Best Apps for Saving Money in 2025: Top Tools to Grow Your Savings

 Best Apps for Saving Money in 2025: Top Tools to Grow Your Savings

Saving money is easier when the right tools are on your side. In today’s digital world, there are dozens of apps designed to help you save automatically, track your spending, set goals, and grow your wealth. Whether you want to build an emergency fund, cut unnecessary spending, or automate savings, the right app can make all the difference.

Here’s a comprehensive guide to the best money-saving apps worth trying in 2025.

1. Digit – Automated Saving Without Thinking

Best for: Hands-off savers

Digit is a smart savings app that analyzes your income and spending to automatically set aside small amounts of money you won’t miss. It’s perfect for people who struggle to save consistently.

Why it’s great:

• Automatically saves based on your habits

• Adds savings to goals like “Emergency Fund” or “Vacation”

• Customizable risk levels so it never oversaves

Ideal if: You want automatic saving without constant manual transfers.

2. Qapital – Rules-Based Saving Made Simple

Best for: Goal-driven savers

Qapital lets you create custom saving rules — like rounding up purchases to the nearest dollar and saving the difference.

Why it’s great:

• Save based on everyday actions (round-ups, set rules)

• Goal boards with images keep you motivated

• Works well for saving for specific goals

Ideal if: You enjoy goal-oriented saving with visual tracking.

3. Acorns – Save and Invest Together

Best for: New investors who also want to save

Acorns is a micro-investing app that rounds up purchases and invests the spare change. It turns everyday spending into long-term growth.

Why it’s great:

• Automatic round-ups invest for you

• Built-in diversified portfolios

• Combines saving and investing in one app

Ideal if: You want to grow savings with investing without complexity.

4. Chime – Fee-Free Banking and Automatic Savings

Best for: Everyday saving with banking features

Chime is an online banking platform that automatically transfers a percentage of every paycheck into savings.

Why it’s great:

• Automatic savings with direct deposit

• No monthly fees

• Helps users save without thinking

Ideal if: You want a bank and savings tool in one place.

5. YNAB (You Need a Budget) – Budget First, Save Better

Best for: Budget-focused savers

YNAB isn’t just a savings app — it’s a full budgeting system. By helping you assign every dollar a job, YNAB makes saving intentional.

Why it’s great:

• Strong budgeting philosophy

• Helps eliminate overspending

• Real-time syncing across devices

Ideal if: You want a disciplined path to saving and financial control.

6. PocketGuard – Smart Budgeting + Overspending Alerts

Best for: Tracking spending and saving

PocketGuard connects to all your accounts and shows how much money you can safely spend after bills and goals.

Why it’s great:

• “In My Pocket” feature prevents overspending

• Tracks subscriptions and recurring charges

• Easy visualization of available funds

Ideal if: You want clarity on what you can afford and how much to save.

7. Simple (by BBVA) – Save While You Spend

Best for: People who want subtle saving tools

Simple is a digital banking app with built-in savings goals and tools that set aside money when you get paid or based on budgets.

Why it’s great:

• Integrated savings goals inside checking account

• Clean user experience

• Helpful automatic savings tools

Ideal if: You want savings features without a separate app.

8. RoundlyX – Crypto-Backed Saving and Rewards

Best for: Crypto enthusiasts

RoundlyX lets you round up everyday purchases and convert spare change into crypto. While riskier, this approach can help you grow value differently.

Why it’s great:

• Round-ups convert to crypto

• Rewards on spending

• Helps diversify savings

Ideal if: You’re comfortable with crypto and saving gains.

How to Choose the Right Savings App

Here’s how to decide which app fits you best:

✅ Are you new to saving? Choose Digit or Chime
✅ Do you want goal-based saving? Try Qapital
✅ Want to combine investing and saving? Go with Acorns
✅ Need budgeting support? YNAB or PocketGuard
✅ Prefer crypto options? RoundlyX could be appealing

Tips to Maximize Savings With Apps

• Set clear savings goals: Whether it’s a rainy-day fund or a big purchase, goals give purpose.

• Automate everything: Automation reduces the temptation to skip saving.

• Review monthly: Check progress and adjust rules or goals.

• Avoid unnecessary fees: Some apps charge monthly fees, so choose wisely.