The best 6 money-saving apps to have in your smartphone

Oluwatoni Olujinmi

In today’s world, as many people struggle to save their hard-earned cash, the practice of saving money in apps is more popular than ever. Gone are the days you’ll go to a local bank branch or discuss with a financial advisor to save.

Now, you can save money within a short time while sitting in the comfort zone of your house, with your smartphone or tablet. Your computer is not even needed, your bank is right in your pocket!

These financial mobile applications automate saving tasks and are designed to ease your financial decisions and improve your saving habits without stress.

How do money-saving apps work?

Money-saving apps are mobile tools for helping users keep financial savings. They are so easy as you just need to download the app on your smartphone, register, and start saving.

Each savings app has its unique method to help you save money and plan for emergencies. You will be able to account for set-aside money to put into other useful things which will create more value for you.

Money-saving apps are designed to work on Android, Ios, and tablets, with different languages you can choose from. It focuses more on what you want as a user and provides the best features and services. There’s also high-level security to safely guide your personal information, transactions, savings, and investments.

Let’s consider 6 money-saving apps you can begin with.

The 6 best money-saving apps

  1. Mint

If you are new to saving, Mint is a great app to start with. This mobile app monitors and coordinates all your different credit cards account investments and loans, all in one place.

You can create the budgets you want and set notifications to track your overall spending and regular bills, to avoid late fees. You’ll be notified whenever there is an increase in the price of your usual subscriptions.

Moreover, Mint is free and makes its money from partners. You will also get better loan rates as you develop good saving habits.

  1. Chime

Chime is a free money-savings app with amazing auto saving features that helps you deposit your funds safely, get notifications on transactions faster, and keep you on top of your investments and spending. You can automate your savings account on every deposit you make on your Chime account. It is FDIC insured with no charges on ATM use fees, overdrafts, foreign transactions, and monthly minimums.

You can also enable a rounding-up in your savings whenever you use your Chime debit card to make a purchase. All of your deposits will be held by The Bancorp Bank, Chime’s partner, and you will also earn some interest on your savings.

  1. Qapital

Qapital saves your money with the rules you set for yourself and helps you visualize your financial goals. You’ll get a 30-day free trial after signing up, then you can start with the basic $3 per month.

You can either link an existing checking account or get a Qapital debit card for your long-term saving goals. Also, Qapital provides lessons on setting goals and the value of small investments into bigger goals.

  1. Digit

Digit typically automates your savings based on your current balance and costs in an FDIC-insured Digit account. Every 3 months, you will earn a 1 percent annual saving bonus on your average daily balance in your Digit account.

Digit offers a free 30-day trial and charges its users $5 a month. There is also a bonus of $5 for every new user you refer to digit.

  1. You Need A Budget

To get an interface that you can easily use and also learn more about the value of money, You Need A Budget money-saving app will help you achieve that. You can easily track your expenses without linking any accounts whatsoever.

With its four rules, you’ll get proper knowledge that gives you insights into saving tips for the future; retirements or emergencies, and how you can live within your means. It has a 34 days free trial and charges $14.99/month and $98.99/year. 

  1. Plum

Plum money-saving app helps you grow your savings and take control of your money. You can invest your savings as it automatically puts money aside from your account balance.

It acts on your behalf to save money and also adds interest to your savings account. All you need to do is to link to your bank, build your portfolio and invest manually or through automation, set your rules, and you are good to go.

Saving money with the help of apps is easy and effective

The use of mobile saving apps has helped a lot of people develop good and steady saving habits.

You can also kickstart your saving journey today with these money-saving apps you can easily choose from.

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