Top Money Saving Apps that are Actually Pretty Cool

0 0 11 4 comments

This post may contain affiliate links

With well over 1,000 apps being created every day it can feel overwhelming to find ones that will actually help you save money.  I

I'm always hesitant to try anything new technology-wise (even though it's sort of my job), but these are the ones I have in my rotation. Best of all, they do all the heavy lifting for you (hence the word automatic) and it's made such a big difference in my ability to save consistently and spend wisely.

I've divided these into the automatic savings apps I mentioned and then threw in a bunch of apps that can help you save more. They're not automatic…but they're big-time money savers for me and my fam, so I added them in at the end. Enjoy!

In addition to these apps, take the first step by opening up a high-yield savings account so you have a place to stash your savings that earns as much as it possibly can. I like to recommend CIT Bank (this is where I keep my savings, too!)  thanks to its higher-than-average interest rate (25x the national average) and no-fee structure. All it takes is $100 to open. Click here to learn more.



Automatic Saving Apps






How it saves money: Digit works by directly tying into your bank and running an algorithm that decides how much money you really are able to save.

Why I like it:

  • Digit is so confident that their algorithm will work correctly that they will pay any overdraft fees caused by their withdrawing money. 
  • Great mobile app.
  • Free for the first 30 days!

Price: $2.99  per month (Why it's near the bottom of the list)

On the plus side, I know many freelancers and entrepreneurs especially like this service (and don't mind paying for it) because it helps them remember to set aside cash for quarterly tax payments.  If you're new to saving on a quarterly basis, it could be a good way to strengthen your savings muscle. Click here to try out Digit free for 30 days.






How it saves money:  After linking your primary spending account to the app and it will then round up transactions to the nearest dollar.

Why I like it:

  • For example, 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.


Price: $1 per month of all accounts under $5,000.


Acorns has bank-level security and is a great way to learn about investing and put away spare change into investments if you want to learn about making your money grow. Click here to get started with Acorns.





How it saves money:  Similar to the way Qapital or Acorns syncs with your checking account, Qoins rounds up your purchases except it doesn't put it into a savings account you can withdraw – it puts the money toward your debts.

Why I like it:

Price: They take $1.99/month but take it out of your savings. For example, if they save you $70 that month, they'll send out $68.01 as the extra payment on your credit card.


Every little bit counts when you're paying off debt, which is why Qoins is so powerful. If you like the “save the spare change” concept of many of the apps on this list, try seeing what a difference it can make toward your credit card debt. Click here to download Qoins app. It's free to try!







How it Saves Money:  If you need to gamify your goals in order to accomplish them this may be the best money savings app. Qapital heavily relies on “If this then that” – (IFFT) technology, so you can save when you set certain behaviors.

Why I like it:

  • If you want to save money for a vacation, simply go into the Qapital app, set the amount, and then set the rules in which it will save money.
  • You can 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 can also make it that if you go under budget on your grocery shopping that you save the difference into the account. It can also save “roundups” on your purchases from your checking account. All of this is done automatically through the app and it is MAGIC.
  • Hands down my favorite “automatic savings” app. I love Qapital, and I tell everyone.

Price: Tiered membership $3-$12 per month.


Intrigued? Consider giving Qapital a try, (especially if you struggle with saving each month). It's one of my favorite money apps. It's free for the first month and then $3 thereafter. I saved $75 my first month with Qapital and the best part is that I didn't feel it. Click here to sign up for Qapital.






How it Saves Money: It saves money by “sneaking” little pockets of money away from your checking account (Similar to Qapital et. al), but what's nice about this one is it can house your budget, saving contributions, and other financial accounts in one place.

Why I like it:

  • This is a new-to-me app and I can't stop talking about it, playing with it, everything.
  • I've never had a financial app that was this comprehensive.
  • Over time it analyzes your spending and let's you know about important trends and if you're staying on track with your budget (which it also sets up for you based on current spending – automatically.)


Price: FREE! Although if you opt to do the text service, “Albert Genius”, you select an amount to pay that you feel is fair.





Money-Saving Apps


Last year, I had the opportunity to sit on a panel about Women and Money with FemCity here in Atlanta. We talked a lot about money hangups, but one woman asked a great question about the money-saving apps she could use to make her life easier. I rambled off a list of the ones I liked and the ladies furiously started taking notes. It was then that I realized then that unless you're a blogger (and your job is writing about finance) or a big-money nerd… you probably don't research these kinds of automatic savings apps even though they can definitely make your life (and your money) better.





This isn't a phone app, but rather an app that corresponds with you via Facebook messenger. Even though I'm not on Facebook a ton, this was WORTH IT. 

  • How it saves money: Artificial technology looks at the spending in your bank account to identify your spending patterns – and where there is room for improvement.  
  • Why I like it:  At first, I thought the penguin was a little juvenile, but then when I used the app I found I did like interacting with it. 
  • Price:  FREE!






I'll admit it. At first, I was skeptical about Cushion. After all, I'm pretty good about watching for fees and not paying interest when I have to. Still, after syncing Cushion with my Facebook messenger (they call it the “Fee Fighter”) they found and successfully negotiated $24.00 back for me in credit card/banking fees. And mind you, I did this for just one of my bank accounts to test it for writing this article. They take 1/4 of whatever they save for you, but still, ~$18 in savings for less than ten minutes of work isn't a bad deal. 


  • How it saves money: AI finds and fights bank fees with your financial institution on your behalf. 
  • Why I like it:  Bank fees are THE WORST. Glad there is finally a tech out there tackling this issue. 
  • Price:  When Fee Fighter is successful, Cushion takes (at most) a 25% cut of the found money. That way users never pay for the service out of pocket. 


