Roughly a ***** of Gen Z bank account holders indicated that they worried about their financial future in the U.S. in the second quarter of 2025, according to Statista Consumer Insights. On the other hand, over ** percent of the respondents born between 1995 and 2012 indicated that they were well-informed about their financial situation. There was a relatively low share of respondents who expressed interest in new financial topics, such as crypto or NFTs.

Context

This Data is from a crash course on Davidson

Content

It contains personal transactions on credit and debit transactions.

Acknowledgements

Thanks to DAVIDSON

Inspiration

This data can be analysed to answer questions like the total expenses incurred, the total income etc..

In 2023, Capital One led the personal finance apps market in the United States, achieving an aided brand awareness of 59.73 percent among consumers. TurboTax followed with 53.17 percent awareness and Credit Karma reported 48.42 percent.

A comprehensive personal finance dataset tracking 806 transactions across multiple accounts with detailed categorization of spending patterns over time. Includes credit and debit transactions across categories like food & dining, home improvement, groceries, and more.

This dataset contains real-world personal finance transactions spanning approximately two years (2018-2019). It tracks spending across checking accounts and credit cards, with transactions categorized into areas like food & dining, home improvement, utilities, and entertainment. The data demonstrates typical financial patterns including recurring expenses, occasional splurges, and regular income deposits. Analysts can use this dataset to practice:

Monthly budget tracking Spending category analysis Credit vs. debit transaction patterns Seasonal spending detection Financial visualization techniques

This dataset is ideal for data science beginners looking to practice financial analysis or for those interested in personal finance management techniques.

Column Name | Description Date | The transaction date in YYYY-MM-DD format. Description | A brief label or name of the transaction (e.g., Walmart, Netflix, Salary). Amount | The value of the transaction. Positive for both debits and credits. Transaction Type | Specifies whether the transaction is a debit (expense) or credit (income/refund). Category | Group/category assigned to the transaction (e.g., Rent, Groceries, Dining Out). Account Name | The account or payment method used (e.g., Visa Credit Card, Checking, Cash). Month | Extracted from the Date column in YYYY-MM format, used for monthly trend analysis.

According to a survey conducted in Southeast Asia in June 2023, more than **** of the respondents in Thailand stated that they used the internet as a source to educate themselves about personal finance. In contrast, ** percent of the surveyed consumers in Thailand said that they learned about managing their personal finances in formal education as of June 2023.

Context

I wanted to make this finance data about US representatives (very generous of OpenSecrets.org to provide that) available to all for easy data analysis & data science.

Content

This dataset contains the personal finance details of US representatives (Senate, House & the Executive) on the following topics from 2004 to 2016 (varying date ranges for different topics) : * Agreements * Assets * Compensation * Gifts * Honoraria * Income * Liability * Positions * Transactions * Travel

For each of these topics, it has exact amounts or amount ranges, details about the topic like asset type, asset income, industry, sector, etc. & candidate information including candidate name, party, chamber & state & district. There is also information about the members of the 113th, 114th & 115th congress along with congressional committees.

You can find the official Data Dictionary Data Dictionary & the User Guide

Acknowledgements

The source of this data is the Bulk data at https://www.opensecrets.org/

Documentation : https://www.opensecrets.org/open-data/bulk-data-documentation

Please follow the Terms Of Service for using this data : https://www.opensecrets.org/open-data/terms-of-service

Inspiration

I hope that we can analyze this data & understand more about the personal finance of US representatives to help us all going forward. Some questions to be answered : * Which candidates have the highest/lowest net worth? * What kind of investments & in which industry/sector do candidates that you are interested in have? * What are the trends that we in terms of income, investments, etc. for different chambers/parties?

Around a ***** of all bank account holders indicated that they were well-informed about their financial situation in the U.S. in the third quarter of 2025, according to Statista's Consumer Insights. In Statista's survey, ** percent of respondents expressed doubts about their financial future. In terms of attitude towards mobile finance, ** percent of the respondents could imagine dealing with financial transactions exclusively via smartphone.

This dataset provides detailed, household-level records of income and expenses, including transaction categories, payment methods, recurrence patterns, and basic household demographics. It enables comprehensive budgeting analysis, supports financial literacy initiatives, and can power personalized financial recommendations and research into household spending habits.

🎯 Dataset Overview

A intentionally messy synthetic personal finance dataset designed for practicing real-world data preprocessing challenges before building AI-based expense forecasting models.

💡 Context & Inspiration

Created for BudgetWise - an AI expense forecasting tool. This dataset simulates real-world financial transaction data with all the messiness data scientists encounter in production: inconsistent formats, typos, duplicates, outliers, and missing values.

