11 Best Apps to Save Money Automatically in 2025

Set It & Save It: These Smart Apps Do the Work for You

 

 Introduction

Saving money can be hard, but what if you didn’t have to think about it? In today’s busy world, keeping track of expenses and bills can make saving feel impossible. Plus, with prices going up all the time, putting money aside is more important than ever. That’s why apps to save money automatically are becoming so popular. These apps help you save without even trying.

Automatic savings apps connect to your bank account and use smart tools to save small amounts of money for you. They might round up your purchases or watch your spending to find safe amounts to save. Many Americans use these apps to build emergency funds, pay off debt, or save for trips and big buys.

This article is updated for 2025 and covers the best apps that offer great features, low or no fees, easy-to-use designs, and strong security. If you want to save money without stress or complicated budgeting, these apps can help you do just that. Let’s explore the top apps that make saving simple and automatic.

 What Are Automatic Savings Apps & How Do They Work?

Automatic savings apps are tools that help you save money easily and without stress. These apps connect safely to your checking account and use simple ways to put aside small amounts of money for you. One common method is round-ups—the app rounds up your purchases to the nearest dollar and saves the extra change. Another way is rule-based saving, where you set rules like “save $5 every week” or “save money when I skip eating out.” Some apps use smart technology called AI to study your spending and decide the best amount to save without causing overdrafts.

There are three main kinds of automatic savings apps:

Passive savings apps save money quietly in the background.

Goal-based apps help you save for things like a vacation or an emergency fund.

AI-powered apps use smart tech to save money based on how you spend and earn.

For people in the USA, these apps are very safe. They link with most US banks and offer FDIC protection, which means your money is insured up to certain limits. Some apps also help with tax savings or link to retirement accounts, making it easier to grow your money over time.

Knowing how these apps work can help you pick the right one to save money without extra effort.

 

 Quick Comparison Table: Best Automatic Savings Apps at a Glance

Here’s a clear and simple comparison table to help you quickly find the best automatic savings app for your needs. Whether you're saving for a rainy day, planning a vacation, or trying to build better money habits, this chart shows how each app works at a glance.

App	Best For	Fees	Automation Method	Links to Bank?	Free Trial
Acorns	Investing spare change	$3–$5/month	Round-ups + auto deposits	✅ Yes	❌ No
Digit	AI-based smart saving	$5/month	AI-driven daily savings	✅ Yes	✅ 6 days
Qapital	Custom savings goals	$3–$12/month	Rule-based saving goals	✅ Yes	✅ 30 days
Chime	Round-ups + high-yield APY	$0	Purchase round-ups	✅ Yes	❌ No
Rocket Money	Bills & auto saving combo	$0–$6/month (user sets)	AI + budget-based saving	✅ Yes	✅ 7 days
Empower	Fast savings & budgeting	$8/month	AI + set rules	✅ Yes	✅ 14 days
Ally Bank	Bucket savings with/ goals	$0	Manual + recurring rules	✅ Yes	❌ No (Bank service)
Stash	Micro-saving + investing	$3–$9/month	Auto transfers	✅ Yes	❌ No
Current	Round-ups + pods	$0	Round-ups + savings pods	✅ Yes	❌ No

✅ Tip: Choose the app that fits your savings style—whether you want full automation, goal-setting, or investing alongside saving.

 

 

 

 

 11 Best Apps to Save Money Automatically in 2025

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1. Acorns – Best for Saving + Investing Automatically

Overview:
Acorns helps you save and invest without any effort. It rounds up your purchases and puts the extra cents into a diversified investment portfolio.

Key Features:

Round-up savings from linked debit/credit cards

Auto-recurring contributions

Invests in ETFs based on risk level

Educational content and retirement planning

Pros & Cons:

Easy to use, hands-off

Investment grows over time – Monthly fee applies – Limited control over portfolio

Pricing: $3–$5/month

Who It’s Best For:
Busy users who want to save and invest with zero effort.

Trust & Safety: FDIC-insured sweep accounts; 256-bit encryption; SIPC protection for investments.

Download Links:
Google Play | App Store

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2. Digit (Now Oportun) – Best AI-Based Saving

Overview:
Digit uses smart algorithms to analyze your spending and automatically move small amounts into savings without overdrafting your account.

Key Features:

AI-driven savings based on your cash flow

Goal setting and progress tracking

Automatic bill payment options

Pros & Cons:

Smart automation

Custom savings goals
– $5/month fee
– No investing features

Pricing: $5/month

Who It’s Best For:
Anyone looking for a smarter, more hands-free way to save money.

