Ladder: Stash, Invest & Grow

Ladder: Stash, Invest & Grow

by Ladder Financial Systems L.L.C.

12 ratings
7 reviews
Free

Details

  • Released
  • Updated
  • June 2, 2022
  • July 7, 2026
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About

Manage your finances, build wealth, and track expenses with an AI-powered financial advisor. Access diverse investment opportunities and create personalized savings plans.

AI financial advisor
Unified financial planning
Dollar-denominated savings plans
Budgeting and expense tracking
Vetted global investments
Investment gifting
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What's New in Ladder

2.1.16

July 7, 2026

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.

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User reviews

Lady AI

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.

My all in one place financial app

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.

Ladder

The customer support is top-notch. They're quick and helpful with investment questions.

Ladder

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.
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Lady on a Daily

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!
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FAQ

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.