MANAGE MONEY
Best Apps to Automate Your Savings
Let’s be real — saving money sounds great until you actually try to do it. Life gets busy, bills pile up, and before you know it, your “I’ll save next month” plan turns into “maybe next year.” That’s where automation changes the game. The Best Apps to Automate Your Savings make it effortless to stash away cash without constant effort. Whether you’re saving for an emergency fund, a dream trip, or just want some breathing room between paychecks, the right app can make all the difference.
Technology now makes it easier than ever to save money in the background. These apps work quietly but effectively — rounding up purchases, analyzing spending habits, and moving small amounts to your savings automatically. And the best part? You don’t even notice it happening.
Let’s dive into some of the Best Apps to Automate Your Savings and see which one fits your financial goals best.
1. Acorns: Save While You Spend
Acorns is one of the OGs when it comes to automated saving and investing. It links to your debit or credit card and rounds up your purchases to the nearest dollar. The spare change then goes straight into your investment account.
Think about it — you buy coffee for $3.50, and Acorns rounds it to $4. That extra $0.50 gets invested automatically. Over time, those tiny bits grow into something real.
Acorns also offers features like recurring transfers and retirement account options. It’s perfect for anyone who wants to save effortlessly without needing to think about it every day.
2. Digit: The Smart Saver’s Secret Weapon
Digit takes the guesswork out of saving by analyzing your spending habits. Once it understands your income and expenses, it transfers small, safe amounts to your Digit savings account.
You never have to decide how much to save or when. Digit does it for you — which is why many people consider it one of the Best Apps to Automate Your Savings.
Plus, the app even helps you save for specific goals like a vacation or debt payoff. It’s like having a personal money assistant who knows exactly what you can afford to save.
3. Qapital: Save Based on Your Habits
If you like goal setting and gamification, Qapital is your app. It lets you create “rules” that trigger savings. For example, you can set it so every time you buy takeout or spend at Starbucks, you save $5. Or, every time you meet your step goal for the day, you stash away $2.
These small behavioral nudges make saving fun and intentional. The app also offers automated transfers and investing options, giving you full control over how your money grows.
With features this creative, Qapital deserves a top spot among the Best Apps to Automate Your Savings in 2025.
4. Chime: The Bank That Saves for You
Chime is more than just a banking app — it’s built to help you save automatically. Every time you use your Chime debit card, it rounds up transactions and moves the spare change into your savings account.
On top of that, if you set up direct deposit, Chime can automatically save a percentage of your paycheck. So, if you always forget to move money to savings after payday, Chime handles it for you.
Its simplicity and automation make it a perfect pick for anyone trying to build better financial habits without effort.
5. Empower: Track, Budget, and Save Automatically
Empower goes beyond savings — it helps you see your full financial picture. The app tracks spending, suggests budgets, and even finds opportunities to save more.
Its AutoSave feature analyzes your cash flow and automatically moves small amounts of money to your Empower savings account. You can also set goals like “Save $1,000 in three months,” and the app calculates exactly how much to move weekly to hit it.
Empower truly earns its place among the Best Apps to Automate Your Savings because it combines smart tech with real-world financial insight.
6. Ally Bank: Old-School Banking Meets Smart Automation
Ally isn’t a “new” app — it’s an online bank that’s been quietly ahead of the curve. Its “Buckets” feature lets you divide your savings into different goals like “vacation,” “home,” or “emergency fund.”
You can schedule recurring transfers or set up automatic rules to round up purchases. And since Ally pays competitive interest rates, your automated savings grow faster than they would sitting in a traditional account.
This blend of automation and control makes Ally a solid contender on any list of Best Apps to Automate Your Savings.
7. Mint: Budgeting with Built-In Automation
Mint is one of the most popular budgeting apps ever made — and it’s not just about tracking expenses. It helps you automate your money flow by categorizing spending, identifying waste, and setting recurring transfers to savings.
If you’re serious about understanding your money while also saving more, Mint gives you both. The app also syncs with nearly every financial institution, so your progress stays up to date in real time.
It’s perfect for anyone who wants a big-picture view while still benefiting from automation.
Why Automation Works So Well
The truth is, saving money isn’t just about willpower — it’s about removing friction. When saving happens automatically, you skip the mental debate of “should I or shouldn’t I?” every payday.
The Best Apps to Automate Your Savings make consistency simple. They help you build the habit quietly, and that habit turns into results over time. Small transfers, rounded-up purchases, and scheduled goals may not feel like much in the moment, but they add up faster than most people expect.
Automation doesn’t just save your money — it saves your sanity.
How to Choose the Right App for You
Choosing between the Best Apps to Automate Your Savings depends on your lifestyle and goals.
- If you love simplicity and minimal effort, Digit or Acorns are great picks.
- If you want fun, creative control, go with Qapital.
- For a banking-first approach, Chime or Ally may fit better.
- And if you want a complete financial overview, Empower or Mint are your best bet.
The good news? Many of these apps offer free trials or low fees, so you can test them and see what fits your financial groove best.
Final Thoughts
Money management doesn’t have to be stressful or time-consuming. With the Best Apps to Automate Your Savings, you can finally save money without thinking about it.
These apps help you stay consistent, build better habits, and reach your goals faster — all while working quietly in the background. So, pick one, set it up, and let your phone do the heavy lifting. Your future self will thank you.
