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18 Best Money Saving Apps (August 2021)

A comprehensive list of the best money savings apps to help you budget, save, invest, and manage your finances.

  • We’ve curated the best apps and websites you can use to make saving money easier.
  • Apps like Acorns and Stash let you put your savings on auto-pilot, while also letting you invest on auto-pilot.
  • Websites like Rakuten and Honey let you save money before you even spend it by finding the best coupons and cash back deals on your purchases.

Saving money is a crucial part of building wealth or meeting certain financial goals. If you aren’t saving money, it’s important to start as soon as possible.

Saving your money gives you more freedom and opportunity. For example, it allows you to invest more, go on more vacations, and be a more generous person.

Saving money has become easier thanks to money saving apps and websites. Most of which are free and available at your fingertips.

In this article are 18 of the best money saving apps you can find. These apps make saving toward your financial goals easier, and in some cases, faster. Continue reading to learn more.

18 Best Money Saving Apps

Here are the 18 best money saving apps.

  1. Acorns — Best if you’re a new investor
  2. Stash — Best if you have some experience investing
  3. Personal Capital — Best if you need robust finance tools
  4. Qapital — Best if you want a modern and fun tool for banking and saving
  5. Honey — Best if you want automated coupons at checkout online
  6. Rakuten — Best if you want to get cash back when shopping major brands
  7. Ibotta — Best if you want to save on groceries
  8. Drop — Best if you want to save money passively
  9. Dosh — Best if you want to make money doing everyday things
  10. Mint — Best if you prefer traditional budgeting
  11. Truebill — Best if you want to manage your subscriptions
  12. YNAB — Best if you want a new way of budgeting
  13. EveryDollar — Best if you need to get out of debt
  14. Clarity Money — Best if you want to save in a high-yield savings account
  15. Cleo — Best if you want to make budgeting fun
  16. Goodbudget — Best if you prefer a basic budgeting tool
  17. Pocketguard — Best if you want a modern solution for budgeting
  18. Digit — Best if you prefer to not think about saving

Disclosure: Please note that some of the links below are affiliate links and at no additional cost to you, I’ll earn a commission. Know that I only recommend products and services I’ve personally used and stand behind.

1. Acorns

Acorns is one of the most popular money saving apps on the market. And for a good reason.

Not only does it help you automate your savings, but it also automatically invests your money.

How does it do this?

Acorns automatically rounds up every purchase you make to the nearest dollar and adds the difference to your Acorns account.

That money is then added to a portfolio of your choice and invested on your behalf. Why is that so great, you ask? Because on top of saving money, you are also making more money from your investments.

This is much better than your money just sitting in a low-interest bank account where it is actually losing value due to inflation.

With Acorns, depending on the portfolio you chose, you will see gains of up to 10% on your savings. Compare this to the 0.01% gains you would get if you’re money was sitting in a traditional savings account.

Acorns also has a checking account that comes with an Acorns Visa debit card. This means you can buy groceries and pay bills right from your Acorns account.

See our full Acorns review here.

Key Points

  • Easy automation — Automatically invests your spare change
  • Easy to start investing — Acorns removes the complexity of investing your money
  • Additional rewards — Cash back at some retailers
  • College students benefit — Free for college students

Best for

You should consider using Acorns if you want to increase your savings faster and don’t mind a little risk. Because your savings are being invested, they will be subject to risks from market volatility. This is especially true if you choose an aggressive Acorns portfolio that invests your money heavily in stocks.


Acorns has two plans: a $1 per month plan and a $3 per month plan


Apple iOS, Android, and Desktop

Automatically invest your spare change

  • Invest in the stock market with no skills
  • Save automatically with Acorns Later
  • Join millions of users investing in their futures
Sign Up For Acorns

2. Stash

Ready to become an investor? It’s incredibly easy with Stash. And it will only take you 2 minutes and $5 to begin.

What’s unique about Stash compared to other similar apps is that Stash allows you to control your investments.

You see, a micro-investing app like Acorns will choose your investments for you based on the risk profile you select. Although Stash does narrow your investment options, ultimately, it’s up to you to decide where your money goes.

Stash also includes many of the same features that you can find in Acorns such as round up automated savings and an online checking account.

See our full Stash review here.

