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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 A significant aspect of money-saving apps is the availability of your funds and the ease with which your cash can be withdrawn or transferred.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