25 of the Best Money Saving Apps

Woman using a cell phone and putting change into a piggy bank

Have you set savings goals that you're working hard to reach? One of the best ways to boost your savings is using money saving apps. These 25 apps can help you find significant savings in your everyday spending and even earn some extra cash on the side to help you reach your financial goals.

This massive list includes some of the best money saving apps across multiple categories to help you effortlessly save money in all areas of your life!

Save Money While Shopping

These are some of the best apps to save you money when shopping by helping you find better deals, coupon codes, and sometimes even score free items.

1. Upside

Upside is a money saving app that helps you save money on gas.

Upside will display prices at local gas stations based on your smartphone's geolocation, helping you identify the lowest prices in your area or on your commute in real time.

The Upside app also displays cashback offers for local gas stations and restaurants.

Save Money With the Upside App

2. Rakuten

Using the Rakuten app is a great way to save money on your online purchases. This free app partners with thousands of retailers to offer cashback when shopping online and in stores. In addition, Rakuten has a free browser extension that will alert you when you land on a website with an active cashback offer, so you never miss an opportunity to save money on your purchases.

Still, the best feature of Rakuten is how much money you can earn by referring your friends and family to the app. Rakuten will pay you and your friend $30 each when they sign up using your referral link and spend $30!

Save Money With the Rakuten App

3. Fetch Rewards

The Fetch Rewards app is one of the easiest money saving apps to use. Sign up for a free account and scan any receipt using the app. Fetch Rewards will reward you with a minimum of 25 points for scanning any receipt and automatically award you bonus points when it identifies an item you purchased with an active bonus offer.

Save Money With the Fetch Rewards App

4. Pogo

The Pogo app lets you earn cash on every purchase you make. Pogo can also help you save by finding you lower rates on bills and getting bank fees refunded.

Plus, Pogo will even pay you for sharing your data, should you choose. But the best part is Pogo takes care of everything for you; there is no need to scan your receipts or search for coupons!

Save Money With the Pogo App

5. Fluz

Fluz will pay you a minimum of 1.5% and up to 25% cashback when you shop at your favorite online stores. Download the free Fluz app and refer your friends – you'll get cashback when they shop too. Grow your Fluz network to grow your earnings.

Fluz allows you to stack offers with coupons, browser extensions, price-tracking tools, receipt scanners, and credit card rewards programs to maximize your savings!

Save Money With the Fluz App

6. Ibotta

Ibotta is a cashback savings app that rewards shoppers in a few different ways. First, Ibotta partners with specific stores to offer cashback rewards on a constant rotation.

Second, many of those stores also have Ibotta rewards tied to using those stores' loyalty programs. For example, retailers like Walmart and Chipotle offer up to 10% cashback if you purchase using the Ibotta app or your Ibotta code.

You can also refer friends, earn specific bonuses, and even go on “bonus streaks” to gamify your shopping! First, select relevant offers and make your purchase. Then, use your app to take a picture of your receipt. Once your purchase is verified, the bonus amount will be credited to your Ibotta account.

The app is free and easy to install. Payments are made to you via PayPal or Venmo.

Save Money With the Ibotta App

7. Coupons.com

Searching for coupons isn't a bad thing – coupons are still a solid way to save a ton of money. Unfortunatley, pouring through the Sunday paper, cutting out coupons, organizing them, and – most importantly – remembering to bring them with you when you head to the store can be time-consuming.

The Coupons.com app offers a better way to coupon. Save hundreds of dollars with grocery cashback offers at your favorite stores without dealing with the hassle of old-school coupons.

Save Money With the Coupons.com App

8. Groupon

Groupon is a well-known deal-finding app that provides group deals on products and activities in your area. For example, a typical Groupon might be “buy one, get one free” on sporting event tickets or specialized classes (e.g., art classes or scuba lessons).

If you want to try something new and save money, check out the Groupon app.

Save Money With the Groupon App

9. Shopkick

Shopkick uses your phone's geolocation to “check in” to specific businesses for rewards. You can also use Shopkick to scan barcodes for specific product-based rewards. These rewards are called “kicks.”

When you open Shopkick, a map will present you with an assortment of local retailers that provide “kicks” simply by walking into the store. You'll also be able to view specific brands in those stores that provide additional “kicks” for scanning their products.

Your “kicks” can be redeemed for everyday reward items like restaurant gift cards, movie tickets, iTunes points, etc.

Lots of big-name retailers already participate with Shopkick. You'll recognize names like Target, Kroger, Best Buy, and many popular grocery chains.

Save Money With the Shopkick App

10. RetailMeNot

RetailMeNot is a terrific money-saving app that offers product deals, discounts, storewide sales, rebates, and coupons. In addition, you can use the app to filter based on store, product, location, etc. Once you apply the filter and perform your search, RetailMeNot will provide many money-saving options that meet your criteria.

Over 50,000 stores work with RetailMeNot, so it's guaranteed to save money, plus the app is free and easy to use.

Save Money With the RetailMeNot App

Apps To Save on Bills

Reducing the amount you spend on your fixed expenses can go a long way to free up extra money in your budget for saving or investing. These apps will help you save money on your monthly bills.

11. Hiatus

The Hiatus app is an automated financial assistant that puts you in control of your money. Hiatus offers multiple features to help you better manage your money, including:

  • Tracking monthly bills and subscriptions
  • Monitoring existing bills and upcoming renewals
  • Alerts you before companies charge you for rate increases
  • Track your bank balances to prevent overdraft fees
  • Track your net worth
  • Manage your auto-payments before you get charged
  • Cancel unused auto-billing
  • Offer bill reduction suggestions

In addition, Hiatus lets you easily track your spending and manage your budget!

Save Money With the Hiatus App

12. Rocket Money

Rocket Money, formerly called Truebill, makes two promises to its users. First, it helps you find unused subscriptions that you can cancel. And second, it helps you lower your bill amounts. The app connects to your bank account or credit card to scan and sync your data, identifies bills and subscriptions, and double-checks with you, “Are you sure you need to be paying for this?”

The Rocket Money app is free…kind of. They will negotiate on your behalf, saving you from those annoying customer service calls. Rocket Money keeps 40% of whatever money they save you. So if they lower your cell phone bill by $20 per month, you save $12, and Rocket Money keeps $8 monthly. You both win.

They also offer a premium account for $5 per month. With this feature, Rocket Money kicks their monitoring up a notch, looking for things like overdrafts and late fees and even canceling services on your behalf when you permit them. Don't want to stay on hold for three hours to cancel that nasty cable service? Rocket Money will do it for you!

Save Money With the Rocket Money App

Saving and Budgeting Apps

These apps help you plan and organize your money. Some resemble a typical spreadsheet budget, while others use behavioral finance principles to encourage good budgeting behaviors.

This category of money-saving apps helps you manage and measure your personal finances.

13. YNAB

YNAB – or You Need A Budget – is a terrific budgeting app with a cult-like following. The app is not free; it costs $7 per month (with a discount for paying annually.) But loyal YNAB users swear this app saves them hundreds of dollars per month.

The key behind YNAB is that it's more than a numbers app – it's a behavior app. YNAB strongly encourages its users to follow its four basic rules to change their thoughts about money.

For example, users will proudly proclaim they're “YNAB poor” or “YNAB broke.” This is their way of saying, “I've already given all my money important jobs to do in the future, so I can't spend that money right now.”

If you're interested in changing your money mindset, YNAB might be the best money-saving app for you, plus they offer a 34-day free trial so you can determine if it's a good fit for you.

Save Money With the YNAB App

14. Mint

Mint may be the most well-known budgeting app on this list. It automatically syncs with your bank account to track and categorize every purchase you make. In addition, most banks and credit card companies allow Mint to scrape their data, making budgeting easier. 

Setting up the app as intended allows you to create a completely hands-off budgeting experience.

Like most apps on this list, the biggest obstacle to success with Mint is often you, the user! If you miss transactions with Mint (or any other budget app), the story you see will be incomplete.

Save Money With the Mint App

15. Empower Personal Dashboard

Formerly called Personal Capital, this app helps you track every area of your finances in one place, including:

  • Budget
  • Cash
  • Checking account
  • IRA
  • 401k
  • Mortgage
  • Investments

This free app consolidates all your money apps into one place so you can see all your important financial information in one app.

Empower Personal Dashboard also tracks your net worth and can help you budget your expenses and plan for retirement.

Save Money With the Empower Personal Dashboard App

16. Qapital

Qapital is another mobile app that focuses on achieving your savings goals, offering you 15+ ways to save. The app uses “micro-savings” activities to slowly build up your savings and assign those small increments to your established goals in the app.

Like other money goal apps, the Qapital app lets you set up automatic savings and holds your money in an FDIC-insured bank account.

There are a few different techniques within Qapital to increase your savings. For example, you can “round up” purchases to the nearest dollar, sending the excess money to Qapital. Or you can set up an “If This, Then That” channel to trigger – every time you do X, add money to your Qapital account.

Save Money With the Qapital App

Investing Apps

Investing typically doesn't put money in your pocket today as its purpose generally is to save money for retirement or other future goals. Still, it is possible to save money while investing, and these apps will help you do so.

17. Stash

Stash is an investing app that provides its users with excellent educational content and diverse investments, albeit with higher fees than many other investing apps.

Unlike other apps that expose users to the “wild west” of investing, Stash emphasizes helping new investors via simple education. It's terrific for people looking to get started with investing. Once someone feels comfortable managing their portfolio, they can switch to a lower-fee platform.

Save Money With the Stash App

18. Acorns

Acorns use the power of micro-investing to turn your little seeds into big money in the future. First, the app asks permission to round your purchases to the nearest dollar. Then it invests that spare change into long-term investments on your behalf.

Acorns is a terrific combination of behavioral finance (saving small amounts of money you don't even notice) and a long-term mindset.

Save Money With the Acorns App

19. Robinhood

The Robinhood app offers one of the easiest ways to save money while investing with offers like:

  • An IRA with a 1% match
  • Trade stocks, ETFs, and options commission-free
  • Commission-free crypto trading

Robinhood offers 24/7 live phone and chat support to assist users with questions. Another feature that sets Robinhood apart from other investing apps is its financial news and education, where users can learn about the market and get easy-to-consume investing lessons.

Save Money With the Robinhood App

20. Oportun

Oportun, formerly called Digit, is another micro-savings app that withdraws money from your bank account and deposits it into an investment account without, they claim, you ever really noticing. Digit looks at your spending and saving habits and finds optimal times to withdraw small bits of money – typically around $10 – into your investing account.

The idea is that your investing withdrawal will blend in with the $5 coffee, the $25 gas fill-up, or the $12 sandwich. So why not add investing to your list of small, everyday purchases?

The downside is that Oportun charges a monthly fee of $2.99, while many other money-saving apps are free.

Save Money With the Oportun App

Banking Apps

21. Tally

While not your typical banking app, Tally can save you a ton of money by helping you pay off your credit cards. Tally analyzes your credit card accounts and combines them into a lower-interest Tally credit line, if you qualify. So instead of managing multiple monthly credit card payments, you only make one monthly payment to Tally.

You'll save in interest payments as Tally will pay off your high-interest debt, and you'll pay less on your Tally credit line.

Save Money With the Tally App

22. Chime

Chime is an all-in-one banking app that offers a checking account, a savings account, and a credit card. The app ties your accounts together via one easy-to-use app. Chime's checking account charges zero fees, and its savings account offers an APY of 2.0%*. Chime's credit card is backed by Visa, so you can use it anywhere.

The best part of Chime is that it was designed with mobility in mind. As a result, their app interface is terrific and can be used by any smartphone user.

If you're looking for a great all-in-one money-saving banking app, Chime may be a good fit.

*Current rates as of the date of publishing; rates are subject to change. 

Save Money With the Chime App

23. Varo

Varo is an online-only banking app that provides high-interest savings accounts. In addition, Varo has partnered with Allpoint ATMs to provide in-person cash withdrawals for users looking for a physical way to access their cash.

Varo differentiates itself from other online banks with its highly-rated user interface and ease of use.

Save Money With the Varo App

Apps That Save You Money on Travel

Travel can be expensive, these apps will help you save money when booking your next adventure.

24. Travel Freely

Travel hacking is one of the easiest ways to save money on travel or even earn free travel. Of course, you're already spending money, and if you're not earning reward points each time you swipe your credit card, you're missing out.

The Travel Freely app teaches you how to maximize credit card points without spending more money and how to redeem your points for cheap – or even free – travel.

Save Money With the Travel Freely App

25. CheapTickets

This app helps you save money on hotels, flights, and vacation packages. Offering free cancellations on most hotel reservations, CheapTickets allows you to save money and book with confidence.

You can manage your trip directly in the CheapTickets app and get real-time travel updates and alerts. CheapTickets also offers mobile-exclusive deals and secret bargains you won't find anywhere else.

Save Money With the CheapTickets App

The Money Saving Apps Secret

The secret to using money saving apps is to be sure you only use them when making purchases you were already planning to make. While these apps are a valuable resource, they can often convince you to purchase things you don't need simply because you found a good deal or high cashback offer.

Remember, spending when you were planning to defeats the purpose of working to save money.

This post was produced and syndicated by Wealth of Geeks.

Author: Michael Dinich

Title: Journalist

Expertise: Side Hustles, Passive Income, Investing

Bio:

Michael Dinich is a journalist, personal finance expert, and a true geek at heart. Michael founded Wealth of Geeks in 2017, and he's the executive producer of the Wealth of Geeks podcast. He's known for his relatable financial advice and passionate discussions about all things geek.