Trust & Safety: FDIC-insured accounts; bank-level encryption

Download Links:
Google Play | App Store

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3. Qapital – Best for Goal-Based Rules

Qapital is a smart money-saving app that helps you build better habits and reach your goals automatically. It uses simple rules and smart automation to move small amounts of money into your savings, without making your daily life harder.

With Qapital, you can set custom savings rules that match your lifestyle. For example, round up every purchase to the nearest dollar, save every time you skip a coffee, or set a daily or weekly goal. The app tracks your progress and helps you stay on track without stress.

Qapital also offers features like a Spending Account, shared goals for couples, and beginner-friendly investing tools. Everything is built to help you make smarter money choices—automatically.

It works with your existing U.S. bank account and uses bank-level security and FDIC insurance through partner banks.

Qapital is great for people who want a fun, flexible way to save money in 2025. Plans start at just $3/month.

Key Features:

Rule-based savings triggers

Shared goals with partners

In-app budgeting and spending tracker

Pros & Cons:

Highly customizable

Great for couples
– Monthly fee
– No interest on saved funds

Pricing: $3–$12/month

Who It’s Best For:
People who enjoy setting creative savings goals.

Trust & Safety: FDIC insured through partner banks; secure encryption.

Download Links:
Google Play | App Store

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4. Chime – Auto Round-Up & High-Yield Savings

Chime is a modern, mobile-first banking app designed to help you save money automatically without monthly fees. It offers two powerful savings tools: Round-Up Transfers, which automatically save the spare change from your everyday purchases, and Save When You Get Paid, which moves a percentage of your direct deposit into your savings account.

Chime also features a high-yield savings account with a competitive interest rate, giving your money a chance to grow faster than with traditional banks. There are no minimum balance requirements, no hidden fees, and your savings are FDIC insured up to $250,000 through its banking partners.

With real-time transaction alerts, early payday access, and a user-friendly app, Chime makes it easy to build strong savings habits in 2025, whether you're just starting or growing an emergency fund.

Key Features:

Round-up savings on every purchase

2.00% APY (subject to change)

Direct deposit and early paycheck access

Pros & Cons:

No fees

Fast transfers
– Limited features outside banking

Pricing: Free

Who It’s Best For:
Anyone looking for a free, all-in-one banking and saving solution.

Trust & Safety: FDIC insured up to $250,000; bank-level security

Download Links:
Google Play | App Store

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5. Rocket Money – Best for Subscriptions + Auto‑Savings

Overview:
Rocket Money is like a smart finance assistant living in your phone. It spots subscription charges you don’t use anymore and lets you cancel them with a tap — all while quietly funneling small amounts into your savings.

It's the go‑to app when you want simple tools for tracking your finances, sticking to budgets, and reaching savings goals — without annoying fees. Imagine saving money effortlessly and finally getting a handle on your subscriptions, all in one place.

Key Features:

AI-powered savings plans

Tracks subscriptions and spending

Cancel unused subscriptions with one tap

Pros & Cons:

All-in-one savings + budgeting tool

Easy to use
– Premium features behind a paywall

Pricing: $0–$6/month (user chooses)

Who It’s Best For:
People who want to stop wasting money and grow savings at the same time.

Trust & Safety: Bank-level encryption; FDIC-insured savings accounts

Download Links:
Google Play | App Store

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6. Empower – Fast Saving + Budgeting

Empower – Best for Smart Budgeting and Fast Auto-Saving
Overview:
Empower is a smart money app that helps you save and stay on top of your finances—all from your phone. It uses AI to look at your income and spending, then automatically saves small amounts you won’t even miss. It’s like a personal money assistant that works in the background.

Need quick cash? Empower gives you access to up to $250 with no interest. You can also track your bills, set budgets, and get helpful alerts to avoid overspending. Everything is designed to make managing money simple and stress-free.

It connects securely to your U.S. bank account, and your information is protected with top-level encryption. Whether you’re saving for a trip, building an emergency fund, or just trying to get better with money, Empower makes it easier to hit your goals without overthinking it.

Key Features:

AI-based savings

Instant budgeting tools

Up to $250 cash advance with no interest

Pros & Cons:

Combining savings, budgeting, and emergency funds

Great mobile experience
– $8/month fee after trial

Pricing: $8/month after 14-day free trial

Who It’s Best For:
Young professionals need a fast, all-in-one financial app.