Key Points

  • Low minimum investment — Open a Stash account even with $0
  • Be in control of your investments — You have control over what you are investing in, such as ETFs, stocks, and bonds
  • Good for experienced investors — Stash is great if you have experience with investing, but still want a little automation
  • Stock-Back® rewards program — Get rewarded with stock when you spend using your Stash debit card

Best for

You should consider using Stash if you have some familiarity with investing and enjoy managing your own portfolio. Stash is a more hands-on approach to micro-investing and may require some knowledge of investing basics. For example, knowing the difference between an ETF and a stock.


Stash has three plans: Stash Beginner for $1/month, Stash Growth for $3/month, and Stash+ for $9/month.


I have teamed up with Stash to give you a $5 sign up bonus after you make your first investment.


Apple iOS, Android, and Desktop

Get a $5 bonus when you sign up

  • Invest in the stock market automatically
  • Get a Stash Visa card with your account
  • Join over 5 million users investing in with Stash
Sign Up For Stash

3. Personal Capital

Personal Capital is a two-fold service.

First, they offer a free, award-winning personal finance app. This app is one of the most robust apps available for managing your finances, tracking your expenses, and viewing your net worth.

In addition to their free app, they also offer wealth management services that operate similar to a hedge fund.

When using their wealth management services, you get access to your own dedicated financial advisors, state-of-the-art digital tools, and even private equity investment options.

The only caveat to their wealth management services is that you need a $100,000 minimum investment to start.

If you don’t have the account size yet to open a wealth management account, you can (and should) still use their free app.

Key Points

  • Powerful money tools — Personal Capital has the industries most robust investment management tools, for free
  • Easy-to-use app and website — Clean user interface, easy to understand tools
  • Use Personal Capital anywhere — Well supported across many platforms (iOS, Android, iPadOS, watchOS, etc)

Best for

Personal Capital’s free app is best if you want to have a birdseye view of your finances. The fastest way to burn through your money is to lose track of where it’s going. Personal Capital’s free app will give you a dynamic view of your spending habits as well as net worth, investments, and retirement planning.

If you have a larger net worth of over $100,000, and want your wealth management professionally, consider using Personal Capital’s wealth management services.


Personal Capital’s financial tools are 100% free.

Their wealth management services are fee-based and broken down into tiers based on your account balance:

  • First $1 million: 0.89%
  • Up to $3 million: 0.79%
  • Up to $5 million: 0.69%
  • Up to $10 million: 0.59%
  • Over $10 million: 0.49%


Apple iOS, Android, and Desktop

Take control of your financial life

  • See all your money accounts in one place
  • Use Fee Analyzer™ to find hidden fees
  • Build, manage, and forecast your retirement
Sign Up For Personal Capital

4. Qapital

Qapital is a a banking app that works like an automated savings app. It connects with your bank account and moves small amounts of money into savings over time.

Qapital also gives you the option to invest your money using pre-built portfolios ideal for new investors. All you have to do is give them a timeline and a dollar amount, and the app does the rest of the work.

Like a robo-advisor, the app will diversify your funds, so you don’t risk having all your eggs in one basket.

The premise behind the app is nearly identical to Acorns. You can choose to round up your purchases and add the difference to your savings. That savings can then be invested (or not).

For example, say you purchase a coffee for $2.50. The app will automatically round up to $3, but add the $0.50 difference to your savings.

You also have the option to make the round up’s larger. For example, if your coffee was only $2.10, the app can round up to $3 and add the $0.90 difference to savings.

See our full Qapital review here.

Key Points

  • Save money effortlessly — Makes saving incredibly easy with several savings strategies
  • Comes with a Visa debit card — Pay bills, buy groceries, and more directly from your Qapital account
  • Competitive fees — Low fees for large investment accounts compared to other robo-advisors
  • High-yield savings account — Qapital saves your money in a high-yield savings account so you earn more interest

Best for

Qapital has a unique way of making saving and investing more fun. The app is playful, colorful, and simple to use. If you are new to investing or simply just want a way to automate your savings, you should use Qapital.


Three membership tiers: $3 per month Basic plan, $6 per month Complete plan, and $12 per month Master plan. All plans start with a 30-day free trial.


