The Best Money-Saving Apps of 2021

Best Money Saving Apps BadgeWe selected Acorns as the best money-saving app because it offers many investment options and security features. While Acorns should be the best solution for most people, some users will find that other apps are better for addressing their specific needs. We have also reviewed nine other top money-saving apps that you should check out below.

Top 10 Money-Saving Apps to Try

How We Chose the Best Money-Saving Apps

When determining the best money-saving apps, we looked for features such as investing, mobile payments, and cashback rewards. We included providers that offer affordable pricing and multiple channels you can contact for support.

Choose the money-saving app that’s right for you

The best money-saving app for one user may not be the best for another, as people often have different financial goals. For example, you may be interested in using the stock market to make the most of your savings, or you might be more concerned about analyzing your budget and identifying ways to cut down on your spending.

Turning spare change into big savings

One of the most popular features for money-saving apps is rounding up your purchases to the next dollar, then allowing you to save or invest this spare change. This is one of the most effective ways to build up savings while sticking to a realistic budget, so we made sure to include several apps that offer this feature.

Our Money-Saving App Reviews

Acorns — Top Pick

Acorns App feature

Download: Android | iOS

Acorns makes it easy to save more money. You can use this app to automatically round up your purchases and invest your spare change in one of their diversified ETF portfolios. Acorns also gives you the option to set up a retirement plan or an investment account for kids. You can be confident your financial data is protected, as Acorns offers bank-level security and encryption.

Notable features:

  • No free trial
  • Acorns Lite: $1/month, Acorns Personal: $3/month, Acorns Family: $5/month
  • Support available: FAQs, Tickets
Acorns Pros & Cons
What we like What we don’t like
Variety of saving features No free version is available
Strong security  

Qapital — Most Advanced Saving Technology

Qapital App feature

Download: Android | iOS

Want to build up some savings in case of an emergency? With Qapital’s personalized goals and automated saving rules, you can do so without even thinking about it. This app’s advanced technology is based on behavioral economic principles. It can help you design the optimal weekly budget for your situation and make the most of your income. Qapital is especially useful for couples, as it allows you to save toward shared goals and see each other’s transactions without giving up your account.

Notable features:

  • 30-day free trial
  • Basic: $3/month, Complete: $6/month, Master: $12/month
  • Support available: Help Center, Live Chat, Email
Qapital Pros & Cons
What we like What we don’t like
Collaboration tools No free version is available
Live support  

Chime Banking — Best Banking Features

Chime Banking App feature

Download: Android | iOS

Chime can certainly help you save up, as it offers features for saving money automatically as you send or receive payments. What sets Chime apart from the other apps covered in this guide is a full suite of banking features, there are no monthly fees or overdraft fees, and there’s no minimum balance required. You’ll also get access to a network of 38,000 fee-free ATMs, and you can get paid up to two days early with a direct deposit.

Notable features:

  • Free mobile app
  • Support available: Help Center, Email, Phone
Chime Banking Pros & Cons
What we like What we don’t like
Complete banking solution Limited saving features
All features included for free  

Digit — Best for Paying Off Debt

Digit App feature

Download: Android | iOS

In addition to building up your savings, you may also be interested in paying down debt. In that case, you should strongly consider Digit, as this app has been used to pay off over $180 million in debt collectively. Digit analyzes your spending patterns and income, and then it will help you save what you can afford and pay off your debts faster. You can also set up this app to automatically move money back into your checking account whenever needed to avoid overdraft fees.

Notable features:

  • 30-day free trial
  • $5/month
  • Support available: Help Center, Email, Tickets, FAQs
Digit Pros & Cons
What we like What we don’t like
Tools for paying down debt No free version is available
Overdraft protection  

Stash App feature

Download: Android | iOS

With over five million installs from Google Play alone, Stash is one of the most popular money-saving apps. ITt’s easy to see why this app is so popular as Stash allows you to save for retirement, set up children’s investment accounts, and get personalized financial advice. Their Stock-Back card lets you earn stock in well-known brands such as Netflix, Tesla, and Amazon while you shop.

Notable features:

  • 14-Day Free Trial
  • Stash Beginner: $1/month, Stash Growth: $3/month, Stash+: $9/month
  • Support available: FAQs, Email
Stash Pros & Cons
What we like What we don’t like
Variety of saving features No free version is available
Earn stock while you shop  

Ibotta — Best for Cash Back Rewards

Ibotta App feature

Download: Android | iOS

Ibotta offers cash-back opportunities with thousands of top brands and retailers, including Best Buy, Safeway, eBay, and much more. Overall, this app has saved its users over $500 million. It’s completely free to use, and you’ll get an immediate $20 bonus credit just for signing up. Also, it’s easy to transfer your cash-back rewards from Ibotta directly to a gift card, bank account, or PayPal account.

