Discover the best money saving apps available in 2025! This guide will compare features, fees, and benefits so you can find the perfect tools to automate savings and provide insights on spending habits and budgeting to help you reach your financial goals.
The best apps for money saving are designed to automate savings, track spending, and even reward good financial habits. If you’re looking to round up spare change, earn cash back on purchases, or get insights into your budget, there’s an app to fit your needs. With so many options available, choosing the right one can be overwhelming. This guide breaks down the best money saving apps of the year, comparing their features, fees, and benefits to help you find the perfect fit for your financial goals.
Here is a list of our best apps for money saving in 2025:
| YNAB (You Need A Budget) | |||||
| Acorns | |||||
| Qapital | |||||
| PocketGuard | |||||
| Rocket Money | |||||
| Rakuten | |||||
| Monarch |
YNAB is a powerful budgeting app. It stands for You Need A Budget. That’s exactly what it does by giving every dollar a job. Unlike traditional budgeting tools that track past spending, YNAB focuses on proactive money management, ensuring that every dollar is allocated toward expenses, savings, or financial goals.
It uses a zero-based budgeting approach, meaning users plan for every dollar of income before spending it. YNAB also provides educational resources, goal-setting features, and real-time syncing across devices, making it ideal for individuals who want a structured, hands-on approach to managing their money while also developing smart financial habits.
YNAB promotes financial discipline, proactive money management, and long-term financial stability. Here are a few features that really make this app stand out:
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Acorns specializes in micro-investing, which allows users to automatically round up purchases to the nearest dollar and then invest the spare change into a diversified portfolio. It also has additional savings features such as recurring deposits, retirement accounts, and checking with cash back rewards. This is perfect for those who want to be hands-off investors, growing balances gradually without needing financial insights on market trends.
Acorns approaches saving money from a perspective that’s attainable for most people. By using Whole Dollar Round-Ups®, you’re not investing large sums of money at once. Each investment is less than $1, allowing you to grow gradually without compromising your budget. The concept is that tiny acorns grow mighty oaks.
It will allow you to link as many debit or credit cards as you would like in the round up program; however, the round-up portion would come from your Acorns checking account. The more cards you link, the more opportunities you create for investing.
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Qapital is a goal-based savings and budgeting app designed to help users build better financial habits through automation and behavioral psychology. It allows users to set savings goals and use customizable “rules” to save money effortlessly. Whether rounding up purchases, saving when hitting fitness milestones, or automatically setting aside money on payday, Qapital makes saving money easy and engaging.
This app appeals to goal-driven users, allowing them to turn money saving into a game by reaching certain benchmarks. Many struggle with finance and saving but love a challenge. The sense of accomplishment that comes with achieving a goal is compounded by attaching a financial achievement to it. Qapital has figured out how to gamify finance which makes it fun and rewarding at the same time.
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PocketGuard is a budgeting app designed to help users track spending, manage bills, and save money effortlessly. Its standout feature, “In My Pocket,” calculates how much disposable income you have after covering bills, necessities, and savings goals — making budgeting easy and intuitive. It’s an all-in-one platform that brings everything you need together so you can manage your finances efficiently.
PocketGuard has a user-friendly interface, allowing users to get a quick overview of their monthly finances or dive deeper into them. With PocketGuard, disposable income is easily identified by using technology that categorizes income and expenses. It assists in paying down debt, identifying any extra funds that can be redirected toward a debt paydown plan. It also tracks spending and lets you set savings goals to maximize financial benefits.
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Rocket Money is a personal finance app designed to help you track spending, manage subscriptions, and save money effortlessly. It focuses on bill negotiation, subscription management, and budgeting to help users lower expenses and stay on top of their finances.
It also has a bill negotiation service that helps you lower internet, phone, and cable bills. It offers spending insights, allowing you to categorize and track expenses and make transfers into savings accounts. In addition, it tracks your credit score, making your finances and progress more transparent.
This app is designed to help users keep up with expenses that sometimes fall through the cracks. One feature is the ability to manage and cancel subscriptions you may not realize you still have. It also has budgeting tools to help you keep track of funds coming in and out of your account while encouraging saving, even in small amounts.
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Rakuten is a popular cash back and rewards app that allows users to earn money back on everyday purchases from thousands of retailers. By shopping through the Rakuten app or browser extension, users can receive a percentage of their purchases as cash back, which is paid out via PayPal or check. Rakuten partners with major brands like Walmart, Lenovo, CVS, Sam’s Club, and Lowes, making it an easy way to save money online and with in-store shopping.
This is definitely one of my favorite apps. I’ve personally been using it for years. As a banker, it’s easy for me to recommend Rakuten since it aligns with smart financial money management and saving strategies. It allows you to save money on everyday purchases, ultimately making your income go a little farther each time you use it. It helps you to build better financial habits, teaching you to look for savings opportunities and coupon codes for every purchase.
Visit Rakuten
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Monarch is a premium all-in-one personal finance app that helps users budget, track spending, manage investments, and set long-term financial goals. Unlike traditional budgeting apps, Monarch offers a holistic view of financial health, making it a powerful tool for individuals and families looking to take control of their finances.
Monarch is a comprehensive financial management platform that helps you take a holistic approach to your finances. Unlike basic budgeting apps, Monarch is designed for those who want to actively manage wealth, long-term savings, and financial goals in one place. It syncs bank accounts, credit cards, investments, loans, and assets into a single dashboard, giving you a complete financial picture and allowing you to set up goal-based financial plans for the future.
Visit Monarch Money
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Many of the best money saving apps are designed for personal finance with built-in saving features. However, business owners also want access to powerful tools that help track spending and optimize cash flow. Whether it’s automating expense reporting, streamlining budgeting, or identifying cost-cutting opportunities, these business-focused apps provide essential financial management features. While the money saving features are not as prevalent, these apps do save time for business owners.
Some of the best business apps offer solutions for tracking operational costs, handling invoicing, and uploading receipts from employees. Here are some standout apps designed specifically for businesses looking to streamline operations and improve financial management:
| Many financial business apps link to a business checking account. If you’re searching for an affordable or free business checking account, you may want to consider the options at Live Oak Bank, Mercury, US Bank, and Relay, which offer specialized accounts for business owners. |
When choosing the best money savings apps, YNAB checked all the boxes. It offers proven methods for budgeting by using a zero-based system where every dollar has a job to do and is assigned to a specific category.
The comprehensive budgeting tools also make it a top pick, encouraging proactive budgeting so users can gain control of their finances. They can also attend educational workshops, listen to tutorials, or read educational material so the financial choices they make are well planned out.
Overall, the apps in this guide allow for some form of financial automation and offer goal-oriented saving methods. Many have tracking and budgeting tools, customizable financial controls, and also assist with subscription management. The main commonality among all the choices here is the improvement the app can make on financial health by encouraging saving while cutting costs.
When reviewing apps to compile the list of the best apps for money saving, I looked for features that allow users to keep up with expenses so it’s easier to identify disposable income. The app would also need to integrate with an existing bank account or offer a new bank account to users with an option to sync transactions. I also checked for budgeting and insight tools along with automated savings features that make financial management easier.
Money saving apps help you take control of your income and expenses by providing an overview of your financial picture along with tools to help you improve it.
Yes, Acorns and Qapital offer a round-up feature, so spare change under $1 can be deposited into a savings account automatically with every purchase. Monarch allows you to build rules so you can manually set up transfers based on spending patterns.
Yes, Acorns offers a one-time reward of $10 when you start saving or investing.
Acorns allows you to earn rewards when you shop with over 300 participating brands. Ratuken is another app with rewards. You can earn cash back by shopping at over 3,500 partners across the Ratuken marketplace.
All the apps mentioned in this guide, YNAB, Acorns, Qapital, PocketGuard, Rocket Money, Rakuten, and Monarch, are available in the Play Store for Android users.
Rayanne Harmon is a seasoned finance professional with 30 years of experience in banking, finance, and accounting. She specializes in consumer and business banking services, with deep expertise in credit products such as HELOCs, HELOANs, auto loans, and consumer loans. Her background also includes financial risk assessment, credit repair, and treasury management, where she has driven process improvements and client-centric banking solutions.
