In an era dominated by digital transformation, financial technology tools are increasingly shaping how individuals manage personal finances. This study examines the influence of digital financial tools on the personal financial management of IT employees in Bengaluru—a demographic characterized by high digital literacy, demanding work schedules, and complex financial needs. Using a structured survey of 275 respondents and quantitative analysis via SPSS, the study explores the relationships among financial literacy, financial awareness, the use of financial planning apps, digital payment adoption, and financial goal achievement. Findings reveal that while digital payment systems enjoy the highest adoption, they do not significantly contribute to long-term financial success and may even encourage impulsive spending. Conversely, financial awareness and the use of structured planning tools emerged as strong predictors of financial goal achievement. Surprisingly, financial literacy alone showed no direct impact. These results challenge traditional assumptions that equate financial knowledge with financial well-being and highlight the importance of behaviour and tool engagement. The study offers vital insights for fintech developers, HR departments, and policymakers, suggesting a shift toward designing tools and programs that enhance financial awareness and promote goal-oriented digital engagement. It emphasizes the need for a more behaviourally informed approach to digital financial wellness.