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Apps That Help Save Money
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Apps That Will Help You Automatically Save Money Everyday
If youare looking for easier ways to manage your money and improve your savings habits, there is an app for that.
According to a Bankrate survey, nearly two-thirds of smartphone users have at least one financial app on their phone.[1] But since everyone has a different saving style, ranging from hands-on to set-it-and-forget-it, you need to find a tool that’s right for you.
There are three main types of money-saving apps: those that help you save money toward a goal, apps that help you shop, and apps that help you cut expenses. Depending on your goals and preferences, you may need some, one or all.
We all know that saving money is important, but finding the motivation or even remembering to put your money away can be the hard part. We’ve found several apps that help you save money in a way that works for you. Apps that handle change, for example, move your spare change to a savings account.
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Most of these require you to download the app, set up a profile, and link your checking account or credit card.
Acorns is an investment application that tracks your purchases on linked credit and debit cards and moves that spare change into an investment portfolio. Once you get into the habit of investing small change, you can boost those round-ups 2x, 5x, or even 10x. You can also set daily, weekly or monthly recurring deposits.
To get you into the right investment portfolio, Acorns will ask you about your financial situation, income, goals and risk tolerance. It will then recommend one of its five ETF-based investment portfolios, but you can override its selections.
There’s even a rewards feature: when you spend with Acorns’ partners, including Airbnb and Nike, you’ll get cash back.
Apps That Will Really Save You Money
It’s a good app for beginners, but you may want to consider upgrading to another service for larger investments down the road.
Sometimes you need a little fun to make a chore worthwhile. With Qapital, you can set multiple rules that trigger savings, such as saving a pre-set amount every time you post on Instagram or as a reward if you spend less than expected. Or you can choose a more straightforward approach, such as saving a percentage of each paycheck.
You also choose whether the money goes into an interest-bearing FDIC-insured account or an investment portfolio. With so many ways to save and track progress, it’s a solid goal-setting app. According to the company, the average user saves $5,000 a year.
Simple is an all-in-one savings app that offers a free checking account, debit card, and budgeting tools. To help you avoid overspending, the app scans your available funds and shows you how much you can safely spend each week. It can also automate your savings by rounding each debit transaction to the nearest dollar and automatically moving the money into an FDIC-insured savings account.
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Simple bank accounts are mobile-first, so it’s a good tool for those who prefer to bank on a smartphone. But since it doesn’t have brick-and-mortar branches, you can look elsewhere if you think you need personal help.
Digit is a savings app that calculates what you can save based on your account balance, spending patterns and the goals you set with the app. It then automatically moves money into an FDIC-insured savings account and distributes the money among your goals. You also get a 0.5% savings bonus every three months based on your average daily Digit balance. So if your average daily balance is $1,000, you would earn $5.
The beauty of Digit is that it simplifies a lot of the legwork. Your income, expenses and expenses can change from week to week, so Digit’s number-crunching can go a long way to saving you money and time.
SmartyPig allows you to create multiple money market accounts that act as virtual “piggy banks.” You attach goals with deadlines to each, such as “Europe trip 2021, $3,000” and can automate savings from a linked checking account or manually move money into the FDIC-insured accounts. SmartyPig also tracks your progress on each goal, which you can adjust at any time.
Apps That Will Help Save You Money Throughout The Year
It’s a money-saving app that’s easy to use, and since it takes a few days for all withdrawn funds to hit your account, the buffer can help if you feel the need to drain your savings. But the best feature is that it is free.
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Chime is another free money-saving app that includes other banking services, including checking and savings accounts. Through the app or a browser, you can automatically save a percentage of each paycheck or ask Chime to round up your purchases and put the rest into savings.
Chime is a useful option for people with spotty banking or credit history because the bank doesn’t run a credit check or review your ChexSystems report before you can open an account. This is part of the bank’s “second chance banking” program, which also includes zero overdraft and monthly maintenance fees and no minimum balance requirements.
How I Use Grocery Store Apps To Save Money
Nobody wants to pay a little more than they have to. But the old-school method of clipping coupons (and remembering to bring them with you) can be pretty inconvenient. Enter cash-back apps, which can help you save money on just about any purchase using your smartphone or browser extension.
Rewards is a free coupon finder browser extension that alerts you to better prices for your online purchases. Once you install the extension, the extension will send pop-up notifications when you shop on a site that has digital coupons or a cash-back offer available.
It is an easy way to save money on everyday online purchases and there is absolutely zero cost to you. Totally free cash back with the click of a button.
Swagbucks is a website where you can earn rewards for taking online surveys, playing games, shopping and watching videos. Once you sign up for an account and fill out a profile survey, the site looks for points-earning matches for your demographic.
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You earn points, known as SBs, for completing these tasks and can redeem them for gift cards. There are even more opportunities to earn SBs when you shop at Swagbucks partners, including Amazon, Walmart, Target and Starbucks.
Fetch Rewards is a free mobile app that lets you earn rewards by taking pictures of your receipts. If the receipt contains participating brands, you will earn points based on the cost of the product. You can redeem points for gift cards, donate them to charity, or use them to enter monthly sweepstakes.
It’s a good tool if you don’t want a browser to track your searches and purchases, you don’t have time to earn rewards by completing tasks, or you don’t want to deal with coupons (even digital ones).
According to another Bankrate survey, 21% of consumers don’t save money at all, typically because everyday expenses use up most of their hard-earned dollars.
Apps That Help You Save Money
Trim is a service that helps you negotiate your bills and cut out unused subscriptions like those pesky trials you forgot to cancel. There’s no app, so you’ll sign up online and connect your bank account.
Then Trim analyzes your transactions to find recurring expenses and sends you alerts. If you are not interested in keeping recurring services, Trim will cancel them for you or offer to negotiate your bills on your behalf. If you end up saving money, Trim takes 33% of the amount you save in your first year.
Rocket Money is an app that connects to your financial accounts and monitors your spending and expenses, then negotiates your bills for free. It’s a lot like Trim, with a few key differences. When you save money, both services take a percentage of your savings. Rocket Money takes 40% (versus Trim’s 33%) and has full budgeting capabilities, including a monthly expense report.
One of the main differences between Rocket Money and Trim is the logistics of using them: Trim doesn’t offer an app, while Rocket Money does.
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Empower is an app that combines some of the best features of other money-saving services, including
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