Apple iOS, Android, and Desktop

Make budgeting fun with Qapital

  • Pre-built portfolios ideal for budding investors
  • Easily save money with automated saving
  • Get a Qapital Visa debit card
Sign Up For Qapital

5. Honey

Honey is not a budgeting app, nor is it an investing app. Rather, Honey is a browser extension that quickly searches the internet for coupons and promo codes to add during your online checkout.

Traditionally, you would have to search dozens of coupon sites and sign up for email newsletters to receive coupon codes. With Honey, all of that is automated.

Honey will spend less than 10 seconds at checkout to find the best coupons and promo codes to apply to your order.

I use Honey almost daily with Google Chrome. Honey will also work with Firefox, Microsoft Edge, Opera, and Safari.

I want to point out an important feature that Honey offers. If you shop on Amazon, you probably already know that coupons aren’t necessarily a thing. But, Honey has partnered with Amazon to offer a really cool feature.

Honey will search Amazon’s entire site to make sure you are getting the best price for any product you are about to purchase. If there is a better price somewhere else on the internet, even if it’s outside of Amazon, Honey will point you to it.

This feature alone has saved me hundreds of dollars.

See our full Honey review here.

Key Points

  • Passive savings — Saves you money passively by finding coupons and promo codes
  • Incredibly easy to use — Just install and forget it, Honey works for you in the background
  • Cross-browser compatibility — Compatible with every major browser, Apple iOS, and Android
  • Great rewards program — Honey Gold rewards program will make you money while saving you money

Best for

You should use Honey if you want free money. Seriously, if you shop online and are not using Honey, you miss out on a lot of free savings.


The app is completely free. Install it today!


All major browsers, Apple iOS, and Android

Get 500 Honey Gold when you sign up

  • Join 17+ million members using Honey
  • Get the best coupon codes automatically applied to your cart
  • Earn gift cards when you shop
Sign Up For Honey

Take the mystery out of growing & managing your money

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6. Rakuten

Rakuten (formerly Ebates) is a browser extension that gives you cash back when shopping online at your favorite stores.

You can earn from 1% up to 40% cash back on just about everything purchased through the Rakuten extension or website.

Rakuten has partnered with thousands of stores, including huge names like Amazon, Best Buy, Nordstrom, Target, and Nike.

Similar to Honey, which I mentioned above, using Rakuten is basically getting free money. If you shop online a lot, you can easily save anywhere from a few hundred dollars to a few thousand dollars per year.

Using it is simple. When you download the browser extension, anytime you shop online, Rakuten will check for cash back rewards during check out. If there is a cash back opportunity, you’ll see a popup indicating that your purchase is eligible for cash back.

Rakuten can also be used for in-store purchases. Simply link your credit card to the mobile app or website and activate the in-store offer.

When making in-store purchases, it can take anywhere from a few hours to days to confirm your purchase and get your cash back.

See our full Rakuten review here.

Key Points

  • Easy to use — Install the browser extension and get cash back passively
  • Large pool of partners — Rakuten works with Amazon, Nike, Best Buy, and many other major brands which means more cash back savings for you
  • Lucrative referral program — Rakuten’s referral program can earn you between $5 and $25 for referring friends

Best for

If you are an avid online shopper, you can save a lot of money using Rakuten. It’s one of the best money saving apps available.


Rakuten is 100% free to use.


Google Chrome, Apple iOS, and Android

Earn a $10 welcome bonus when you sign up

  • Earn cash back when shopping
  • Cash back available at over 2,500 stores
  • Sign up in 30 seconds
Sign Up For Rakuten

7. Ibotta

You can think of Ibotta as a digital coupon clipper. Instead of ripping through hundreds of newspaper catalogs and magazines for coupons, just use Ibotta and have all the deals curated at your fingertips.

You can browse the app for digital coupons on popular items, including groceries, retailers, restaurants, and even booking hotel rooms.

Ibotta has partnered with some of the biggest brands, including Walmart, Target, Best Buy, and Walgreens.

Using the app to save money is easy. All you have to do is browse offers in the Ibotta app before you shop in-store and activate offers you think you’ll use.

Then, while you’re in-store, you can scan items with your phone to confirm they are the correct product before you make your purchase.

Simply submit your receipts from your purchase in the Ibotta app to redeem your savings.

Ibotta can also be used online to receive cash back on purchases, similar to Rakuten.

See our full Ibotta review here.

