# Ladder: Stash, Invest & Grow > AI-powered finance app for wealth building, investing, and expense tracking. (iPhone/iPad app by Ladder Financial Systems L.L.C.) - Source: https://appshunter.io/ios/app/ladder-stash-invest-and-grow/id1608146534 (this page in markdown: same URL + `.md`) - Developer: [Ladder Financial Systems L.L.C](https://appshunter.io/developer/1608146536) - Category: Finance - Price: Free - Rating: 4.10/5 from 12 App Store ratings · 7 written reviews indexed - Age rating: 4+ - Requires: iOS 15.5 · 84 MB - Languages: American English - Released: 2022-06-02 - Data updated: 2026-07-30 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/ladder-stash-invest-and-grow/id1608146534/reviews.md ## What is Ladder? Welcome to Ladder, your ultimate finance companion that empowers you to build wealth effortlessly. Ladder helps you unify your plans, investing, and tracking all in one intuitive platform, making your money management a breeze. And you have 24/7 access to your personal financial advisor, LADY AI, guiding you every step of the way. LADY, Your Personal Financial Advisor LADY is your AI friend and go-to financial expert, providing personalized advice tailored to your unique financial situation. LADY helps you meet your financial goals by guiding you to put money away more, maximize your investment returns, and spend smarter. Put money away in Dollars, Smartly Put money away on your terms in US dollars, protecting your money from currency fluctuations.. Choose from our range of plans: Flex Dollar: Stash your local currency in dollars, hold, and withdraw whenever you want. Goal-Based Plans: Set personalized goals and track progress in dollars. LadderLock: Stay disciplined by locking your dollar plans for a duration of your choosing. Budget & Track Expenses Connect your bank and mobile money accounts to bring all your money into one place. LADY will analyze your income and spending to build a financial plan that’s exclusively tailored to your needs and aspirations. She’ll help you create a budget suited to your lifestyle and keep track of your spending. Vetted & Expert-Selected Investments Start your investment journey with a diverse range of global investments including Real Estate, Agriculture, stocks, ETFs, treasury bills and mutual funds. Investment assets are provided by FINRA and SEC-licensed financial institutions. LADY will help you choose the right options for you based on your needs and risk appetite. Investment Gifting Feature Give the gift of financial growth with Ladder's investment gifting feature. Ladder's investment gifting feature allows you to send the gift of investable money as thoughtful gifts and empower your loved ones with investment options in Equity, Fixed Income, or Real Estate. How to Sign up: Download the Ladder app. Create your account in a few simple steps Upload required documents to verify your identity Start managing your finances effortlessly. Why Choose Ladder? Personalized Financial Advice: Tailored recommendations from LADY based on your financial details. Put money away in Dollars, Securely: Protect your money with diverse plans. Diverse Investment Opportunities: Access vetted investments across various sectors. Expertise and Security: Investments managed by SEC and FINRA-licensed experts. Convenient Budgeting: Track expenses and create budgets effortlessly. Follow us on social media for updates: Twitter: twitter.com/ladder_hq Instagram: instagram.com/ladder.hq Linkedin: linkedin.com/company/ladder-africa For more information, visit myladder.africa. Have questions? Reach out to support@myladder.africa. Ready to take control of your financial future? Download Ladder today and embark on your journey towards financial success. Your path to prosperity starts here with Ladder. ## Key features - AI financial advisor - Unified financial planning - Dollar-denominated savings plans - Budgeting and expense tracking - Vetted global investments - Investment gifting ## Recent user reviews (7 of 7) All indexed reviews: https://appshunter.io/ios/app/ladder-stash-invest-and-grow/id1608146534/reviews.md ### 5/5 — Lady AI *2025-03-14* This app is really good. Lady AI has also been very helpful and has taught me how save and be more disciplined with my income. ### 5/5 — My all in one place financial app *2025-03-14, version 2.0.5* Ladder has helped me to manage my finances from a single dashboard, from my savings to investments, all consolidated in one place. I highly recommend this app for anyone looking for a single one AI solution for managing their finances. ### 5/5 — Ladder *2025-03-14, version 2.0.5* The customer support is top-notch. They're quick and helpful with investment questions. ### 5/5 — Ladder *2025-03-13* It offers a seamless way to grow wealth with easy access to diversified investment options, automated savings plans, and insightful financial tips. The app’s clean interface and educational resources make it an excellent choice for those looking to start or improve their investment journey. However, it could benefit from more advanced analytics tools for seasoned investors. Overall, it's a solid choice for anyone looking to build long-term financial stability. ### 5/5 — Lady on a