The fintech giant behind TurboTax, Credit Karma, QuickBooks, and Mailchimp has unveiled a sweeping rollout of new AI and “Agentic AI” experiences across TurboTax and Credit Karma. Together, they form what Intuit calls the only all-in-one Consumer Platform — a year-round ecosystem designed to automate everything from debt management to tax filing, credit building, and wealth growth.

With Agentic AI, Intuit’s new generation of autonomous AI assistants, the platform doesn’t just analyze or advise — it acts. The system anticipates users’ needs, executes financial tasks automatically, and pairs each move with the oversight of 13,000 human experts for guidance and validation.

“We’re automating the tedium out of finances,” said Mark Notarainni, EVP and GM of Intuit’s Consumer Group. “By combining TurboTax and Credit Karma, we’re empowering consumers to spend less time wondering or worrying — and more time confidently living their best lives.”

A Platform That Thinks — and Acts — for You

The expanded Consumer Platform brings together a suite of interconnected AI features designed to manage and optimize users’ finances end-to-end.

At its core, Intuit’s pitch is “AI + HI” (Human Intelligence): personalized financial guidance that not only tells users what to do, but gets it done.

Here’s how it breaks down:

• Credit Spark: Turns everyday bill payments (like rent and utilities) into credit-building activity — no fees, no debt. Up to 24 months of past payments can count toward your credit history.
• My Cards: Centralizes all credit cards and provides real-time prompts to maximize rewards, track spending, and avoid expiring benefits.
• Debt Assistant (Coming Soon): An AI debt strategist that crafts and executes personalized payoff plans, from refinancing to consolidation.
• Tax Assistant: Uses predictive AI to prep up to 80% of a customer’s tax return before tax season even starts by analyzing income and spending patterns through Credit Karma.
• Refund Assistant (Coming Soon): Recommends the smartest moves for tax refunds — whether paying down debt or investing.
• Automated Tax Filing: Generative AI eliminates manual entry for 90% of common forms, directly ingesting data from financial institutions.
• Outcome Maximization Assistant: Analyzes millions of data points to uncover credits and deductions — including state-specific opportunities — ensuring what Intuit claims is the “guaranteed maximum outcome.”

These tools are part of Intuit’s larger “Agentic AI” push — the company’s term for autonomous financial agents that act on your behalf, not just advise. It’s a logical evolution for Intuit’s massive data infrastructure, which already spans tax, credit, and small business operations for over 100 million users.

AI + Humans = Trust (and Speed)

While the AI assistants automate decisions, human expertise remains part of the equation. Intuit is doubling down on what it calls AI+HI — combining digital intelligence with an expanded human network for reassurance and accountability.

Through TurboTax Expert offices and AI-matched local experts, consumers can connect virtually or in person for hands-on guidance. TurboTax plans to open roughly 20 new retail stores in key cities and expand to nearly 600 expert offices nationwide by Tax Year 2025, up from 400 last season.

These experts — now matched by AI to users based on complexity, location, and tax needs — handle everything from prior-year filings to small business returns. A new Tax Concierge team and 24/7 AI Concierge extend that support year-round.

For small business owners, forthcoming tools like the Business Expense Maximization Assistant and Income Qualification Assistant promise to untangle expense categorization and streamline compliance for freelancers and side hustlers.

“Show Me the Money” — Faster

Beyond simplification, Intuit is addressing one of consumers’ biggest pain points: cash flow.

With 58% of Americans struggling with cash flow and 75% earning under $100,000 annually, Intuit is making liquidity faster and smarter.

For the 2025 tax season, customers can access:

• Refund Advance: Get up to $4,000 instantly (or up to $10,000 for TurboTax Expert Full Service users) within 30 seconds of IRS acceptance.
• Five Days Early (5DE): Receive refunds up to five days faster — free if deposited into a Credit Karma Money account.
• High-Yield Credit Karma Money Savings: Boosts savings growth through a better-than-average APY, turning refund season into a year-round wealth accelerator.

The Bigger Picture: Fintech’s AI Arms Race

Intuit’s new platform lands amid a broader fintech arms race where companies like SoFi, Robinhood, and Revolut are racing to deploy AI-driven “financial copilots.”

But Intuit’s scale — spanning taxes, credit, and business finances — gives it an edge. The company’s strategy resembles Apple’s ecosystem model: once you’re in, everything works together. With Credit Karma’s 130M members, TurboTax’s 40M filers, and AI automation baked across both, Intuit is positioning itself as the operating system for personal finance.

By linking Agentic AI (autonomous action) with HI (human oversight), Intuit aims to build trust — the very currency fintech needs most as consumers weigh whether to let algorithms manage their money.

The Takeaway

Intuit’s “done-for-you” finance vision feels less like a flashy AI demo and more like a quiet revolution in consumer fintech. If it works as promised, users might soon spend less time entering numbers — and more time watching their finances self-optimize.

Still, the question remains: in the race for autonomous money management, will consumers hand over control to Agentic AI — or prefer to keep one hand on the wheel?