20 Money-Saving Apps Worth Learning to Use
These 20 money-saving apps offer intelligent tools to help you manage finances, find discounts, and save more on everyday purchases.
- Alyana Aguja
- 5 min read
In such a fast-paced world, handling money and saving becomes a heavy task. Using the proper tools might make all the difference in improving your finances. The 20 money-saving apps below provide innovative ways to budget, find discounts, and automate savings with just a few taps. Whether slashing grocery bills, earning cashback, or streamlining financial goals, these apps enable you to keep more of your hard-earned money minus the hassle.
1. Rakuten, formerly Ebates
Kashiwa Satō from Wikimedia Commons
Rakuten allows you to earn cashback on online and in-store purchases at thousands of retailers. You must shop through their portal or app to earn a percentage back on your spending. You can even stack it with coupons to maximize savings!
2. Honey
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This browser add-on and application automatically seek out and apply the most effective coupon codes when you shop online. Honey also has another savings program called Honey Gold that rewards users with points that they redeem for gift cards. You’ll have no trouble getting started or using it worldwide with major retailers.
3. YNAB (You Need A Budget)
YNAB from Wikimedia Commons
YNAB is an application that teaches you how to assign every dollar to a job. This will help you save for future payments instead of reacting to unexpected bills. The app’s tools and educational facilities free you from the paycheck-to-paycheck system.
4. Ibotta
Ibotta Inc. from Wikimedia Commons
Ibotta gives cashback for groceries, online purchases, and even dining in. Just upload your receipts or link your loyalty accounts to earn rewards. The more frequently you collect bonus rewards, the more you will save in dollars.
5. Trim
Tony Webster from Wikimedia Commons
Trim is a personal finance assistant who will analyze your spending, discover the subscriptions you don’t use, and then negotiate bills on your behalf. It even helps cut your internet and cable bills. The savings are automated, so it’s set-it-and-forget-it, a solution.
6. GoodRx
GoodRx from Wikimedia Commons
GoodRx compares prescription prices at nearby pharmacies, so you never overpay for medication again. Plus, it provides coupons that cut out-of-pocket expenses quite heavily. Perfect for anyone seeking savings on healthcare costs.
7. ShopSavvy
Tomascastelazo from Wikimedia Commons
ShopSavvy scans barcodes and compares prices at nearby and online stores. This way, the app ensures you get the best deal before buying. The app also lets you know when items you are following go on sale.
8. Digit
Gauravdigit from Wikimedia Commons
Digit: It analyzes your spending habits and automatically saves you small amounts of money. It transfers spare cash into a savings account without you noticing. Over time, those small amounts add up to significant savings.
9. Acorns
Ivar Leidus from Wikimedia Commons
Acorns round up your purchases to the nearest dollar and invest the difference. It’s a great way to start investing without even thinking about it. The app also offers cash-back opportunities through its partner retailers.
10. Flipp
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Flipp aggregates weekly ads, coupons, and deals from your favorite stores. You can use it to plan your shopping trips and save on groceries and household essentials. You can even use it to price-match at stores that honor competitors’ prices.
11. GasBuddy
Khamkéo from Unsplash
GasBuddy is the app that helps you find out how much cheaper fuel is in your area to save money on every fill-up. And with a rewards program, you’ll save even more at the pump. Great for frequent drivers or road-trippers.
12. Fetch Rewards
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Fetch lets you earn points on every receipt you scan, regardless of where you shop. Points can be redeemed for gift cards to your favorite retailers. It’s simple, fun, and doesn’t require planning.
13. Mint
Anthony from Unsplash
Mint is an all-in-one budgeting app that tracks spending, bills, and financial goals. It sends alerts when you’re close to overspending and offers personalized tips to cut costs. With a clear dashboard, you can see your entire financial picture at a glance.
14. RetailMeNot
Clark Street Mercantile from Unsplash
RetailMeNot is one of the coupon and cashback apps. Here, you can get discounts on groceries, travel, and more. It even notifies you about deals when you are out shopping.
15. Splitwise
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Splitwise is excellent for sharing bills and expenses between friends or roommates. The app ensures everybody gets charged relatively, so you don’t have to have that awkward money discussion. It’s beneficial for splitting trips, rent, and utilities.
16. SnipSnap
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SnipSnap scans and turns paper coupons into digital versions that you can redeem directly from your phone. It even lets you share coupons with friends and lets you know when they expire. No more leaving the coupons on the kitchen counter!
17. Cleo
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Cleo is your AI financial assistant who saves you money and puts budgets on a dash of humor. It analyzes what you spend money on, sees how you operate, and sets savings goals you can stick to. And if you blow your budget, Cleo won’t hesitate to roast you for it.
18. Personal Capital
Personal Capital from Wikimedia Commons
This app combines budgeting and investing tools to give you a comprehensive view of your finances. You can track your net worth, analyze investment fees, and plan for retirement. It’s a powerful tool for long-term financial planning.
19. Zelle
Vahurzpu from Wikimedia Commons
Zelle is the best way to send and receive money without any fees, especially for splitting the cost or paying friends back. Unlike other payment apps, money is transferred nearly instantly between bank accounts. It’s a reliable way to manage personal transactions.
20. PocketGuard
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PocketGuard helps you avoid overspending by showing you exactly how much pocket money you have left after bills and necessities. It works hand-in-hand with your accounts to give you an up-to-date, real-time view of your finances and show you where to cut back and save more.