20 Apps That Help You Save Money Without Thinking About It
Discover 20 innovative apps designed to automate your savings effortlessly, ensuring you build wealth without the hassle.
- Chris Graciano
- 4 min read
Saving aside money in today’s fast-paced world might be difficult. Thankfully, there are technological solutions available. This list focuses on 20 applications that help you save money without conscious effort by rounding up purchases and studying spending patterns, among other things.
1. Acorns
Mizuno K on Pexels
Acorns rounds up your everyday purchases to the nearest dollar and invests the spare change into diversified portfolios. This micro-investing approach turns small amounts into significant savings over time.
2. Digit
RDNE Stock project on Pexels
Digit analyzes your spending habits and automatically transfers small, affordable amounts from your checking account to a savings account. It ensures you save without impacting your daily budget.
3. Qapital
Mizuno K on Pexels
Qapital allows you to set personalized savings rules, such as rounding up purchases or saving a specific amount when you hit fitness goals. These automated triggers help you save money in a fun and customized way.
4. Chime
Ketut Subiyanto on Pexels
Chime offers an automatic savings feature that rounds up debit card transactions and transfers the difference to your savings account. Additionally, it allows a percentage of your paycheck to be directly deposited into savings, promoting consistent growth.
5. Oportun
NordWood Themes on Unsplash
Oportun’s Set & Save feature automatically pulls small amounts from your bank account into a savings account based on your income and expenses. This intelligent system ensures you save what you can afford, helping you reach your financial goals without stress.
6. SmartyPig
Nel Ranoko on Unsplash
SmartyPig is a free, high-yield savings account that lets you set specific goals. You can automate contributions, making it easier to save for vacations, emergencies, or large purchases.
7. Plum
cottonbro studio on Pexels
Plum uses AI to analyze your spending and automatically saves money you won’t miss into a savings or investment account. It also offers features like round-ups and cashback rewards, enhancing your saving potential.
8. Monzo
Thom Holmes on Unsplash
Monzo’s “Coin Jar” feature rounds up your purchases to the nearest pound and saves the difference. This digital spare change adds up over time, boosting your savings effortlessly.
9. Snoop
Guilherme Stecanella on Unsplash
Snoop connects to your bank accounts to track spending and identify opportunities to save. It provides personalized money-saving tips and helps you find better deals on your bills and subscriptions.
10. Emma
Timi David on Unsplash
Emma aggregates your bank accounts and helps you manage your finances by identifying wasteful subscriptions and tracking spending. It offers budgeting tools and the option to set aside money automatically, ensuring you save without thinking.
11. HyperJar
Andrea Piacquadio on Pexels
HyperJar allows you to allocate funds into virtual “jars” for different spending categories or savings goals. You can also link jars to specific retailers, sometimes earning bonuses.
12. Goodbudget
August de Richelieu on Pexels
Goodbudget uses the envelope budgeting method, allowing you to allocate money for different expenses and savings goals. While it requires manual input, it promotes disciplined saving habits.
13. Rocket Money (formerly Truebill)
Tima Miroshnichenko on Pexels
Rocket Money helps you manage subscriptions, track spending, and negotiate bills. Identifying and canceling unused services ensures more money stays in your pocket.
14. Stash
Andrea Piacquadio on Pexels
Stash combines banking and investing, allowing you to start saving and building an investment portfolio with minimal funds. It offers personalized guidance, making it suitable for beginners looking to grow their wealth.
15. Shoeboxed
Maksim Goncharenok on Pexels
Shoeboxed helps you digitize and organize receipts, making expense tracking and tax preparation easier. By keeping tabs on your spending, you can identify areas to cut back and save more.
16. Groupon
Andrea Piacquadio on Pexels
Groupon offers deals and discounts on a wide range of products and services. By purchasing through the app, you can save money on dining, entertainment, and shopping.
17. Swagbucks
Mizuno K on Pexels
Swagbucks rewards users with points for activities such as taking surveys, watching videos, and shopping online. These points can be redeemed for gift cards or cash, providing extra funds without extra effort.
18. MaxMyInterest
Reynaldo Yodia on Pexels
MaxMyInterest helps you maximize the interest earned on your savings by automatically allocating funds to accounts with the highest yields. It ensures your money is always working hard for you.
19. Simplifi by Quicken
Andrea Piacquadio on Pexels
Simplifi offers real-time spending tracking and budgeting tools, helping you stay on top of your finances. It provides personalized insights into where your money goes and how to optimize your savings.
20. Honey
Andrea Piacquadio on Pexels
Honey automatically applies discount codes at checkout when you shop online. It scans the web for the best deals, ensuring you never overpay.