Qapital: The Money Saving App

• Free

Last verified 5 Sep 2026

• Free to download

Last verified 28 Aug 2026

4.8 85840 ratings · App Store

1. 5/5Qapital

   A friend referred this app to me and I’ve been really stoked about it and sharing it to others as well since. I appreciate the different options available on how to save so you don’t have to stick to a specific saving style if you don’t want to. I like it because for me, I have my card charged and it rounds what’s charged to the nearest (whatever you want it to round to) so it’s almost like a subtle change in your bank but once accumulated shows how much actually gets put aside for your purchases. You have options when it comes to forms of saving! I’m a scattered person so this helps put money in places that I can sort and see what to do with. Definitely recommend this to anyone who wants to try saving without having to think too into it, building a casual savings. But I HIGHLY recommend this app to people who have a hard time with saving money. Folks who fall under that should look into this seriously. The app helps collect funds and assists in organizing what you wanna put aside for or just to simply have something of a savings. It also stops taking funds if your balance is too low. What makes it a good savings way to me too is, even if you wanted to take some money out, you'll either have to wait a few days or so for it to transfer to your bank OR have to catch their immediate transfer hours before a certain time. (Last time I remembered it was only available early a.m times) Helps with impulse prevention since the money cant be touched/used immediately. Been using this app for a few years now 😄

   chynnaxsenpai · 5 Sep 2026

2. 5/5Amazing savings

   By far easier to use and better for savings than other apps. The rules thing is cool where you set how to save, I did round up every $2, the 52 week rule, set and forget $10 a month, and spend less at a couple fast food restaurants and I’m projected $3000 in 6 months. I’ve done it before so it’s all very accurate. I like that you can add a partner to it now like a spouse etc so you both can save into something. And I’ve also done the investment portion where you can take that savings acct or a different one and tell the app how aggressive to be for investments it’s all super legit and I tell everyone about it I can. There’s a delay of money transfer on purpose because the app tries to make sure your bank has the money. And if you ever see your next “transfer” saying something like $200 don’t freak out lol that’s just the money it’s accumulated but the transfer portions are smaller based on what was calculated per transfer period which seems to be every few days or so. I only know this because it scared me once because I wasn’t expecting to budget that heavy one week but then it only took like $30 and the rest was the next week. It also adds up quick if you don’t have the money in your bank so the transfer money can get high. You can let it ride like I do or what I’ve also done is cancel a transfer or some of the transfer and continue later

   Jcraff3 · 5 Sep 2026

3. 5/5Make saving a game

   Saving money always felt like taking something away from my present self to give to my future self, so I rarely did it. But with Qapital, I find myself jealously guarding my savings, and trying to find more reasons to save. It's a wonderful concept, and it works great. Plus, if you get their debit card, they pay interest on all savings; better interest than many other banks offer. And now they offer automatic and commission-free (which is not to say without charge) investing. I've looked over their fund picks; they're good ones. They've got an interesting approach to diversifying your investments that I like. By far the biggest flaw is the lack of a free tier. Having a savings account—even a spiffy one like this—shouldn't cost $6/mo. Remember, they make money off your savings. Paying for investing—and even checking—is okay, but the basic features should be free. I find it hard to recommend this app to friends without a free option. The only other real flaw is that you can't exclude some transactions from the Rules. There are tons of possible options for saving, but I only use the Payday rule, saving 10% of every paycheck (split between various savings and investment accounts), and Set and Forget to build up savings for my next car. I do wish they had a more aggressive portfolio, something like an S&P 500 Index, getting ~10% returns.

   Calion · 5 Sep 2026

4. 4/5Nice way to start emergency fund

   I love using this app. Very easy to use. I just wish the deposits were more frequent. I use the set and forget rule added with round up rule. Picked to have $2 dollars a day, because who would notice just few dollars a day? Except, it builds up and then by the time it does come out it’s a big enough amount that I notice (at times over $60) I recommend getting the debit card. Otherwise, you’ll need to wait a few days for the money to be put back in your account, which is a pain if this is your emergency fund. Update: I have still been loving this app. I don’t really use it for savings. I take what I’ve earned each week from round up rule and transfer it to my debit card. Then that’s what I use for the week for lunch at work. The only thing I’ve seen change since I started using Qapital, was they now charge monthly fee. Not sure of the prices, I started using this so long ago that I was grandfathered in on the account type I was using. They still only deposit money in your account on certain days. But I did discover that if it’s starting to get higher then you really could afford, that you can go in and cancel pending deposits individually until you get down to the amount you’re wanting. And if your primary account gets down to a certain amount,(believe $150) then they will pause withdrawing from that account. Only reason for not giving 5 stars is because of their deposit schedule. Otherwise I love this app

   Sciv · 5 Sep 2026

5. 5/5Best fin-tech service I’ve found

   This sounds cheesy and melodramatic, but this app has honestly completely changed the way I use money. Money just seems to appear out of nowhere. I’m pretty intense on my automatic rules, but the payoff is great. I personally use the payday rule (which lets you automatically save a percentage of your paycheck) to put 3% into a rainy day fund, 3% into a college fund for my future children, 10% into a retirement fund (which I move to a 401K when it accumulates to a few hundred dollars), 10% to donate, and 36% to help pay for college. The rest I set aside for bills, and anything that’s left I move into a “big purchase” account where I let it build up so I can buy something nice, like a new computer or new earphones (I do keep a few bucks in my checking account for random outings with friends). the automation of it is the magic key, and it’s allowed me to buy things that I would definitely NOT have been able to save up for otherwise. I highly, highly recommend this app or one like it to automatically move your money around. I prefer Qapital for both aesthetic and functionality reasons, but some alternatives are Acorns and Digit. (I spent months over a period of years searching for a good fin-tech solution before finding Qapital.) I will say, though, that I’ve been using Qapital for years, and they continue to grow and update. On their Instagram they even share tips from top economists on what to do with your investments during the COVID-19 pandemic. To me, Qapital seems a little more personable and human (in a good way) than other similar services. But that’s just my two cents ¯\_(ツ)_/¯.

   trevorschoeny · 5 Sep 2026

4.2 21672 ratings · Google Play

1. 1/5

   for some reason it will not allow my primary checking account with Citizens bank to be a connected funding/savings account any longer. i have deleted and readded the bank information several times. it registers the account and tells me it's not a valid funding account. its my checking account and it connected fine to qapital for years. no point in staying on the app if I cant connect my main bank.

   Kait Montanari · 1 Aug 2026

2. 5/5

   It's been game-changing. Qapital has been really good to me. No issues. Eventually migrated to Fidelity in order for my money to grow, but I recommend Qapital to anyone who needs help building the habit of saving!

   Daniel Fiege · 1 Aug 2026

3. 1/5

   I regret to inform you that I have had an unsatisfactory experience with Wendi, a customer service representative. The quality of service has significantly declined, and it appears that customer service representatives are not held accountable for mishandling clients' personal information. This is concerning, especially considering the small size of the team, as it suggests a lack of professionalism and accountability. My claim was definitely NOT handled with care. It was ignored. Screenshots.

   Sharné · 1 Aug 2026

4. 2/5

   $6 a month is way too expensive for this. what is it with every app being a minimum of $5/month. I can do all this for free through my bank the only benefit I have here is the round up and the fact that it's out of sight. What happened to the days of 99¢ apps

   Dan Taylor · 1 Aug 2026

5. 5/5

   Great for goals and general set it and forget it savings

   Cornell “SuperCizzle” Risper III · 1 Aug 2026

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