🔍 What Makes This Dataset Special?

• Realistic Data Quality Issues: ~30% of data contains intentional errors
• Class Imbalance: 85% expenses vs 15% income (perfect for SMOTE practice)
• Multi-format Dates: 4 different date formats mixed throughout
• Currency Chaos: Mixed symbols (₹, $, Rs.) in amounts
• Text Inconsistencies: Typos, case variations, and duplicates

📊 Key Statistics

• 15,000+ transactions
• 150 unique users
• 4-year period (2021-2024)
• 9 feature columns
• ~6% duplicate rows
• ~5% missing values per column

🎓 Learning Opportunities

Perfect for practicing: - Data cleaning & normalization - Handling missing values - Date parsing & time-series analysis - Currency extraction & conversion - Outlier detection - Feature engineering - Class balancing (SMOTE) - Text standardization - Duplicate detection

United States CSI: Current Personal Finance data was reported at 135.000 1966=100 in Sep 2018. This records an increase from the previous number of 133.000 1966=100 for Aug 2018. United States CSI: Current Personal Finance data is updated monthly, averaging 111.000 1966=100 from Jan 1978 (Median) to Sep 2018, with 489 observations. The data reached an all-time high of 142.000 1966=100 in Mar 2018 and a record low of 58.000 1966=100 in Aug 2009. United States CSI: Current Personal Finance data remains active status in CEIC and is reported by University of Michigan. The data is categorized under Global Database’s United States – Table US.H025: Consumer Sentiment Index. The question was: We are interested in how people are getting along financially these days. Would you say that you (and your family living there) are better off or worse off financially than you were a year ago?

Financial overview and grant giving statistics of NEXT GEN PERSONAL FINANCE

Financial overview and grant giving statistics of Personal Finance Employee Education

Financial overview and grant giving statistics of Leap Personal Finance

Global Personal Finance Management Software Market is segmented by Application (Beauty industry_ Luxury goods industry_ Retail industry_ E-commerce_ Lifestyle industry), Type (Beauty_ Cosmetics_ Luxury_ Skincare_ Makeup), and Geography (North America_ LATAM_ West Europe_Central & Eastern Europe_ Northern Europe_ Southern Europe_ East Asia_ Southeast Asia_ South Asia_ Central Asia_ Oceania_ MEA)

Personal Finance Management Market Outlook

According to our latest research, the global Personal Finance Management (PFM) market size stood at USD 1.62 billion in 2024, reflecting a robust growth trajectory driven by increasing digital adoption and demand for financial literacy tools. The market is expected to expand at a CAGR of 13.7% from 2025 to 2033, reaching a forecasted value of USD 5.14 billion by 2033. This growth is primarily attributed to the rising awareness of personal financial health, technological advancements in fintech, and the proliferation of mobile and web-based platforms that make financial management more accessible and user-friendly.

A key growth factor for the Personal Finance Management market is the rapid digitalization of financial services. With the proliferation of smartphones and internet connectivity, consumers now have unprecedented access to a wide array of financial management tools. These digital platforms offer real-time tracking, automated budgeting, and personalized financial advice, empowering users to make informed decisions about their finances. Additionally, the integration of artificial intelligence (AI) and machine learning into PFM tools has enhanced the accuracy and personalization of financial recommendations, further driving user engagement and market expansion. Financial institutions, recognizing the shift in consumer preferences, are increasingly partnering with fintech firms to offer value-added PFM solutions, thereby accelerating the marketÂ’s growth.

Another significant driver fueling the growth of the Personal Finance Management market is the increasing emphasis on financial literacy and wellness. Across both developed and emerging economies, there is a growing recognition of the importance of managing personal finances effectively to achieve long-term financial stability. Governments, non-profit organizations, and private sector players are launching initiatives aimed at promoting financial education, which, in turn, has spurred greater adoption of PFM tools. The COVID-19 pandemic further underscored the need for robust financial planning, as individuals and businesses faced unprecedented economic uncertainties. As a result, demand for comprehensive solutions that encompass budgeting, expense tracking, investment management, and wealth planning has surged, reinforcing the marketÂ’s upward trajectory.

Financial Planning has become an integral component of personal finance management, especially in the wake of economic uncertainties brought about by global events such as the COVID-19 pandemic. Individuals and businesses alike are recognizing the importance of having a structured approach to managing their finances, which includes setting financial goals, assessing current financial situations, and developing strategies to achieve these objectives. This proactive approach not only helps in mitigating risks but also ensures long-term financial stability and growth. As more people become aware of the benefits of financial planning, the demand for comprehensive personal finance management tools that support these activities is expected to rise significantly.