I highly recommend Cushion, especially if you have multiple accounts and feel you pay a lot of fees over the course of a year. Click here to download the app.






How it Saves Money: Saves money in three ways: cashback on products at retailers when you shop in-store (save your receipts and scan them in!), linking your loyalty card, and in-app purchases. 

  • I don't like to coupon. Really, I kinda hate it. And I firmly believe you can't coupon your way to wealth. My thoughts on “couponing” changed when I met the Ibotta app.
  • It helps me better optimize rewards programs I do use (CVS) that I previously had a hard time keeping up with. 
  • $20 welcome bonus when you make your first 10 redemptions (took me one shopping trip at Publix.)
  • Venmo or Paypal payment cashouts as soon as you get $20. 

Price: FREE




Google Opinion Rewards




How it Saves Money: The Google Rewards app automatically keeps track of places you have been and (when available) presents a pop-up saying you have a survey available to fill out.

Why I like it:

  • 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.
  • Yes, Google is tracking your location, but hey, you already knew that didn't you? Now we have the ability to profit from it.

Price: FREE






How it Saves Money: 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 Paribus monitors online stores with price drop policies and applies for a refund so you can get money back for the difference.


Why I like it:

  • It's always on and always checking your account for purchase and shipping notifications.
  • Paribus is only for online purchases and it is a great way to recoup money if you do shop online quite a bit.


Price: FREE


Ready to leverage technology to track price drops and when retailers actually owe you money? Get technology to do this for you automatically. Click here to sync Paribus for free with your email account.



Ebates (Rakuten)



How it saves money: Cashback rebates on your purchases with participating retailers.  

Why I like it:

  • On top of using the Ebates app for cash back, installing the chrome extension means you don’t even have to think about making sure to use the Ebates link first as you shop, it will just automatically prompt you when you visit the retailer.
  • Honestly, I wasn't earning much through Ebates until I downloaded the Chrome extension, so make sure to do that. You can download the extension for free here. 
  • It will prompt you – automatically – to activate cash back whenever you're at a participating retailing. Read more about why we like Ebates here. 

Price: FREE


Ebates is one of my favorite money-saving apps. Seriously, If you only try out one on this list, let it be Ebates! Click here to download the Ebates Chrome extension, plus you'll get $10 when you sign up using my Ebates link.







How it saves money:  Not really an “app” on your phone, but it is a service that will negotiate with your bill companies to lower your bills.

Why I like it:

  • It's pricey since they'll take half of what they save for you, but it saves you the time of negotiating your bills yourself.
  • For example, if they save $100, you get $50 and then they get $50. Still, an extra $50 per month = $600 each year. This can be great especially when paying off debt or trying to figure out ways to find money in your budget. 

Price: They'll take 50% of whatever you save.


You can call and negotiate bills on your own, but you can also use companies like BillCutterz to do the work for you. They'll negotiate lower payments on your behalf and only take a percentage of what they manage to save for you. Then take the extra and immediately put it toward my debt payoff goal each month. Click here to try it out!





If you're a regular reader of the site, you know I recommend Trim a lot. Out of all the budgeting apps I've tried, this one keeps me in shape and on track. It also has the added bonus of being able to look at your spending and bills and identify the areas for the best opportunity for savings. 

  • How it saves money: Budget and expense tracking + negotiates bills on your behalf.
  • Why I like it:  I never really had an app where I could monitor/negotiate my bills and track other expenses in one place.
  • Price:  FREE


Want to save time on expense tracking? Download the FREE Trim app. Trim automatically analyzes your expenses to see where you can save, but it also tracks your budget to see where your money goes as well. Click here to download.



Zola Wedding Registry


While I recognize not everyone is going to need to use Zola, it felt wrong to write a post about money-saving apps and leave off one of the services that had saved me the most money in the last year. 



Engaged or planning a wedding? Soon-to-be? Click here to explore Zola.


The TL: DR


Okay, there are A LOT of apps on this list. And personally, from experience, I know how annoying it can be to try them all. If I had to recommend one of each, I'd say try Qapital for automatic saving and see how much extra you can save each month. Then, for money-saving, I suggest installing the Rakuten Chrome Extension which operates anytime you're buying something online. I buy 95% of stuff for myself and our household online, and I get about $2-300 dollars back with Ebates/Rakuten each year.

Pretty good, right?


For Qapital, click here to get $10 when you sign up. It's $3.99 per month after the free 30-day trial. To download the Ebates chrome extension, click here.






Financial Best Life Workbook
Set BIG goals with this FREE workbook!
Join my newsletter by entering your email address below, and access the FREE financial goals workbook and reach those big life goals you dream about.
Top Money Saving Apps that are Actually Pretty Cool
  1. Reply

    Thanks for the article! I just rejoined, I shop on Amazon way too often so hopefully, this will help me save something!

    • Charmi Gupta
    • October 8, 2017

    The Very interesting list you have shared with us.
    Keep sharing.

    • DNN
    • September 15, 2017

    Swagbucks is a pretty good one. They’re one of many online companies that provide a unique way for everyday people who apply themselves to making money earn good money from online side hustles.

  2. Reply

    Really interesting, who is looking for new way to save more is always good know these apps, now I must to understand which one are good also in Italy:D

Leave a Reply

Your email address will not be published. Required fields are marked *

Join my newsletter by entering your email address below, and access the FREE financial goals workbook and reach those big life goals you dream about.

Financial Best Life Workbook

Set BIG goals with this FREE workbook!