demographic while streamlining their services. This trend underscores the increasing importance of innovation in retaining customer loyalty and enhancing market share in the evolving personal finance landscape.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Regulatory Landscape
• Case Studies
• Technological Advancement

Global Personal Finance Software Market Size by Type & CAGR (2025-2032)

• Market Overview
• Desktop-based Software
• Mobile-based Software

Global Personal Finance Software Market Size by Tools & CAGR (2025-2032)

• Market Overview
• Budget Planner
• Retirement Planner
• Investment Tracker
• Others

Global Personal Finance Software Market Size by Deployment Mode & CAGR (2025-2032)

• Market Overview
• Cloud
• On-premise

Global Personal Finance Software Market Size by End User & CAGR (2025-2032)

• Market Overview
• Small Businesses
• Individuals

Global Personal Finance Software Market Size & CAGR (2025-2032)

• North America (Type, Tools, Deployment Mode, End User)
  • US
  • Canada
• Europe (Type, Tools, Deployment Mode, End User)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Type, Tools, Deployment Mode, End User)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Type, Tools, Deployment Mode, End User)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Type, Tools, Deployment Mode, End User)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Moneyspire Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mint (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Personal Capital Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Acorns Grow Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Simplifi Holdings Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• You Need a Budget LLC (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Quicken Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wally Global Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PocketGuard, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Money Dashboard (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Albert Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PocketSmith Ltd. (New Zealand)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• The Infinite Kind (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• BankTree Software Ltd. (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• CountAbout Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• SilverWiz (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Buxfer Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• HomeBudget (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tiller Money (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• GoodBudget (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations