Best Apps That Automatically Save You Money

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Saving money shouldn’t feel like a chore—and thanks to technology, it no longer has to be. Whether you struggle with budgeting or just want to boost your savings without thinking about it, automated saving apps can take the pressure off and put real money back in your pocket.

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In this blog, you’ll discover six of the best apps that automatically save you money in the background—no spreadsheets, no mental math. Each one has unique features to suit different financial goals, lifestyles, and income levels.

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These apps help with rounding up spare change, setting up rules-based savings, earning cashback, and even investing your money automatically. Let’s explore the best ones that can actually help you grow your savings while you sleep.

💰 1. Acorns – Invest Your Spare Change

Best for: Beginners who want to save and invest effortlessly.

How it works: Acorns links to your debit or credit card and rounds up your purchases to the nearest dollar, investing the difference into a diversified portfolio.

• ✅ Automatically rounds up change
• 📈 Invests small amounts regularly
• 📊 Easy-to-understand investment options

How it saves you money: You build wealth without noticing the deductions. Over time, your small daily purchases turn into a growing investment.

👉 Available on iOS and Android

🛍 2. Rakuten – Automatic Cashback When You Shop

Best for: Online shoppers looking for passive savings.

How it works: Rakuten gives you cashback every time you shop through its app or browser extension at over 3,500 partnered stores like Walmart, Target, and Amazon.

• 💸 Up to 10% cashback
• 💳 No points—just real cash
• 💰 Quarterly payouts via check or PayPal

How it saves you money: You’re getting real money back on purchases you already planned to make.

👉 Available on iOS, Android, and Web

🔄 3. Qapital – Rule-Based Savings Goals

Best for: People who want control over how they save.

How it works: Qapital uses customizable rules (like “save $2 every time I buy coffee” or “round up my purchases”) to move money into savings goals automatically.

• 📅 Create custom rules and triggers
• 🎯 Set goals like emergency funds or vacation
• 🔄 Connects to your bank and works in the background

How it saves you money: It removes the emotional decision-making from saving and builds consistency without effort.

👉 Available on iOS and Android

🧠 4. Digit (Now Oportun) – AI-Powered Smart Savings

Best for: Those who want hands-off, intelligent savings.

How it works: Digit analyzes your spending patterns and automatically transfers small, safe amounts into savings daily—so you won’t even feel the pinch.

• 🧠 AI-based saving calculations
• 🔔 Set multiple savings goals
• 💵 Automatic overdraft protection

How it saves you money: It adjusts based on your cash flow so you never over-save or run short, making it perfect for variable income users.

👉 Available on iOS and Android

🏦 5. Chime – Banking That Saves for You

Best for: Users looking for full-service digital banking with built-in savings features.

How it works: Chime automatically saves a percentage of every paycheck and rounds up your purchases, moving the difference into a high-yield savings account.

• 💳 Round-up savings
• 🏦 Automatic paycheck transfers
• 🔒 No hidden fees

How it saves you money: Unlike traditional banks, Chime builds your savings silently in the background and avoids unnecessary fees.

👉 Available on iOS and Android

🎯 6. Trim – Find and Cancel Unwanted Subscriptions

Best for: People who want to cut expenses without lifting a finger.

How it works: Trim reviews your bank transactions to find subscriptions, negotiates bills (like internet or phone), and even cancels unused services for you.

• 📉 Lowers bills automatically
• 💸 Cancels subscriptions
• 📊 Provides spending breakdowns

How it saves you money: The average user saves $300+ per year by cutting unused subscriptions and negotiating lower bills.

👉 Available on Web & SMS

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🔍 Summary Table

App	Best For	Key Feature	Average Monthly Savings
Acorns	Passive investing	Round-up savings	$20–$50
Rakuten	Online shopping	Cashback rewards	$10–$100
Qapital	Rule-based goal setting	Custom saving rules	$50–$200
Digit	AI-powered saving	Smart daily transfers	$30–$150
Chime	All-in-one digital banking	Automated paycheck savings	$100+
Trim	Expense reduction	Subscription and bill cuts	$25–$200

✨ Final Thoughts

Automating your savings is the smartest way to build wealth without stress or sacrifice. The six apps listed above each offer a unique way to boost your savings while living your normal life.

Start with just one app today, and in a few months, you’ll be surprised at how much you’ve saved—without even trying.

✅ Frequently Asked Questions

Q: Can I use more than one money-saving app?
Yes! Many users combine apps like Rakuten for cashback and Acorns for investing to maximize their savings.

Q: Are these apps safe to use?
Absolutely. All listed apps use bank-level encryption and security protocols to protect your data.

Q: How much can I realistically save with these apps?
Depending on your spending habits, it’s possible to save $100–$500 per month just by letting these apps run in the background.

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Also read,

10 Things I Stopped Buying to Save $500/Month