8 Best Money-Saving Apps On The Market

Dec 20, 2022 last_updated min_read

Saving money can be challenging for anyone — regardless of income level. That's why the right tools and resources are essential in maximizing your efforts to build savings. Countless apps provide users with options, from basic budgeting software to more advanced digital banking applications.

These are the 8 best money-saving apps on the market to make your budgeting (and life in general!) more straightforward.


Acorns is an easy and convenient way to save for the future! The app automatically rounds up your purchases so that you can invest small amounts of spare change with every transaction. Your savings are invested in a diversified portfolio of exchange-traded funds (ETFs) — making it simple yet powerful to watch your money grow over time!

The app allows you to choose from various investment opportunities to build your financial portfolio. It even offers personalized guidance and educational resources to gain valuable insight into investing strategies and maximize your wealth potential!

With Acorns, you can turn spare change into investments and savings with simple steps! Download the app on either your iOS or Android device to get started. All it takes is linking one of your credit/debit cards — no sweat! The app will take care of rounding up purchases automatically so that you don't have to lift a finger to begin growing an impressive portfolio.


Digit is a personal finance app that helps you save money automatically. The app analyzes your spending habits and income and automatically transfers small amounts of money from your checking account to a savings account regularly. The idea is to help you save money without even thinking about it.

piece of paper with a dollar sign and a red pencil next to it and a calculator at the top

Digit also offers other features to help you manage your money, such as text message alerts for your account balance and upcoming bills and a chatbot that can answer your questions and provide personalized advice.

Additionally, the app has a no-overdraft guarantee, so you won't be charged fees if it transfers more money than you can afford to save. Digit is an accessible financial app compatible with iOS and Android devices. Keep track of your budget from the palm of your hand!


Qapital is a personal finance app that helps you save money and reach your savings goals. The app allows you to set specific savings goals, such as saving for a down payment on a house or a trip. Also, it can create "rules" to help you reach those goals.

For example, you can set a rule to round up your purchases to the nearest dollar and save the difference or automatically transfer a certain amount of money from your checking account to your savings account each week.

One of the critical features of Qapital is its flexibility in terms of the savings goals and rules you can set. It allows you to tailor the app to your financial needs and goals. In addition to the standard round-up and automatic transfer rules, Qapital offers a range of other options.

For example, the ability to save a set amount each time a specific transaction is made. Or to save a fixed amount each time a particular keyword appears in your social media feed.

Additionally, the app provides access to a network of ATMs where you can withdraw cash without incurring fees, further increasing your savings.


Trim is a way to save money without any hassle! With the power of Artificial Intelligence, Trim reviews your bills and subscriptions for potential savings opportunities. It will negotiate with providers on your behalf — saving you time and money by securing lower rates or refunds from past overcharges.

glass jar with coins inside of it

One of the key benefits of using Trim is that it takes the hassle out of negotiating with companies. Many people are either unaware that they can negotiate their bills and subscriptions, or they simply don't have the time or confidence to do so themselves. Trim takes care of this process on users' behalf, saving them money without spending time on the phone or online.

In addition to negotiating your bills and subscriptions, Trim also offers a range of other features to help you manage your money. These include tracking your spending, setting and tracking financial goals, and receiving alerts about potentially fraudulent charges on your accounts.


Mvelopes is a personal finance app that empowers users to take control of their spending. The envelope budgeting method creates virtual wallets for each area of your finances, such as groceries, gas, and entertainment, with an individualized limit on what you can spend in each category — making sure you spend wisely!

The Mvelopes app makes keeping a budget simple and effective. With the app, you have predetermined limits for each spending category, so you can be confident that your finances are under control — no more impulse buys or overspending worries!

It also offers real-time updates on how your money is being used, allowing you to make any adjustments needed along the way. Put Mvelopes in your pocket today and keep track of every penny spent with ease.

Clarity Money

Clarity Money provides powerful financial tools to help your reach your goals. The app's artificially intelligent insights can spot areas where you could save money and provide personalized recommendations on how to do so — from canceling unused subscriptions to finding more affordable alternatives for current expenses.

a calendar and a calculator and two notes of cash

Clarity Money is an excellent tool for anyone who wants to manage their finances efficiently. It pulls all your financial data together, giving you the big picture of where and how much you spend.

This app can help those with disorganized budgets identify areas for improvement and ensure they aren't overspending on things that may not be necessary!


Wally is an ideal resource for those looking to stay on top of their finances. By connecting it with your bank accounts, Wally will help you track and understand where your money goes each month. It allows you to create budgets, set financial goals, and get alerts about unusual spending — all from one user-friendly app!

Wally is the perfect financial ally, granting users an up-close and personal glimpse at their economic status. From tracking income to expenses, the app reveals which spots are draining cash — enabling wallets everywhere to quickly find areas for budget cutting or adjustments in spending behavior.


Mint is a game-changing financial tool that takes users on an exploratory journey through their finances. With secure bank account and credit card links, the app offers insights into income, expenses, and net worth to help identify potential savings opportunities. They also provide personalized recommendations for building wealth over time — so you can reach your money goals faster!

Mint helps users become smarter with their finances. With its powerful categorization capabilities, you can quickly and easily see where your money is going — enabling better budgeting and more informed spending decisions so that financial goals are achievable! It also offers additional safeguards, such as alerts about suspicious activity or unexpected charges.

Money saving and budgeting are essential in the current economic climate. It does not need to be difficult and does not require you to have thirty different Excel spreadsheets available just to keep track of your expenses.

These 8 apps are sure to lend you a hand and make your life easier financially and practically. If you would like to earn, besides saving, you can do so without spending a dime or doing anything. Have you ever heard of getting money for sharing your unused internet bandwidth?