Are you looking for new ways to save money? There are plenty of apps out there that can help you reach your goals in no time.
Finance software has exploded in popularity for years, and there always seems to be a new platform with new user-friendly features to help you keep your finances under control.
But with so many options, how do you know which one’s best for you?
We’ve gathered a list of the top personal finance apps to help you get started.
4 Money Saving Apps To Help You Start Saving Now
From user-friendly features to cash rewards, these money-saving apps can help you organize your money starting today. Here’s a quick rundown of each one and what they have to offer:
1. Chime: The #1 Most-Loved Banking App with No Monthly Fees
Founded in 2013,is an award-winning personal finance app with the mission of helping its customers manage their money minus the pesky bank fees and penalties. The platform is simple to use and packed with features that make it easy to track your expenses.
Some of the best perks you can take advantage of as a member are:
- Early paydays1 of up to two days in advance when you sign up for direct deposit
- Building your credit score for free with a Secured Chime Credit Builder Visa® Credit Card2
- Zero monthly fees
- High-yield savings that are 9x the national average
- And so much more!
If you’re sick of overdraft fees and low returns on your savings, Chime is a great option to consider.
2. Acorns: 10+ Million Customers Invested Over $15 Billion
Cost: Starts at $3/month
Acorns is one of the most popular micro-saving and investing apps in the personal finance space.
Its signature Round-Ups® feature lets you invest any spare change into an investment portfolio based on your risk tolerance. And since the app lacks assets under management fees, it’s much easier for everyday users to start building their nest egg.
Once you sign up, you can also create IRAs, get cashback rewards from hundreds of brands, and enjoy plenty of other perks that make planning for your financial future a breeze. When you make your first investment, you’ll get a $20 bonus!
3. Rocket Money: Where Average Savings are $720/Year
Cost: Free with optional services starting at $3/month
Formerly known as Truebill, Rocket Money is a fintech app that aims to help people manage their finances efficiently. From autopilot saving options to bill automation, the platform has helped its members save over $245 million.
If you have a lot of subscriptions, one of Rocket Money’s biggest advantages is giving you the ability to manage them in one place. Consumers spend an average of $133 on subscriptions they don’t use, wasting thousands of dollars each year. Canceling these can translate into more significant savings at the end of every month!
4. Digit (Now Oportun): Save Money Without Thinking About It®
Cost: Free 6-month trial, then $5/month after
Do you need that extra push to save for your rainy day fund or your next big trip? The Digit app (now renamed to Opportun) helps you seamlessly put cash away, budget expenses, and invest in your portfolio monthly.
Instead of strict savings plans, Opportun analyzes your daily spending habits and tiny bits of money towards your savings goals. You’ll also have complete control of your daily savings limit, the number of personal goals, and when to start saving.
If you need help keeping track of your bills, Opportun will also put funds into a separate account when there’s a deposit so you have your money ready.
The all-in-one approach makes this app one of the most convenient ones on the list. Perfect for those looking to manage their finances in one place!
The Bottom Line
Investing in reliable financial software has helped many people finally take control of where their money goes. No matter which one you choose, every app on this list will make reaching your financial goals a breeze!
- New Report Finds That Even Millionaires Are Struggling To Save Up For Retirement
- Chime Review: No Monthly Fees, Early Payday^ Feature, and A Better Way to Build Credit
- Acorns App Review: How To Invest Spare Change for a Big Change
- Why Millennials Love This Budgeting App That Saves People Over $720/Yr
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
2To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.