Key Points

  • Available at most major retailers — Cash back is available at most national retailers including Walmart and Target
  • Save money daily — Save money on everyday purchases including groceries and even hotel bookings
  • Easy to use — Intuitive and easy mobile app and website

Best for

If you like saving money on your everyday groceries and other common items, Ibotta can help you save a lot of money.


Ibotta is free to use.


I have teamed up with Ibotta to give you a $20 welcome bonus when you sign up. No strings attached.


Google Chrome, Apple iOS, and Android

Earn up to $20 in welcome bonuses when you sign up

  • Get real cash back in-store and online
  • Over $682,455,128 in cash back paid out
  • Cash back at over 2,500 retailers
Sign Up For Ibotta

8. Drop

Drop aims to save you money on things you normally buy every day.

You start by linking your debit or credit card to the app. It can then track your purchases from your favorite stores and give you points that can be used toward gift cards.

For example, you might get 2 points for every $1 spent at Walmart. Every 1,000 points are equivalent to a $1 gift card reward. That means you’d have to spend $500 to get a $1 gift card.

Depending on the store, you may earn more points per $1. For example, both Starbucks and Trader Joe’s earns you 12 points per $1 spent.

That might not seem like a lot of money, but remember, it’s completely free, and there is no work involved on your end.

Some apps such as Ibotta require you to upload your receipt before you can collect your rewards. Drop can skip that step by linking directly to your debit or credit card. This means the money you save from the app is completely passive.

If you are concerned about privacy, then you may prefer to use an app like Ibotta. But, if you prefer convenience, then Drop is the better app for you.

Key Points

  • Double dip savings — Can be used alongside other cash back apps and tools, which means double savings for you
  • Exclusive rewards — Get rewards for stores that don’t usually give discounts
  • Easy to use — Simply set it and forget it

Best for

If you want to save money passively without having to worry about uploading receipts, Drop is a good app for you.


Drop is a free app.

Bonus readers get a $5 bonus when signing up using the link provided.


Google Chrome, Apple iOS, and Android

Shop at the brands you love and get rewarded.

  • Get rewarded for shopping
  • Join 3 million people using Drop
  • Earn gift cards at places like Starbucks, Amazon, and Sephora
Sign Up For Drop

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9. Dosh

Dosh is another cash back app that allows you to earn money from your everyday purchases. 

However, unlike similar apps such as Drop, where you can only redeem gift cards, Dosh gives you more redeem options.

For example, once you’ve accumulated $25, you can transfer that money directly to your bank, PayPal, Venmo, or donate your cash back to charity.

You are required to connect your debit and credit cards to Dosh. So if privacy is a concern, you’d be better off using an app like Ibotta. However, removing the process of scanning receipts and finding coupons is part of what makes Dosh so successful.

Dosh’s goal is to automate your cash back. In a way, it’s an app that automatically saves money. By earning cash back, you are saving money.

Key Points

  • Flexible rewards — You can cash out your rewards straight to your bank account or PayPal, you aren’t limited to just gift cards
  • Transaction automation — Link your debit or credit card so Dosh can automatically track your purchases and apply rewards
  • Incredibly easy to use — Simply set it and forget it
  • Double dip rewards — If you have a credit card that gives you rewards, you can still use Dosh to double your rewards

Best for

You should use Dosh if you want to make money for doing things you already do anyway. When you use Dosh, you’ll earn cash back when you shop, go out to eat or travel.


Zero! Dosh is 100% free to use.


Apple iOS, and Android

Shop like our normally do and get paid

  • Earn cash back when you shop, dine or travel
  • Accumulate $25 then transfer to your bank, PayPal or Venmo
  • No coupons or receipt scanning
Sign Up For Dosh

10. Mint

Mint, at its core, is a budgeting and expense tracking website and app. Although it does come with other features, the budgeting features are where it shines.

It started in 2006 as and was purchased by Intuit in 2009. I’m saying that to say… it’s been around for a while.

To get the best use out of Mint, you have to connect all your financial accounts to it. This means credit cards, bank accounts, and even investment or retirement accounts.

Mint will then work its magic by automatically filtering your spending into organized categories. These categories are meant to help give you an overview of your spending habits and create budgets around those habits.

Overall, Mint is a solid service that is great for budgeting, creating goals, and populating all your financial accounts into one place.

