In a significant move that underscores the growing intersection of artificial intelligence and personal finance, wealth-building platform Stash has secured $146 million in Series H funding to expand its AI-driven financial guidance capabilities. The investment, led by funds and accounts managed by T. Rowe Price Associates, brings the company’s total funding to over $600 million and values the platform at approximately $1.4 billion, according to information shared in a company press release.

Founded in 2015, Stash has built a substantial user base of over 2 million active subscribers and now reports $4.3 billion in assets under management. The platform has carved out a niche by focusing on long-term investing and financial wellness for everyday Americans, particularly those who might otherwise be overlooked by traditional financial institutions.

“We’re on a mission to help everyday Americans build long-term wealth and financial power,” said Brandon Krieg, Co-founder and CEO of Stash, as reported by PR Newswire. “This new capital allows us to double down on our proprietary AI and expand our personalized financial guidance.”

The funding comes at a pivotal moment in financial technology as AI increasingly shapes how consumers interact with their money. Stash plans to enhance its “Money Coach” AI platform, which provides personalized financial guidance through a conversational interface that can answer questions, offer advice, and help users navigate complex financial decisions.

According to Fintech Global, Stash’s AI capabilities already analyze over 55,000 customer inquiries daily, providing tailored recommendations across various financial needs including debt management, investment strategies, and retirement planning.

The company’s approach appears to be resonating with its target audience. Pymnts.com reports that Stash users have set aside more than $4.5 billion through the platform’s automated savings features, with 84% of customers reporting improved financial confidence after joining.

“What sets Stash apart is our commitment to the financial underdog,” Krieg told AlleyWatch. “We’re focused on the 100 million Americans who have been traditionally underserved by the financial industry.”

The fresh capital will also support Stash’s expansion of its investment offerings and educational content. The platform currently provides access to more than 3,000 stocks and ETFs, along with personalized portfolio recommendations based on users’ financial situations and goals.

Industry analysts note that Stash’s funding success comes amid a challenging environment for fintech valuations, suggesting strong investor confidence in the company’s business model and growth trajectory. The investment round also included participation from existing investors Eldridge, Owl Ventures, and Entrée Capital.

The wealth management space has become increasingly competitive, with numerous platforms vying for consumer attention. Stash’s emphasis on combining automated investing tools with AI-powered guidance represents a strategic positioning that differentiates it from both traditional financial advisors and purely algorithmic robo-advisors.

As AI continues to transform financial services, Stash’s latest funding round signals a broader industry shift toward more personalized, accessible financial guidance powered by advanced technology. The company reports that it has helped facilitate more than 146 million smart investing transactions since its inception, highlighting the scale of its impact on retail investing behaviors.

With this new funding, Stash appears poised to accelerate its growth while continuing to focus on its core mission of democratizing financial wellness for everyday investors.