Stash raises $146m in Series H to scale AI-driven financial guidance

By Gloria Methri

Stash, a US-based personal finance and investing platform, has raised $146 million in an oversubscribed Series H funding round led by Goodwater Capital. Existing investors Union Square Ventures, StepStone Group, Serengeti, the University of Illinois Foundation, and funds advised by T. Rowe Price Investment Management, Inc. also participated.

The new funding is intended to support the company’s investment in AI-enabled financial guidance and product development. According to Stash, the capital will enhance its AI capabilities, grow its subscriber base, and expand its financial advice tools for retail users. The company currently manages $4.3 billion in assets and serves 1.3 million paying subscribers.

Central to Stash’s product strategy is Money Coach AI, an in-app feature that delivers real-time financial recommendations. The tool uses AI to guide users through investing, saving, and financial planning decisions. According to internal data shared by the company, the tool has facilitated over 2.2 million user interactions to date, with roughly 25% of users taking follow-up actions, such as making an investment or enabling Auto-Stash, within 10 minutes of interaction.

While automated financial tools are becoming increasingly common in consumer FinTech, Stash is positioning its AI tool as a scalable solution to address what it describes as a long-standing gap in accessible, real-time financial advice.

The funding round follows a trend in the FinTech industry where companies are turning to artificial intelligence to improve user engagement and expand financial literacy and decision-making tools. As financial services increasingly integrate AI to enhance personalisation and reduce cost-to-serve, platforms like Stash are aiming to differentiate by offering advisory features alongside traditional investment and savings products.

Commenting on the investment, Goodwater Capital’s Chi-Hua Chien said the firm views AI-driven financial guidance as a core theme for the next wave of consumer fintech innovation. “With Brandon and Ed leading the way, Stash is laser-focused on innovation, growth, and setting a new industry standard. Stash isn’t just using AI to enhance its platform—it’s using AI to transform how people engage with their money. The company’s momentum is undeniable, and we are proud to support this next frontier in FinTech.”