Are you ready for a long list that contains the best money-saving apps? I hope that you are:
Anyone can use an app or two that can help them save some cash. After all, not everyone is good with budgeting or tracking expenses!
Nowadays, earning well is not enough:
You should also learn as much as possible about wealth building and money management. That’s where the apps for saving money come in.
Today, I’ll show you the best apps you should download to manage and save money. Let’s get to it, shall we?
Top Apps For Saving Money
Why Using The Best Money-Saving Apps Is More Important Than Ever
People have been saving money since the beginning of time. However, doing it now matters more for obvious reasons:
- The cost of living is constantly increasing: Have you been paying attention to inflation lately? Unless you live in complete oblivion, you already know the impact of inflation on prices. Saving money can help you manage prices without going into debt.
- Everyone should prepare for unforeseen events: We have already lived through one pandemic; this one is hard to forget! Unfortunately, being stuck at home with no opportunity to earn money is not the only event that can affect your household. Add recessions and stock market changes, and you’ll get the full picture.
- Interest rates are rising: Most banks worldwide have been steadily increasing interest rates for years. As a result, getting loans or mortgages will cost you more than it did a few years ago.
- No one needs the extra stress: Knowing that your savings account exists will reduce your stress levels!
Are The Apps That Help You Save Money For A Goal Safe?
Is security your number one concern when choosing a money-saving app? If it isn’t yet, it should be:
Using any budgeting, saving, or investing app means sharing your bank data with that application. However, there is no need to worry about that:
Trusting any of the best money-saving apps in this article will not be an issue, considering they all offer reliable protection. These apps implement encryption and provide secure connections to keep your data safe.
Best Money-Saving Apps For Cash Management And Wealth Building
1) Upside
Downloading Upside should be the number one priority for anyone who wants to save money by taking advantage of local deals. That’s what Upside does as a savings mobile app:
Upside is one of the best cash-back apps you can use when you shop at nearby locations. Feel free to use it at grocery stores and gas stations.
So, get the app, shop, and claim available cash-back offers. Once the app processes the offer, you can receive your earnings through various payout methods (your bank account, PayPal account, or gift cards).
2) Starling Bank
Millions of people can open brand-new bank accounts without leaving their homes. They can do that from their mobile devices if they are familiar with the Starling Bank app.
Starling Bank has launched its one savings app. Having access to that app is a great idea for individuals who want to improve their financial health and spending habits.
The best part about the Starling Bank app is its auto-saving feature. Of course, the application offers much more than that to new users!
3) Oportun (Also Known as Digit)
Why is Oportun one of the best money-saving apps available today? There are plenty of reasons, and here are the most essential ones:
Previously known as Digit, Oportun links to your checking account, analyzes your spending patterns, and moves funds to your savings account on your behalf. In other words, Oportun is an automated savings app that ensures you’d always have cash for a rainy day.
Unfortunately, Oportun is not a free app (there is a 30-day free trial). You’ll have to pay a $5 monthly fee once that trial is over. Overall, the paid version is worth it, considering its best feature (allowing you to set savings goals directly from the app).
Also, the amount Oportun transfers will go into an FDIC-insured account.
4) Chip
Another great app that can assist you when making financial decisions is Chip. What’s so great about it?
Well, Chip operates similarly to Oportun: it ensures that you have automated savings by transferring cash for you. As you can guess, the app will also track spending patterns and financial habits.
By all means, the Chip app makes the savings process as simple as possible. Besides, the user experience will justify your expectations.
5) Qapital
Do you want to know what I think? In my humble opinion, all top financial apps have one thing in common: an auto-savings feature. Such an app is Qapital:
Qapital can help you reach your financial goals by allowing you to set Savings Rules. These rules let users decide the small amounts of money to transfer into savings.
On top of all that, Qapital offers other financial products you can use. For instance, you can link an existing checking account or open a Qapital spending account (the latter comes with a debit card).
6) Splitwise
Chances are, many of you don’t expect to see Splitwise on this list of best money-saving apps. Let me tell you why you should adjust such expectations:
Splitwise will share your shared expenses without any work on your behalf. Don’t hesitate to create a group once everyone you share expenses with downloads the application.
Naturally, all account holders can see how much each member has spent and on what. Managing your monthly budget will become easier once you can see all expenses in one place!
7) Big Oven
I gotta admit: the name of this next app was misleading when I first read about it. Big Oven sounds like an app that lets people get paid to eat.
But that’s not it! Instead, the app helps a lot with your financial planning by allowing you to save money on meals. You’ll reduce your monthly expenses once you download that app.
All you must do is input the ingredients you have, and Big Oven will tell you the meals you can prepare with them without spending extra money on groceries.
Related Read:
8) Goodbudget
Goodbudget is a popular budgeting app millions use to save money by implementing the Envelope System. Let me elaborate on that:
Take control of your personal finances by injecting portions of your income into virtual envelopes, such as Savings, Housing, or Groceries. There are no automatic savings here, though:
All app users must write down their expenses manually. I suggest sticking with the free version of the app (it gives you up to 10 Envelopes).
9) Snoop
Snoop is on most lists of best money-saving apps. That shouldn’t surprise you at all.
Get the app, link your bank or credit card accounts, and Snoop will show you how much money you spend on food or transport. Meanwhile, the app will also highlight your financial situation with bills.
Expect valuable tips and little help to receive free money from your cash-saving activities. More importantly, no one can access your financial data, considering Snoop will protect it at all costs!
See Also: How To Receive Free PayPal Money Fast
10) Rest Less
What’s the deal with Rest Less? Does it improve your credit score, increase your cash flow, or help you create an emergency fund?
Actually, Rest Less is all about keeping your nearest dollar by using discounts and special offers. But how does this work?
Anyone who downloads the app receives access to comparison tools. As you can guess, these tools can help you find the best deals for your mortgage, car insurance, or energy bills.
11) Chime
Generally, everyone should gain access to a finance app like Chime. I know there are plenty of apps to choose from, but Chime is a must for many reasons.
Firstly, Chime offers automatic transfers (the app moves a portion of your paycheck into a savings account each time you receive your salary). Secondly, the app will round up each debit card purchase to the nearest dollar, and the change will go to your savings.
Lastly, your Chime account comes with FDIC insurance: that’s one of the great things about it!
12) Trolley
Are you ready to get paid to shop? Hopefully, you are, because Trolley is one of the best money-saving apps that can help you do that.
Users can compare prices in all their favorite supermarkets. They can also create lists of must-have products, check their price history, and receive alerts when lower prices appear.
According to Trolley itself, using the app can save you up to 30% on your weekly shopping. Shouldn’t you enjoy such savings and use the money for your next guilty pleasure?
13) Meerkat
Quite frankly, there are few things I like more than dining out. Who is with me?
If you love visiting local restaurants and saving on the next dollar you will spend there, Meerkat is the right tool for you. Some deals will reduce your spending by up to 50%!
Meerkat is free to use: the app is available for download to both iPhone and Android owners.
14) Emma
It might be hard to believe, but there is no limit to what Emma can do for your money management. Emma combines all your financial accounts (bank, savings, and credit cards) to manage them.
Each Emma user receives real-time information covering all their accounts. However, that’s not all:
Many features are available inside the app, including spending and net worth tracking. At this time, Emma has a free and a paid version (the premium version costs less than $5 per month).
15) Clarity Money
I don’t think there is another application on this list of best money-saving apps with a name as self-explanatory as this one:
Clarity Money will help you see your financial standing as clearly as possible. This app is mostly for people who often forget about the paid subscription services they have signed up for.
Naturally, Clarity Money will remind you to cancel all paid services you aren’t actively using. Also, the app will help you negotiate lower rates on your credit cards or any loans you have (student loans are a great example).
See Also: Best Ways To Make Money In College
16) Current
Any app you can use to set goals and achieve them without much hassle is worth having; Current is one.
Current offers both savings and checking account features. Each new user receives a debit card after downloading the app, but that’s not the best part:
Your deposits can earn you interest!
17) Beanstalk
Beanstalk operates differently from most of the best budgeting apps. That app is much more about investing than saving:
Individuals can open investment accounts for themselves and their children. There is no minimum starting deposit or saving pods you must place in the accounts each month.