The evolving regulatory landscape also plays a pivotal role in shaping the growth of the Personal Finance Management market. Stricter data privacy regulations, such as GDPR in Europe and CCPA in California, have prompted PFM providers to invest in advanced security measures and transparent data handling practices. While this has increased the cost of compliance, it has also fostered greater trust among users, encouraging wider adoption. Moreover, the emergence of open banking frameworks in regions like Europe and Asia Pacific has facilitated seamless integration between PFM applications and financial institutions, enabling users to access their financial data securely and efficiently. These regulatory developments are expected to continue supporting market growth by enhancing user confidence and promoting innovation.

Regionally, North America holds the largest share of the Personal Finance Management market, driven by high digital penetration, advanced fintech infrastructure, and a strong culture of financial planning. However, the Asia Pacific region is poised for the fastest growth, supported by rapid urbanization, expanding middle-class populations, and increasing smartphone adoption. Euro

United States CSI: Personal: Current Financial Situation: 5Yrs Ago: Better data was reported at 67.000 % in Oct 2018. This records a decrease from the previous number of 71.000 % for Sep 2018. United States CSI: Personal: Current Financial Situation: 5Yrs Ago: Better data is updated monthly, averaging 52.500 % from Feb 1979 (Median) to Oct 2018, with 124 observations. The data reached an all-time high of 71.000 % in Sep 2018 and a record low of 37.000 % in Jan 2012. United States CSI: Personal: Current Financial Situation: 5Yrs Ago: Better data remains active status in CEIC and is reported by University of Michigan. The data is categorized under Global Database’s United States – Table US.H027: Consumer Sentiment Index: Personal Finance. The question was: Now thinking back 5 years, would you say you (and your family living there)are better off or worse off financially now than you were 5 years ago?

Personal Finance Software Market Outlook

According to our latest research, the global personal finance software market size reached USD 1.29 billion in 2024, driven by the growing adoption of digital financial tools and rising consumer demand for financial literacy solutions. The market is set to expand at a robust CAGR of 5.8% from 2025 to 2033, propelling the market to a forecasted value of USD 2.16 billion by the end of 2033. This sustained growth is primarily due to the increasing penetration of smartphones, the proliferation of internet access, and a heightened focus on personal wealth management and budgeting among individuals and small businesses worldwide. As per the latest research, the marketÂ’s momentum is further bolstered by technological advancements and the integration of artificial intelligence and machine learning into personal finance platforms, which enhance user experience and offer more personalized financial insights.

One of the key growth factors propelling the personal finance software market is the rising consumer awareness regarding the importance of financial planning and management. The ongoing shift towards digital banking and cashless transactions has made it increasingly essential for individuals to track their finances, budget effectively, and plan for future investments. As a result, consumers are turning to personal finance software for features such as automated expense tracking, real-time account synchronization, and goal-setting tools. The proliferation of user-friendly mobile applications and web-based platforms has further democratized access to financial management tools, making them more accessible to a broader demographic, including millennials and Gen Z, who are particularly tech-savvy and value financial independence.

Another significant driver is the integration of advanced technologies such as artificial intelligence, machine learning, and data analytics into personal finance software. These technologies enable platforms to provide personalized recommendations, predictive analytics, and automated insights into spending habits, investment opportunities, and risk factors. AI-driven chatbots and virtual financial advisors are increasingly being adopted to enhance customer support and deliver tailored advice, thereby improving user engagement and retention. The ability to aggregate data from multiple financial accounts and provide a holistic view of an individualÂ’s financial health is a compelling value proposition that continues to drive adoption among both individual consumers and small businesses. Furthermore, the rise of open banking initiatives and APIs has facilitated seamless integration between personal finance software and various financial institutions, enhancing interoperability and user experience.

The growing need for compliance and regulatory adherence, particularly in regions with stringent data privacy laws, is also shaping the evolution of the personal finance software market. Software providers are investing heavily in robust security features, encryption protocols, and compliance frameworks to ensure the safety and confidentiality of user data. This focus on security is particularly critical as cyber threats and financial fraud become more sophisticated. Additionally, the emergence of cloud-based deployment models has allowed vendors to offer scalable and cost-effective solutions that cater to a diverse range of users, from individuals to large enterprises. The ability to access financial data and management tools from anywhere, at any time, is a significant advantage driving the shift towards cloud-based platforms.

The rise of Financial Advisory Software is also playing a pivotal role in the evolution of personal finance management. These sophisticated tools are designed to offer comprehensive financial planning services, enabling users to make informed decisions about their investments, savings, and expenditures. By integrating with personal finance software, financial advisory platforms can provide users with a holistic view of their financial health, incorporating data from various sources to deliver tailored advice and strategies. This synergy not only enhances user experience but also empowers individuals and small businesses to achieve their financial goals with greater precision and confidence.