Key Points

  • Budgeting and goal setting — Easily set budgeting goals, saving goals, and manage spending
  • Automated transaction tracking — Connect Mint to your bank accounts to automatically organize your spending
  • Get an overview of your finances — Mint does a great job of organizing your spending into easy charts and pie graphs

Best for

You should use Mint if all you want is a good budgeting tool without all the glitter. Mint’s web-based software and mobile app are straightforward, clean, and functional.


Mint is a free service.


Apple iOS, Android, and Desktop

Effortlessly manage your finances in one place

  • See all of your bills and money at a glance
  • Free credit scores (also see: Credit Karma)
  • Create budgets easily
Sign Up For Mint

11. Truebill

Truebill is a fantastic money-saving app. On the surface, it’s just a budgeting app. However, it offers a unique approach to saving money that is not found in any other budgeting app.

There are three main paths you can take when using Truebill, they are:

  • Lowering bills — Truebill will attempt to negotiate your bills down on your behalf. For example, if you feel like you’re paying too much on your cell phone bill, you can request that Truebill negotiate the lowest possible rate for you. It’s pretty amazing.
  • Monitoring subscriptions — Truebill places emphasis on monitoring and canceling unwanted subscriptions. According to their data, 84% of people have subscriptions that they’ve forgotten about. Truebill aims to find those hidden subscriptions and will even cancel them on your behalf.
  • Monitoring outage — Truebill will track the cable and internet providers in your area. If there’s an outage, they’ll request a refund or credit to your account. 

Similar to other budgeting apps, Truebill will also give you an overview of your financials. You can connect all your bank accounts, credit cards, and other accounts so that you can track them all from one place.

Overall, Truebill is an awesome budgeting app that will definitely help you save money. 

Key Points

  • Cancel unwanted subscriptions — Truebill will show you all your active subscriptions so you can identify ones that need to be canceled
  • Easy to use — Truebill’s app is easy to navigate and makes managing your money easier
  • Save on monthly bills — Truebill will negotiate your bills lower on your behalf

Best for

If you feel like you are paying too much on your bills or feel like your money is just vanishing, Truebill would be great for you.


Truebill is completely free. However, they do have some premium services that will cost you money. The cost of the premium services is $3 per month and $12 per month. You can also pay yearly for a slight discount.

Their bill negotiation and outage refund services will also cost you (well, technically not since they are saving you money in the process). For example, the fee if they successfully negotiate your bill lower is 40% of the first year’s savings.

For example, if you were paying $100 per month for a service, and Truebill negotiated your bill down to $90 per month, that’s $120 worth of savings in a year. Therefore, you would have to pay Truebill a one-time fee of $48, which is 40% of the $120 they saved you.

Does that make sense? It’s not a bad deal considering you are still saving money on your bill even after Truebill’s cut for doing the dirty work.


Apple iOS, Android, and Desktop

Take control of your money with Truebill

  • Monitor and cancel unwanted subscriptions
  • Reduce your bills and other expenses
  • Automatically set aside funds for your savings
Sign Up For Truebill

12. YNAB

YNAB is short for You Need A Budget. YNAB’s award-winning software has gained a massive fanbase over the years because of it’s unique approach to budgeting.

YNAB isn’t just a regular budgeting tool like Mint. YNAB is governed by a slightly different set of rules than other budgeting tools you may have used before.

This YNAB for beginners tutorial is a helpful watch if you are interested in using YNAB to help save you money.

Key Points

  • Very unique approach to budgeting — YNAB offers a very different take on budgeting which can be helpful if you have a hard time with budgets
  • Active developers — YNAB’s software is always being update and improved on
  • Large community — Because of YNAB’s popularity, there is no shortage of helpful YouTube videos and forum posts about the app

Best for

If you’ve tried other budgeting tools before and cannot save money, you should look into YNAB. Their software is set up very differently from other budgeting tools on the market.


$11.99 per month or $84 per year. You get a 34-day free trial to see if you like the software. YNAB claims that most of its customers save an average of $200 during their trial period. This makes the cost to use the software is worth it.


Apple iOS, Android, and Desktop

Don’t spend less, spend smarter with YNAB

  • Easily budget with a partner
  • Finance goal tracking made easy
  • 100+ free, live, online workshops we offer every week
Sign Up For YNAB

13. EveryDollar

EveryDollar is another popular budgeting app that can help you save money. EveryDollar is built on the zero-based budget concept.

