7 Best Money-Saving Apps in 2025

Saving money isn’t always easy, but the right tools can simplify the process and help you reach your financial goals. Whether you’re building an emergency fund or investing for the future, the following money-saving apps are worth considering.

When choosing the apps to include on this list, we considered various factors, including fees and savings features. To learn more, jump to our methodology.

Here are some of the best money-saving apps in 2025.

1. Empower

Why we picked it: Empower is a free app that allows you to link all of your accounts in one place, including credit cards, checking accounts, savings accounts and investment accounts. With the Empower Personal Dashboard, you can get a bird’s-eye view of your finances, with several tools to help you dive into the details. Along with tracking your net worth, you can run retirement scenarios and add different savings goals, such as buying a second home or paying for your child’s college education, to see how they affect your plan.

Best for: robust financial and retirement planning tools

What does it cost? free to use; a fee applies to wealth management services

2. Chime

Why we picked it: Chime’s high-yield savings account comes with built-in automated savings tools to help grow your savings. One such tool offers spare change roundups, where Chime automatically rounds up your debit card purchases to the nearest dollar and transfers the amount to your savings account. Additionally, you can choose to automatically save a percentage of your directly deposited paychecks. Your deposits are guaranteed for up to $250,000 through Chime’s banking partners that are members of the Federal Deposit Insurance Corp (FDIC).

Best for: spare change savings

What does it cost? Free

3. Quicken Simplifi

Why we picked it: Quicken Simplifi allows you to create targets for your savings goals and provides visual tools to track your progress. It won’t force you to use one budgeting style — choose the approach that works best for you, whether that’s 50/30/20 budgeting, envelope budgeting or another system. You can share your account with one other person, such as your partner or financial adviser, for easy collaboration. You’ll also receive free credit-score monitoring.

Best for: trying out different budgeting strategies

What does it cost? promotional pricing starting at $2.99 monthly

4. Qapital

Why we picked it: Want to automate your finances, including saving, investing, budgeting and managing debt? With Qapital, you can easily “set and forget” several financial goals and enroll in automatic deposits to build savings. Qapital is a good option for couples who want to team up on financial goals — you can even choose what to share and what to keep private.

Best for: couples with shared financial goals

What does it cost? After the 30-day free trial, plans start at $3 a month.

5. Acorns

Why we picked it: Acorns makes saving and investing easy, especially if you can’t start with a large sum upfront. This app helps you build your savings by automatically rounding up your transactions. If you buy a coffee for $3.50 every day, for example, Acorns will routinely invest your remaining 50 cents. That may seem like a small amount, but it can add up over time. Choose from a variety of subscription plans based on where you are in your financial journey.

Best for: beginner investors

What does it cost? starts at $3 monthly

6. Oportun

Why we picked it: Oportun, formerly known as Digit, helps you customize your savings goals and make progress a little at a time. The app automatically pulls money from your bank account through the Set & Save feature, which helps you grow your savings with little to no effort on your end. Oportun analyzes your income and spending patterns to choose the best times to save money on your behalf. Because Oportun partners with FDIC-insured banks, your deposits are protected up to $250,000.  

Best for: automatic savings

What does it cost? 30-day free trial and then $5 a month

7. You Need a Budget (YNAB)

Why we picked it: You Need a Budget (YNAB) is one of the most detail-oriented budgeting tools available today. With a YNAB budget, every dollar is given a purpose, whether for saving, everyday spending or putting toward long-term goals, such as retirement. Once you sync your bank accounts, you can categorize your expenses, set savings targets and track your progress. You can share your YNAB subscription with up to six people.

Best for: individuals and families who want to create a detailed budget

What does it cost? 34-day free trial and then either $14.99 monthly or $109 annually

Should you use a money-saving app?

Whether to use a money-saving app depends on your needs and goals. Some reasons to consider using saving apps include:

• You struggle to save money. If you tend to procrastinate on your savings goals, a money-saving app can help automate the process and establish a consistent saving schedule.
• You don’t know where your money goes. Money-saving apps typically come with built-in tools to help you track your spending habits and provide a clear picture of where your money goes each month. This can help you identify where you can cut back and save more.
• You’re ready to start investing. If you already have an emergency fund, you might be ready to start investing for retirement or other long-term financial goals. Money-saving apps can simplify the investing process, but it’s important to understand the fees involved, as they can eat into your balance over time.

Methodology

To come up with our list of the best money-saving apps, here are the factors we considered. Apps must have:

• Minimal or no fees
• Cost transparency (fees are easily found on the website)
• Security features, such as encryption and multifactor authentication
• Ability to add another person to the account, such as a spouse
• FDIC-insured banks as partners
• Options such as automatic savings and visual tools to track progress with goals

Frequently asked questions

Are money-saving apps safe?

Money-saving apps typically offer bank-level security features, including multifactor authentication for extra protection. Additionally, many apps partner with banks to provide FDIC insurance, which means up to $250,000 per depositor is protected.

What are the drawbacks of money-saving apps?

Money-saving apps can make saving easier, but drawbacks to consider include subscription and other account fees. Assess whether the potential benefits justify the cost. For example, if the app costs $5 a month but helps you save an extra $100 monthly, the price could be worth it.

How do I choose a money-saving app?

Start by thinking about goals and intended outcomes from using a money-saving app. If you’re looking to save – not invest, an app that focuses on savings tools and features might make sense. Signing up for free trials to test a few different apps can help you find the best option for your needs.