Daily *2025-03-06, version 2.0.4* The ladder app has been so instrumental for me in terms of managing my finances, being able to create monthly budgets and also track my various expenses, most especially using Lady AI to get insight on how I’m performing with my finances from time to time and also get series of notifications as a reminder tracking expenses, the best! ### 5/5 — Very easy to use *2024-02-21* Love the LADY AI features, I feel like I have an accountability partner with my money. I also like how the app consolidates different things so I really only need to pick one app to know where I’m at financially. ### 5/5 — MVP! *2023-11-01* This is my go-to app for saving in dollars. I’m able to deposit at any time and track my gains in real time. Also, withdrawals are pretty quick. ## Frequently asked questions about Ladder ### What is Ladder? Ladder is a finance app designed to help users build wealth by unifying financial plans, investments, and tracking. It offers an AI-powered personal financial advisor named LADY to guide users. ### How does Ladder help with saving money? Ladder offers various dollar-denominated savings plans, including Flex Dollar for flexible stashing and Goal-Based Plans to track progress towards specific financial objectives. ### What types of investments are available on Ladder? Ladder provides access to a diverse range of vetted global investments, including Real Estate, Agriculture, stocks, ETFs, treasury bills, and mutual funds. ### Is Ladder secure for managing finances? Ladder emphasizes security by offering vetted investments managed by FINRA and SEC-licensed financial institutions. It also allows users to connect bank and mobile money accounts for unified tracking. ### Can I use Ladder to track my spending? Yes, Ladder allows you to connect your bank and mobile money accounts to track income and spending. LADY AI analyzes this data to help you build a budget tailored to your lifestyle. ### Does Ladder have ads? No, Ladder does not contain advertisements, providing an ad-free experience for users. ### What devices is Ladder available on? Ladder is available on iPhone and iPad devices, supporting users on Apple's mobile ecosystem. ### How often is Ladder updated? The latest version of Ladder is 2.1.10, which was last updated on February 27, 2026. This indicates a commitment to ongoing development and improvements. ## Version history (last 5 releases) ### 2.1.17 — 2026-07-27 Welcome to Ladder 1.5 A fresh new look, smarter tools, and more ways to grow your money. This release introduces: • A redesigned app experience • Smarter conversations with Lady • Document uploads • Emergency Funds • Stash for goals and Dollar Save • Investments directly within the app • General improvements and bug fixes Update your app and start exploring what’s new. ### 2.1.16 — 2026-07-07 Welcome to Ladder 1.5 A fresh new look, smarter tools, and more ways to grow your money. This release introduces: • A redesigned app experience • Smarter conversations with Lady • Document uploads • Emergency Funds • Stash for goals and Dollar Save • Investments directly within the app • General improvements and bug fixes Update your app and start exploring what’s new. ### 2.1.15 — 2026-06-26 Welcome to Ladder 1.5 A fresh new look, smarter tools, and more ways to grow your money. This release introduces: • A redesigned app experience • Smarter conversations with Lady • Document uploads • Emergency Funds • Stash for goals and Dollar Save • Investments directly within the app • General improvements and bug fixes Update your app and start exploring what’s new. ### 2.1.14 — 2026-06-23 Welcome to Ladder 1.5 A fresh new look, smarter tools, and more ways to grow your money. This release introduces: • A redesigned app experience • Smarter conversations with Lady • Document uploads • Emergency Funds • Stash for goals and Dollar Save • Investments directly within the app • General improvements and bug fixes Update your app and start exploring what’s new. ### 2.1.12 — 2026-06-18 Welcome to Ladder 1.5 A fresh new look, smarter tools, and more ways to grow your money. This release introduces: • A redesigned app experience • Smarter conversations with Lady • Document uploads • Emergency Funds • Stash for goals and Dollar Save • Investments directly within the app • General improvements and bug fixes Update your app and start exploring what’s new. ## Apps similar to Ladder | App | Rating | Price | Category | | --- | --- | --- | --- | | [Xantos](https://appshunter.io/ios/app/xantos/id1571651655) | 4.8 (52) | Free | Finance | | [achieve by Petra](https://appshunter.io/ios/app/achieve-by-petra/id1532635527) | 4.6 (2,924) | Free | Finance | | [Origin: AI Budget and Track](https://appshunter.io/ios/app/origin-ai-budget-and-track/id1637693312) | 4.6 (3,662) | Free | Finance | | [FinWize - Smart Money AI](https://appshunter.io/ios/app/finwize-smart-money-ai/id6744364860) | — | Free | Finance | | [Victory Capital](https://appshunter.io/ios/app/victory-capital/id1525447389) | 3.0 (274) | Free | Finance | | [T. Rowe Price Personal®](https://appshunter.io/ios/app/t-rowe-price-personal/id534586266) | 4.6 (22,956) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-30.*