According to EveryDollar founder Dave Ramsey, zero-based budgeting is a way of budgeting where your income minus your expenses equal zero.

What does that mean? It means that your expenses must match your income every month. Every single dollar has to be accounted for and given a job.

Like most budgeting apps, EveryDollar allows you to connect your bank so that all your transactions stream to your budget for easy automation.

Overall, EveryDollar is an intuitive and easy-to-use budgeting tool that will help you save money in the long run.

The software includes Dave Ramsey’s Baby Steps for those wanting to get out of debt. This is a popular feature in the app and one of the reasons for it’s success.

Key Points

  • Dave Ramsey approved — EveryDollar was created by Dave Ramsey, so you can trust the integrity of the product for the long run
  • Clean and easy to use — The apps design is simple and modern which makes budgeting a little less intimidating
  • Financial Peace University — The premium version of EveryDollar includes Dave Ramsey’s Financial Peace University

Best for

You should use EveryDollar if you want a good budgeting app that will help you pay off your debt and get back on top.


There are a free version and a premium version of the software called EveryDollar Plus that costs $129.99 per year.


Apple iOS, Android, and Desktop

Create your first budget in less than 10 minutes

  • Create a monthly budget so you can achieve your money goals
  • Syncs across devices so your budget is alwats up to date
  • Completely free to use
Sign Up For Everydollar

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14. Clarity Money

There are plenty of apps on the market that will allow you to budget and save money, but what if there was an app that could do more than that?

Clarity Money is an app backed by Goldman Sachs with many great features to help save you money.

On the surface, Clarity Money is just another budgeting app. You can track your spending, automate your savings, and budget your money.

However, Clarity Money’s ultra-sleek design, combined with a few unique features, helps to set it apart.

Similar to Truebill, Clarity Money has a subscription canceling feature. The app will show you all of your active subscriptions, how often they recur, and their cost. It then gives you the option to cancel the subscription directly in the app.

The best part about Clarity Money is that you can set up recurring deposits and save money with a Marcus High-Yield savings account by Goldman Sachs.

The high-yield savings account offers an interest rate of 1.05% APY, which is 10x higher than a traditional savings account, which typically gives you between 0.01 and 0.06 APY.

Key Points

  • Backed by Goldman Sachs — Clarity Money is backed by Goldman Sachs, so you can trust the integrity of the product for the long run
  • High-yield savings account — Clarity Money saves your money in a Marcus high-yield savings account so you earn more interest
  • Very intuitive and easy to use — The app is very clean and modern making it easy to manage your finances

Best for

Clarity Money is best for those seeking to automate and maximize their savings with a high-yield savings account. It’s a great overall budgeting app, but it excels in its unique subscription tracking and saving automation features.


Clarity Money is 100% free to use.


Apple iOS, Android, and Desktop

Your finances, together in one place

  • Backed by Marcus by Goldman Sachs
  • Identify unwanted subscriptions
  • 100% free to use
Sign Up For Clarity

15. Cleo

Cleo is a personal finance and budgeting app that’s goal is to make budgeting fun.

Like any other budgeting app, you can review things like your spending, set a budget, save money, and set goals. Nothing extraordinary.

However, the thing that makes Cleo stand out from other budgeting apps is it’s “intelligent assistant”. You see, Cleo is the name of the app, but it’s also the name of the assistant you can chat with in the app.

You can ask Cleo questions about your budget, spending, etc. She will either criticize you or compliment you based on your spending and saving habits. It’s really quite comical.

She will also send you funny memes and gifs and even play games to help build financial awareness.

Key Points

  • Unique approach to saving and budgeting — Cleo’s intelligent assistant, named Cleo, adds a fun twist to managing your finances
  • Great for beginners — The apps avoids complex charts and graphs found in traditional budgeting apps which makes it more beginner-friendly
  • Clean design — Cleo’s clean modern design helps new budgeter’s feel more comfortable

Best for

If you find spreadsheets and budgeting appalling, then Cleo might be a great app for you to use. The app’s goal is to make budgeting fun for anyone, and it does that successfully.


Cleo is completely free. For those who want premium features such as Salary Advance up to $100 and credit score updates, you can pay $5.99 per month.