From a regional perspective, North America currently dominates the personal

These services help with money management, financial planning, and insurance education. These services are not all dementia-specific but are inclusive of those living with dementia or who are planning for future memory loss. We include larger organizations that provide these services but have not included individual/private financial planners.

According to Cognitive Market Research, the global personal financial service market size was USD 19245.2 million in 2024. It will expand at a compound annual growth rate (CAGR) of 8.80% from 2024 to 2031.

North America held the major market share for more than 40% of the global revenue with a market size of USD 7698.08 million in 2024 and will grow at a compound annual growth rate (CAGR) of 7.0% from 2024 to 2031.
Europe accounted for a market share of over 30% of the global revenue with a market size of USD 5773.56 million.
Asia Pacific held a market share of around 23% of the global revenue with a market size of USD 4426.40 million in 2024 and will grow at a compound annual growth rate (CAGR) of 10.8% from 2024 to 2031.
Latin America had a market share of more than 5% of the global revenue with a market size of USD 962.26 million in 2024 and will grow at a compound annual growth rate (CAGR) of 8.2% from 2024 to 2031.
Middle East and Africa had a market share of around 2% of the global revenue and was estimated at a market size of USD 384.90 million in 2024 and will grow at a compound annual growth rate (CAGR) of 8.5% from 2024 to 2031.
The cloud-based category is the fastest growing segment of personal financial service industry

Market Dynamics of Personal Financial Service Market

Key Drivers for Personal Financial Service Market

An Increasing Consciousness Regarding the Need for Proficient Handling of Finances to Boost Market Growth

The personal financial service market has experienced growth because of the increased understanding of the significance of effective financial governance. It is increasingly vital for individuals to take charge of their economic well-being, whether through managing their finances, savings, investments, or spending, and this is becoming more widely acknowledged. Customers may better secure and succeed financially by using personal finance technology, giving them the statistical information and resources they need to match their expenditures with their intentions and establish effective financial choices. For instance, the most popular personal finance program in America, Quicken, has released Quicken Classic Business & Personal for Macintosh. The novel solution is the exclusive solution that enables customers to conveniently monitor their financial activities, including investing and business financial performance.

Development of New Commercial Financing to Drive Market Growth

The personal financial service market has witnessed steady growth due to the rapid growth of novel commercial financing strategies. When the company grows to the point where it looks for new opportunities to increase profits, that is recognized as company growth. Through enhancing client satisfaction, boosting virtual channel utilization, generating innovative financial solutions, bolstering protection, and boosting efficiency, finance devices keep driving the finance services sector ahead. Consequently, the industry for investment financing software is expanding due to the increased popularity of established instruments and new commercial strategies.

Restraining Factor for the Personal Financial Service Market

Growing Worries for Protection Will Limit Market Growth

The growth of markets is hampered by the increase in hackers targeting personal finance applications in efforts to obtain customers personal information. Because of its limitations in terms of data availability and acceptance, organizations' emphasis on legacy systems constructed using antiquated technology may impede the development of the personal finance software industry. Individuals might have trouble easily connecting their profiles since these systems might not be compatible or require certain Interfaces. Individuals who are concerned about data security could also be hesitant to adopt legacy systems because of how easily they can be hacked. It might also be difficult for consumers to embrace contemporary personal financial software due to these organizations' sluggish innovation and upgrade cycles.

Opportunity for the Personal Financial Service Market

The integration of AI-powered financial planning will be an opportunity for market growth.

The integration of AI-powered financial planning tools presents a significant opportunity for the personal finance service market. By leveraging machine learning algorithms and data analysis...

CSI: Personal: Expected Financial Situation: Next 5Yrs: Don’t Know data was reported at 2.000 % in May 2018. This records a decrease from the previous number of 3.000 % for Apr 2018. CSI: Personal: Expected Financial Situation: Next 5Yrs: Don’t Know data is updated monthly, averaging 4.000 % from Feb 1979 (Median) to May 2018, with 119 observations. The data reached an all-time high of 11.000 % in Jan 1981 and a record low of 1.000 % in Aug 2017. CSI: Personal: Expected Financial Situation: Next 5Yrs: Don’t Know data remains active status in CEIC and is reported by University of Michigan. The data is categorized under Global Database’s USA – Table US.H024: Consumer Sentiment Index: Personal Finance. The question was: And 5 years from now, do you expect that you (and your family living there) will be better off financially, worse off, or just about the same as now?