Notable features:

  • Free mobile app
  • Support available: Help Center, Tickets
Ibotta Pros & Cons
What we like What we don’t like
All features are free to use No live support
Variety of cash-back opportunities  

Capital One Shopping — Best for Coupons

Capital One Shopping App feature

Download: Android | iOS

If you don’t have a Capital One account, you can still use their shopping app. Consider doing so, as it offers exclusive deals with major retailers such as Amazon, Target, Walmart, and Costco. You can also earn rewards and redeem them for gift cards, and Capital One Shopping makes it easy to find the latest coupon codes that are available at your favorite stores.

Notable features:

  • Free mobile app
  • Support available: Help Center, Email
Capital One Shopping Pros & Cons
What we like What we don’t like
All features are free to use No live support
Coupon finding tool  

Honey — Most User-Friendly Interface

Honey App feature

Download: Android | iOS

Like several apps covered in this guide, Honey can help you save money by connecting you to discounts and other deals. What separates this app from the rest of the pack is the ease of use.  Conveniently, it allows you to shop from tons of stores in one place. Coupons can be applied with just one click, or all you need to do is copy and paste the coupon code to unlock your savings.

Notable features:

  • Free mobile app
  • Support available: Help Center, Email
Honey Pros & Cons
What we like What we don’t like
All features are free to use No live support
Intuitive interface  

Shopkick — Best for In-Store Shopping

Shopkick App feature

Download: Android | iOS

E-commerce has become popular in recent years, but you likely still do at least some of your shopping at physical stores. Shopkick is a useful money-saving tool for those in-store shopping trips, as you can earn reward points, referred to in the app as “kicks”, by scanning barcodes, scanning receipts, and even just walking through the entrance of certain stores. You can earn kicks with your online purchases as well, and by watching videos.

Notable features:

  • Free mobile app
  • Support available: FAQs, Tickets, Email
Shopkick Pros & Cons
What we like What we don’t like
All features are free to use No live support
Variety of ways to earn rewards  

Twine — Best for Couples

Twine App feature

Download: iOS

Twine stands out as another app that is excellent for couples who are saving toward a shared goal. Here’s how it works, pick a goal, like saving for a wedding, a house, retirement, etc., connect your bank accounts, and start saving. Twine allows you to track your progress, and the app can provide you with personalized recommendations that will help you reach your financial goals. It also provides bank-level security to ensure that your sensitive financial data is kept private.

Notable features:

  • Free mobile app
  • Support available: FAQs, Email, Phone, Support Articles
Twine Pros & Cons
What we like What we don’t like
All features included for free Not available for Android devices
Collaboration tools  

Money-Saving Apps: Feature Summary Table

Money-Saving Apps Comparison Table
App Subscription Fees or In-App Purchases Features
Acorns — Top Pick   Acorns Lite: $1/month,
Acorns Personal: $3/month,
Acorns Family: $5/month
X Mobile Payments
✓ Rewards/Cash Back
X Deal Finder
✓ Investing
Qapital — Most Advanced Saving Technology Basic: $3/month,
Complete: $6/month,
Master: $12/month
✓ Mobile Payments
✓ Rewards/Cash Back
X Deal Finder
✓ Investing
Chime Banking — Best Banking Features Free ✓ Mobile Payments
✓ Rewards/Cash Back
X Deal Finder
X Investing
Digit — Best for Paying Off Debt $5/month X Mobile Payments
✓ Rewards/Cash Back
X Deal Finder
✓ Investing
Stash — Most Popular Stash Beginner: $1/month,
Stash Growth: $3/month,
Stash+: $9/month
✓ Mobile Payments
✓ Rewards/Cash Back
X Deal Finder
✓ Investing
Ibotta — Best for Cash Back Rewards Free ✓ Mobile Payments
✓ Rewards/Cash Back
✓ Deal Finder
X Investing
Capital One Shopping — Best for Coupons Free ✓ Mobile Payments
✓ Rewards/Cash Back
✓ Deal Finder
X Investing
Honey — Most User-Friendly Interface Free ✓ Mobile Payments
✓ Rewards/Cash Back
✓ Deal Finder
X Investing
Shopkick — Best for In-Store Shopping Free X Mobile Payments
✓ Rewards/Cash Back
✓ Deal Finder
X Investing
Twine — Best for Couples Free X Mobile Payments
✓ Rewards/Cash Back
X Deal Finder
✓ Investing