Apple iOS, Android, and Desktop

Turn your money life around with Cleo

  • Have fun saving money
  • Personalized budget and spending breakdowns
  • Save money fast with goals, hacks, autosave features
Sign Up For Cleo

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16. Goodbudget

Goodbudget is a standard budgeting app that functions on the envelope system. Except instead of using physical envelopes, you are using digital envelopes.

Goodbudget is very simple and avoids being too flashy. If you enjoy Excel spreadsheets, Goodbudget will likely appeal to you more than apps like Cleo and Clarity Money.

One thing to mention is that the app does not sync with bank accounts. If you are concerned about your privacy, then you may like this. If you prefer convenience and automation, you will likely want to look at a different budgeting app.

Key Points

  • Simple functionality — Goodbudget avoids flashy visuals and instead opts to be basic which is great if you prefer a no-BS approach to budgeting
  • Envelope budgeting system — Goodbudget is built around the envelope budgeting system, so perfect if you like using envelopes to organize your money

Best for

If you want a straightforward, non-flashy budgeting app, then Goodbudget is perfect for you.


Goodbudget offers a free plan and a premium plan which costs $5 per month or $45 per year.


Apple iOS, Android, and Desktop

Envelope budgeting for the modern world

  • A modern spin on a traditional savings technique
  • Syncs between all devices
  • Easily budget with your partner
Sign Up For Goodbudget

17. PocketGuard

PocketGuard is a budgeting app, just like any other one on the market. What really sets PocketGuard apart from other budgeting apps is its “In My Pocket” feature.

In My Pocket gives you a quick overview of how much money you have left to spend for a given period. The number it shows you is calculated after bills, spending, and saving goal contributions.

This feature is a simple way to keep you on track with your budgeting goals.

If you know exactly how much you can spend in order to stay on budget, then theoretically, you won’t spend more.

PocketGuard also has a very sleek app that you may appreciate if you’re looking for a more modern budgeting tool.

Key Points

  • “In My Pocket” feature — This intuitive feature makes it really easy to see if you have enough spending money
  • Save on monthly bills — Use PocketGuard to find lower rates on your monthly bills
  • Automate your budget — Based on your goals, income, and bills, PocketGuard will develop a budget for you

Best for

You should consider using PocketGuard if you want to have a budget, but prefer a modern solution. PocketGuard’s intuitive app design makes budgeting easier.


PocketGuard is free. They do offer a premium version for $3.99 per month or $34.99 per year.


Apple iOS, Android, and Desktop

PocketGuard makes it easy to take control of your money

  • Optimize your spending and grow your savings automatically
  • See all accounts in one place
  • Track and lower your bills
Sign Up For PocketGuard

18. Digit

Digit is a unique budgeting app that takes automation a step further. “Save money, without thinking about it.” That’s their claim.

Digit analyzes your spending habits and will automatically make saving decisions for you.

Their sophisticated algorithms learn how you spend and work around your lifestyle to save you money in the background.

You can also set specific money saving goals within the app. For example, say you have a goal to build up your emergency fund and another goal to pay off a credit card.

In the app, you can set both of those goals, the amount of money you will need to save, and the timeframe. Digit will then go to work automatically, saving money here and there until it reaches your goal.

Key Points

  • Makes saving easy — Digit makes it a point to save money on your behalf, without you really noticing it
  • Pays you an annual bonus — Digit will pay you an annual savings bonus of 1%, much higher than the national average
  • Great design — The app is designed very well, special attention is paid to make it feel more friendly and modern

Best for

Digit’s goal is to make saving money something you don’t have to worry about. If you have a hard time saving money but still want to save, Digit is perfect for you. 


$5 per month after a 30-day free trial


Apple iOS, Android, and Desktop

Save money, without thinking about it

  • Sophisticated algorithms learn how you spend, so you don’t have to change your lifestyle
  • Over $2,500,000,000 securely saved
  • Your money is held at FDIC insured banks
Sign Up For Digit

Final Takeaways

I spent several hours researching each money saving app on this list, so you can trust the integrity of the content.

There were several additional apps that I considered adding to this list, but ultimately choose to not add because of the app being poor quality and outdated.

If you know of a great money saving and budgeting app that should be on this list, leave a comment below and I’ll be sure to research the app and potentially add it to this list.

If you want to learn more about saving money and investing, be sure to check out these other related posts: