With well over 1,000 apps being created every day it can feel overwhelming to find ones that will actually help you save money. After looking over several apps that say they'll save you money here are our my top 11 favorite money saving apps. Some I use every day and others just every once in awhile, but I have to say, loving how much easier FinTech is making things like budgeting and saving!
Our Top 11 Money Saving Apps
Swagbucks is one of the best money saving apps. If you search via the app and buy items there you'll get “Swagbucks” which you can then cash in for gift cards. Good gift cards too, to places like Amazon, Walmart, Target. Here's our full post on how to get started with Swagbucks that details step-by-step how to use the platform.
One of the ways to save money is to use more than one of the same kind of app to supercharge your rebates and earnings. Ebates and Swagbucks, though similar, can, at times, be used in unison to save even more money. On top of using the Ebates app for cash back, installing the chrome extension means you don’t even have to think about it as you shop, it will just automatically calculate it for you. Read more about why we like Ebates here.
Honey App not only saves money but also some time. It's a Chrome extension, so once installed it automatically looks for a coupon for the site you are shopping on, runs the coupon through to make sure it’s actually currently working, and then provides you with the best money saving option (if multiple coupons are available.) LOVE this one for making my J.Crew and J.Crew Factory purchases.
Filling out surveys about your age, income, clothes you wear, the car you drive, and other “facts” can make you money. Inbox dollars is another survey site that could provide a little extra income. It doesn’t give much…..usually less than a dollar per survey, but again they don’t require much thinking and you can do it in your spare time. It's an easy, brainless way to earn a little extra on the side.
Paribus is a relatively new service, but it works by syncing with your email account and looking at recent purchases. If the price on a purchase has dropped, then you then get a refund for the difference with Paribus taking a 25% fee.
It connects directly to your Amazon and email account and will let you know when there is a refund available. The good news? It runs in the background and doesn’t require any thought on your part.
It's another “cash back on purchases you already make” app. If you go to a grocery store for example, load a rebate via the Ibotta app on your phone, go to the grocery store, come home and upload your receipt – you can get cash back on that item. It's basically for people who want to coupon, but don't like the clipping as it's all done virtually in an app. Admittedly, I hate couponing, but the app is pretty cool.
The app will give you money via Paypal or Venmo or credit for a gift card if you buy certain items. A friend of mine changes the type of beer he buys based on which beer will give him the most credits with Ibotta.
Google Rewards keeps track of places you have been and (when available) presents a pop-up saying you have a survey available to fill out. The surveys typically run from 1- 6 questions and will net you anywhere from 0.10 to 1.00 which you can use for purchases within the Google family of apps, like Youtube, etc. May sound a little sketchy that Google is tracking your location, but hey, you already knew that didn't you? Why not profit from it, I say.
Digit works by directly tying into your bank and running an algorithm that decides how much money you are able to save. Digit is so confident that their algorithm will work correctly that they will pay any overdraft fees caused by their withdrawing money. I mention it here because I've used it, and like it, but stopped using it when they began charging users a fee. I wrote about this change here.
Many of my friends (especially freelancers) still leverage the app to save money for quarterly taxes, so the option is up to you.
This app will earn you money – even when you don't buy anything. Download the app in order to start earning “kicks” – which is just a new way of saying, “reward points.” You can earn kicks by: walking into a store, syncing purchases, scanning the UPC on items, and filling out surveys. Works in both retail and grocery stores, so it's easy to start earning gift cards!
The fastest way to get kicks is to buy a few items and have the cashier scan the Shopkicks code. Once you have enough kicks you then cash them in for gift cards, but not cash. Also works best for those who do a large bulk of shopping at Walmart, Publix, CVS, and Walgreens.
Hands down my favorite “automatic savings” app. I love Qapital, and I tell everyone.
If you need to gamify your goals in order to accomplish them this may be the best money savings app. If you want to save money for a vacation then you go into the Qapital app, set the amount, and then set the rules in which it will save money. You could make it so you if you meet a step goal through the pedometer on your phone that you save $1, $2, or even $10. You could also make it that if you go under budget on your grocery shopping that you save the difference into the account.
Want to invest but don’t have the money to do so? Acorns could be a great option. After linking your account to the app and it will then round up transactions to the nearest dollar. So if you buy a coffee for $2.09 Acorns will take an additional $0.91 and put it in an investment account for you. This may not sound like much but if you bought that same cup of coffee 5 days a week for 1 year then you will have invested $236.60 with just that one daily item, and have made money on that amount.
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