Should new investors with no experience rely on Beanstalk? My answer is yes, considering the app lets you choose your investment options (cash funds or share funds).
18) Empower
Empower offers one of the best ways to save money through smart budgeting activities. Don’t expect to pay for this application:
Downloading Empower is possible for free. Once you get the app, feel free to use all its wonderful tools.
Nowadays, Empower can help you create a budget and track cash, including mortgages and investments.
19) Revolut
Revolut is one of the best money-saving apps that you can get for free. While the app has a premium version, the free one works just fine:
What can you do once you download the Revolut app? Well, you can take advantage of various banking services, such as budgeting, automatic savings, and investment.
Assuming you have already set budgeting goals, Revolut ensures that you’ll stick to them by tracking your spending.
20) Acorns
Opening an Acorns account after downloading the app should be a no-brainer for multiple reasons. Let’s look at them, shall we?
What Acorns does best is help you save and invest your spare change by rounding up your purchases. The small amounts of money go directly into your very own investment portfolio.
More importantly, your investments are protected: Acorns cares about FDIC insurance!
21) Rocket Money
Do you have any idea how many savings and budgeting tools Rocket Money offers? Prepare to be amazed:
For starters, Rocket Money can help you cancel recurring monthly subscriptions to services you don’t use. Then, the app will give you a clear view of your financial health, track your spending, and send alerts when your account balances are running low.
Paying for the app’s premium version is worth the money: a paid Rocket Money account comes with additional features, such as bill negotiation services.
22) You Need a Budget
No matter how hard they try, millions of people struggle to budget. And even if they do, the same people find it challenging to stick to their budget.
I would advise each of them to look into You Need a Budget:
There is no other entry on this list of best money-saving apps that can make each dollar work with a specific purpose like YNAB!
23) Olio
Quite frankly, I can’t think of another app that works as efficiently as Olio at saving you cash while reducing food waste. Here is how to make the best of the application:
Get Olio and list everything you won’t be eating that is currently in your household. Don’t forget to take a photo of each item, and the app will offer your redundant ingredients to others who need them for free.
So, you’ll save money by getting food without paying for it while helping others do the same!
24) Idealo
Speaking of items, we can’t always get them for free. Be that as it may, we can secure many of them at lower prices than they currently cost.
Don’t you hate paying more for something only to discover later that you could have paid less if you’d bought it elsewhere? Idealo will save you from experiencing that again:
Idealo users can search for any product they wish to buy and compare its prices among all retailers selling it. And always paying less is an excellent way to save money!
25) My Data Manager
Shall we discuss an app that can give you full control over your mobile data usage?
I would say we should: that control will protect you from spending more on your phone bills. Get the My Data Manager app to prevent that.
The way I see it, this app will help you create a budget for your phone expenses. Isn’t that an alternative way to save some cash?
26) Vypr
Have you taken a recent survey in your free time lately? Maybe you should after downloading Vypr:
Vypr users can answer as many questions as they want. Each answer brings them points, which can be converted to PayPal cash.
Yes, Vypr is more of a money-earning app than anything else. Still, the application deserves a mention, in my opinion.
27) O2 Priority Rewards & Tickets
Do you need to download an app like O2 Priority Rewards & Tickets? Those who are obsessed with discounts shouldn’t hesitate to get the app:
O2 has plenty of restaurant vouchers and freebies to spare. Would you say no to that?
Just make sure that you won’t miss any opportunity to redeem all available freebies in time!
28) Mint
Generally, overspending when shopping is one of the worst things that can happen when you’re trying to save money. Can you guess what else is just as bad?
Paying late fees or penalties for forgotten payments is a suitable answer. Mint won’t let you deal with that:
People who use Mint have personal bill reminders to help them avoid losing money.
29) Too Good To Go
Overall, Too Good To Go is the most unique entry among all the best money-saving apps. Why is that?
It’s all about the way the app operates to save you money:
Too Good To Go will connect you with local shops and restaurants that didn’t manage to sell the food they offer on a specific day. Then, you’ll have the opportunity to buy those meals at lower prices.
30) Raisin
Raisin will increase your ability to save more money by providing you with simple customer service assistance:
The app allows you to choose from different banks and find the most competitive savings accounts available to users.
At the time of writing, Raisin gives you access to over 20 savings providers you can choose from!
31) Plum
Plum is a suitable alternative if you need a money-saving app that analyzes your spending patterns and helps you reduce your expenses.
More importantly, the app will show you how much money you can afford to save daily.
Nowadays, Plum doesn’t offer a free 30-day trial. No, the app has a free and premium version users can choose from.
32) Honey
I doubt anyone would be surprised to see Honey in this article:
Honey is a free browser extension you can download on your computer. Once you do that, the extension will automatically find coupon codes and discounts you can apply when shopping online.
Believe it or not, Honey can find you coupons you can use at thousands of shopping websites!
See Also: Best Coupon Sites To Earn And Save Money
33) Monzo
Have you signed up for internet banking yet? Monzo gives you a good reason to do it:
This money-saving app lets you set spending targets to keep your expenses in check. Meanwhile, anyone using Monzo can create a bill tracker that notifies you when your direct deposit is lower or higher than usual.
In addition, the app allows its users to have as many savings pods for practical needs as they see fit.
34) Moneybox
What does Moneybox do? That’s an incredibly easy question to answer:
Similarly to Acorns, Moneybox will round up your purchases and put that spare change into a savings or investment account.
Unfortunately, the app is free to use only for the first three months.
35) Monarch Money
Downloading the Monarch Money app is a decision you won’t regret:
Monarch is an excellent app for anyone who wants to create a budget, track their progress, and use some assistance with wealth-building strategies.
Don’t hesitate to save more and spend less once you have Monarch on your side!
Additional Best Apps To Save Money
- Curve: Curve will ask you to register all your cards on the app. Once you do that, you’ll receive a Curve Mastercard that allows you to spend money from all your accounts while tracking your expenses.
- Sprive: Can you use some assistance with regular mortgage overpayments? Assuming you can, Sprive is an app that will serve you well.
- Quidco: Quidco gives you access to cashback offers and discount vouchers you can use when you shop online or in-store.
- Hopper: Hopper can save you money by analyzing flights, hotels, and rental car prices. Of course, the app will show you the cheapest options possible.
- Topcashback: Most people researching the best money-saving apps are already familiar with Topcashback. Topcashback gives you access to the best grocery prices when you shop online or locally.
- Mvelopes: Mvelopes will create a monthly budget plan for you by implementing the well-known Envelop system.
- mTrakr: That app has a user-friendly interface you can rely on to track your monthly expenses while offering money-saving suggestions.
- Cashkaro: Accessing any online shopping site through Cashkaro will show you the best money-saving deals, offers, and discounts.
- PetrolPrices: As the name suggests, PetrolPrices is a fuel price comparison application you should use to save money on petrol.
- CheckoutSmart: Save more and spend less on your online shopping once you download the CheckoutSmart app!
- Airtime: Airtime will become your new best friend if you want to save money on your phone bills.
- Split My Fare: Split My Fare is for anyone who wants to pay less for train tickets.
- Vouchercloud: This app will help you discover new discounts and coupon codes.
- VoucherCodes: Anyone should use a money-saving app that offers vouchers and discounts on products and services!
- HyperJar: Who would say no to a budgeting app that allows them to set up mini accounts (jars) for specific goals?
My Closing
My list of the best money-saving apps is coming to an end.
No worries, though:
I’ll keep expanding it with more relevant options in the future. After all, Dave Ramsey is not the only one who knows a thing or two about saving money!
What questions do you have on this topic?
Alternative Ways To Earn Or Save Money
- 30 Ways To Earn $10 Daily
- 40 Ways To Earn $100 Daily
- I Need Cash Right Now
- Can You Make Money While Doing Nothing?
- 70 Ways To Earn Cash Without a Job
- Legitimate Ways To Earn Money Online
- Ways To Make Money From Home
- Easy Ways To Earn Extra Money
- How To Earn Money Fast
- Nearly 100 Apps That Offer Real Cash
- Gig Economy Apps That Pay a Lot
- Top Passive Income Apps
- Passive Income Ideas That Work