10 of the best savings apps in the US

These apps are built to make saving easier — even if it’s the last thing on your mind.

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Between bills, loans and everyday purchases, life can be expensive. Enter: technology. These savings apps help you to meet your goals and control your spending by doing one of two things — cutting down on costs, or sweeping your spare change into savings.

How we picked the best savings apps

To narrow down apps that are best for today’s savers, we considered key factors like how quickly it could grow your savings or how it saves you money, how much it costs and the extent of its capabilities. That meant digging into account details like interest rates, fees, account features, compatibility, terms and conditions.


In the world of savings apps, Trim is a jack-of-all-trades. It analyzes your spending habits and scans your accounts for subscriptions — and then asks if you want to cancel them or negotiate the prices down. Subscriptions can be any recurring payment, from cable bills to car insurance.

It also offers help with debt consolidation and financial advice. To sign up for Trim’s mix of paid and unpaid services, you’ll need Facebook Messenger or a phone number.


According to BillShark, Americans could save $50 billion a year by negotiating their everyday bills, but they either don’t know how to do it or don’t have the time. That’s where the app steps in.

BillShark attempts to lower your phone, Internet, cable, home security and satellite radio bills. If the agents are successful, they’ll score 40% of the money they saved you — but if not, you won’t pay a thing.

When you want BillShark to negotiate a bill on your behalf, snap a photo and upload it to the app, and enter details about the bill’s date, type and amount. BillShark will update you throughout the process.


A Capital One company, Paribus scans your online shopping receipts to alert you when stores owe you a refund. The app tracks price changes for your purchases. If it detects a price drop for something you bought online, it’ll help you to get your money back.

It does the same thing for hotel bookings. Once you book a hotel online, the app will aim to rebook the room at a cheaper rate.

Paribus also keeps tabs on your shipments, and assists you in getting compensation for late deliveries. The app is free.


If you regularly shop with Amazon, Target, Home Depot, Uber, Old Navy and Expedia, you could be eligible for cash back. Ibotta is designed to help you to earn up to 10% cash back on purchases from 300 retailers and restaurants across the US.

The app is free, and works with both online and in-store purchases. Before you shop, head to the app to search for offers. If the store has a cashback offer, shop as you normally would and then upload a photo of your receipt to the app.


Run on Facebook Messenger, Cushion contacts banks and credit card companies on your behalf to get you reimbursed for the fees you’ve paid. It scans your transaction history to detect overdraft, wire transfer, foreign transaction, late and minimum balance fees. Currently, Cushion works with Chase, Wells Fargo, PNC and American Express, and is aiming to roll out the top 15 banks across the US in the second half of 2019.

5 apps that round up to help you save


Want to pay down your debt faster? Qoins collects the spare change from each debit and credit card purchase and applies it to your debt. It makes a single payment at the end of each month.

The app is compatible with 98% of financial institutions across the US, and it can send payments to any lender — as long as it has a valid account number and address. To use Qoins, you’ll need to grant the app access to your checking and debt accounts and pay the $1.99 monthly fee.


With Qapital, you can set specific savings goals, and then sit back as the app rounds up change from your purchases to the nearest dollar and moves it to your savings accounts.

The key to the app is customization: It’s up to you to establish your own goals and rules. For example, you can ask the app to make a deposit every time you dine out or visit the gym. The idea is to incentivize you to save while enjoying your life.

While Qapital is free, you can pay between $3 and $12 a month to unlock more account features. There’s also a $10 minimum opening deposit.


ChangEd aims to help you to chip away at your student loans and save on interest. Much like the other apps on this list, it works by rounding up your spare change and applying it to your student loan payments. Once you’ve saved $100, the app will send a payment to your student loan servicer.

Depending on your loan, you can choose to pay down your interest or principal. ChangEd reports that the average user saves $30 to $50 per month, which means that it may take a few months to raise the funds to make a payment. There’s also a $1 monthly fee.


Digit is a microsavings app that is designed to help you to save the money you wouldn’t miss. Once Digit is connected to your checking account, its algorithms start learning your financial habits, including your expected income and spending.

After calculating how much you can afford to save, the app then strategically transfers money into savings. The dollar amount that’s transferred will vary. For example, if you’ve taken unpaid leave or gone on vacation, the app will adapt to your new spending situation and adjust the amount accordingly. Digit costs $2.99 per month.


If you want to look beyond saving to investing, consider Acorns. The microinvesting app allows you to invest your spare change into a personalized investment portfolio. To start, you’ll need to connect your credit cards to the app.

Acorns will then round up your purchases, and send the leftovers towards your investments. When you set up an account, the app will ask you about your investment preferences. There are no minimum deposits or trading fees, but you will have to pay a $1 monthly fee.

Compare saving apps

Name Product Interest rate (APY) Fee Minimum deposit to open
This Goldman Sachs tracking tool includes a bill-negotiation service to reduce your annual bill and free credit score monitoring.
$2.99 per month
(can be waived)
Digit analyzes your spending and automatically saves an appropriate amount every day so you don't have to think about it.
$3 per month
(can be waived)
Saving for something special is fun. Qapital helps you get there faster with goals and rules. Plus, you can even team up with others to reach joint goals.
$1.99 per month
(can be waived)
Use spare change from everyday transactions to make an extra payment toward your debt, every month.

Compare up to 4 providers

Name Product APY ATMs Fee
Emma helps you in avoiding overdrafts, finding wasteful subscriptions and giving you control over your finances.
Clarity Money
Clarity Money
No access to ATMs
Organize your expenses, break down your spending by category, and track your transactions at a glance.
Over 32,000 MoneyPass ATMs nationwide
(can be waived)
This digital-only deposit account features overdraft protection, interest-free cash advances and no minimum balance. But prospective new account holders are waitlisted.
38,000 fee-free ATMs nationwide
Linked checking and savings accounts from a mobile-first bank that’s light on fees.
No access to ATMs
(can be waived)
Customizable, easy-to-use, and secure personal finance software. But it comes with a yearly fee depending on your plan and features.
No access to ATMs
Get financial advice, pay off debt, create a budget and automate savings with this budgeting app. But be prepared to pay for extra features.
No access to ATMs
Get personalized financial advice, set goals and create a budget with this chat-based AI assistant. But you’ll need to allow access to your Facebook account.
No access to ATMs
This app fights financial fees on your behalf ⁠— but it only supports four banks.
No access to ATMs
Earn cash back on everyday purchases

Compare up to 4 providers

Name Product Minimum deposit to open Available asset types Annual fee
$1 per month
Invest your spare change. Anyone can grow wealth.
Real estate
0.89% on balances up to $999,999

0.79% on balances of $1,000,000 to $2,999,999

0.69% on balances of $3,000,000 to $4,999,999

0.59% on balances of $5,000,000 to $9,999,999

0.49% on balances of $10,000,000+
Offers financial analysis and tracking, plus wealth management services. User-friendly interface with a retirement planner component.

Compare up to 4 providers

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Bottom line

Many of us have a long list of monthly expenses. With so many payments to keep track of, it can be hard to save. These apps were designed to automate the savings process and put money aside – with little to no effort on your part.

To get serious about managing your money, compare the latest budgeting software options.

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