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Complied from “Best of” lists published by the world’s most trusted sources, and with our own recommended brands peppered in - this Top10 list aims to help consumers make smarter decisions.

How to Choose the Best Money-Saving App

Find out what to look for when choosing money-saving apps for retirement savings, emergency funds, and improved financial security.

The latest advancements in technology have made it possible to use apps to save money and help secure your financial future. There are now a wide variety of money saving apps out there, and we’re here to help you navigate your way through them to see what each one does and what app may be right for you. We’ve compiled a useful list of the best money-saving apps on the market. Our advice on what features to look out for will help you to choose an app that best suits your saving requirements. Whether you want to save for retirement or to create an emergency fund, there is an app to help you achieve improved financial security.

1. Best App to Help you Save Money: Digit

If you are using a money-saving app, you’ll want to ensure that it offers you user-friendly saving options. Whether you need to save for a holiday or to create an emergency fund, putting money aside regularly is important if you want to achieve good financial health. 

Digit uses your personal information, such as your income and expenditure, to create a customized savings plan for you. This smart app makes it easy for you to save toward your goals without impacting your everyday spending. With a no overdraft guarantee, you don’t have to stress about going over your limit with Digit. With Digit, it’s easy for you to withdraw your savings when you need them. It’s convenient to get access to your cash the following business day by sending Digit an SMS.

2. Best App for Easy Access to Savings: Acorns

With savings that are easy to access, you can rest easy knowing that you have money put aside for emergencies. A significant aspect of money-saving apps is the availability of your funds and the ease with which your cash can be withdrawn or transferred. An advantage of this app is that there is no minimum amount that you can draw out and you get access to unlimited transfers. 

Acorns allows you to withdraw your money whenever you choose and without any hassles. You can also access your funds immediately once you’ve achieved a goal. Acorns makes investing money easy by automatically rounding up your purchases and saving your change once you’ve connected the app to your US bank account. You can also schedule recurring investments or make one-off investments using this app. The money that you save with Acorns is automatically spread across various stocks to boost your returns while minimizing your risks.

3. Best App to Help You Manage Your Money: Mint

Efficient and accurate money management is key to your financial freedom. From developing budgets to decreasing expenses, you can use money-saving apps to streamline your finances.

Mint enables you to make personalized budgets that are informed by your spending trends. You can use Mint to monitor and settle bills. With alerts and a scheduling feature, it’s simple to pay your outstanding accounts on time. 

4. Best App To Keep You Motivated: Qapital

Qapital provides a simple and fun platform to put money aside for the things that you want to buy. This app keeps you motivated to save with a variety of strategies, which include banking your change, scheduling regular savings payments, and reducing weekly expenses. 

5. Best App for Creating Budgets: YNAB

Another option is YNAB which makes it easy to create budgets, monitor your progress and repay debts. With Simple, it’s effortless to bank online. This app features tools that allow you to create budgets, settle bills and reduce the risk of overspending.

6. Best App for Monitoring Your Money-Saving Goals: Simple

With Simple, you can define your goals and set up a hassle-free savings schedule. This interactive bank tool not only  helps you make smarter spending decisions, but also helps you save money for the things that really matter to you. 

7. Best App for Monitoring Your Credit Score: Credit Karma

When you’re considering your financial health, it’s important to factor in your credit ratings. It’s important to know what your credit ratings are as well as how to improve them. You can use Credit Karma to monitor your credit scores from anywhere. You’ll get weekly updates, alerts for account changes and useful insights. With this app, it’s simple to monitor and improve your credit scores. Product recommendations help you manage your finances more effectively.

8. Best App for Managing Your Finances: Spendee

Spendee enables you to monitor where your money is being spent so that you can manage your finances effectively. Summaries and graphs give you a clear picture of how you are spending your money. Once you have a better understanding of your expenses, you can create personalized budgets.

9. Best App for Effortless Investments: Stash

You can maximize your savings by using an app that allows you to invest your money. It’s important to look for an app that offers you a variety of investment options that are tailored to meet your requirements. 

You can use Stash to get investment advice as well as to select the investment plan that matches your values and goals. This app allows you to schedule regular investments to maximize your financial potential automatically.

10. Best App for Optimizing Your Finances Quickly: Clarity Money

With Clarity Money, optimizing your finances is quick and easy. This app allows you to identify and eliminate wasteful accounts, decrease your expenses and find better financial product deals.

Make Sure You Choose An App With Top Security Features

Whether you’re saving money or making investments, it is vital to keep your financial data secure. As money-saving apps handle sensitive information, it’s important to have safety measures in place. Before you decide what app to use, take a look at what protection they offer. Digit offers you bank-level security. Mint keeps you safe with a 256-bit data encryption level. Qapital protects your money with a Fingerprint ID feature, remote card lock as well as FDIC insurance of up to $250,000. Credit Karma safeguards your data with 128-bit encryption. Additional protection is offered by secure servers, external security assessments, and read-only access. As a member of SIPC Stash safeguards your account for amounts up to $250,000. Other safety measures include 256-bit encryption, Secure Sockets Layer (SSL) and access control.

Access the Best of Money-Saving Apps

Now that we’ve reviewed the most important features to look for in money-saving apps,you can make an informed decision. Whether you need to save for retirement, create emergency funds or gain improved financial security, there is a money-saving app which meets your requirements.

How we created this
list
Complied from “Best of” lists published by the world’s most trusted sources, and with our own recommended brands peppered in - this Top10 list aims to help consumers make smarter decisions.