Trust & Safety: 256-bit encryption; FDIC insured accounts

Download Links:
Google Play | App Store

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7. Ally Bank Buckets – Traditional Savings + Automation

Overview:
Ally Bank lets you organize your savings into buckets within a high-yield savings account, with tools to automate deposits.

Key Features:

Up to 10 buckets per account

Set rules and schedule automatic transfers

High interest rates

Pros & Cons:

No fees

Reliable and secure bank
– Not app-only; needs desktop for full access

Pricing: Free

Who It’s Best For:
People who want a traditional bank with modern tools.

Trust & Safety: FDIC insured; trusted US bank

Download Links:
Google Play | App Store

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8. Stash – Save + Invest Small Amounts

Overview:
Stash combines saving and investing, allowing you to start with as little as $5 while learning about personal finance.

Key Features:

Auto-Stash for automatic savings

Invest in fractional shares

Banking features

Pros & Cons:

Learn and grow your money

Micro-investing friendly
– Monthly fees

Pricing: $3–$9/month

Who It’s Best For:
New savers and investors who want to start small.

Trust & Safety: SIPC and FDIC protection; encrypted data

Download Links:
Google Play | App Store

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9. Monzo  – Trending Digital Bank with Smart Saving Tools

Overview:
Monzo is a fast-growing UK-based digital bank now available in the U.S. through its beta launch. It’s designed for people who want a modern way to manage money—straight from their phone. With Monzo, you can create smart savings “pots,” set budgets, and track your spending in real time, all in one easy-to-use app.

The app helps you build healthy money habits by rounding up your purchases and automatically saving the spare change. You’ll also get instant alerts on every transaction, helping you stay in control of your budget and spending. Whether you're saving for a vacation or just trying to be smarter with daily expenses, Monzo makes it simple.

Monzo uses strong encryption and follows U.S. banking regulations, so your money and personal info stay secure. It's a great choice for tech-savvy users who want a smarter, cleaner, and faster way to save money in 2025.

Key Features:

Instant savings pots

Round-up savings

Real-time budgeting

Pros & Cons:

Trendy, easy to use

Community-focused features
– Still in beta for US

Pricing: Free

Who It’s Best For:
Tech-savvy users looking for a stylish, all-in-one bank.

Trust & Safety: FCA regulated in the UK; strong encryption and US compliance

Download Links:
Google Play | App Store

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10. Current – Best for Round-Up Savings and Goal-Based Pods

Overview:

Current is a modern mobile banking app built for people who want to save money automatically without stress. With its smart round-up savings feature, every time you make a purchase, it rounds up the amount and moves the spare change into your savings. This helps you build savings little by little—without even noticing.

One of Current’s standout tools is Saving Pods. These are like mini piggy banks inside the app that let you organize your money by goal—whether you're saving for a trip, emergency fund, or a new phone. You can name each pod, track your progress, and even set automatic transfers to make saving easier.

The app works with direct deposit, gives early paycheck access, and offers helpful budgeting tools to improve your money habits. It uses 256-bit encryption and is FDIC insured, so your money stays protected.

If you’re looking for a free, easy-to-use, and secure automatic savings app in 2025, Current is a strong choice—especially for teens, students, and anyone who wants a set-it-and-forget-it way to grow their savings.

Key Features of Current App:

         Round-Up Savings: Automatically round up every purchase to the nearest dollar and save the spare change effortlessly. This micro-saving feature helps you build your savings without thinking about it.

         Savings Pods: Organize your money by creating multiple customizable savings pods. Track your progress toward specific goals like emergency funds, vacations, or monthly bills with ease.

         Early Paycheck Access & Budgeting Tools: Access your paycheck up to two days early through direct deposit. Use built-in budgeting tools to monitor your spending and stay on top of your financial goals.

Pros & Cons:

Current is a fast and flexible app that helps you save money easily. It lets you round up your purchases to the nearest dollar and puts that extra change into your savings. You can also create saving pods to organize your money for different goals, like a trip or an emergency fund. Plus, it offers early payday options and simple budgeting tools to keep your finances on track.

While Current is great for managing multiple savings goals, it doesn’t have many options for investing your money. But if you want an easy way to save regularly and keep your money organized, Current is a solid choice for young savers who want a user-friendly app.

Pricing: Free

Who It’s Best For:
Anyone looking for a flexible, mobile-first saving experience.

Trust & Safety: FDIC insured; 256-bit encryption

Download Links:
Google Play | App Store

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11. Plum or Chip – UK/US Crossover Options

Overview:
Plum and Chip started in the UK but are gaining interest in the US for their AI-based savings and investment features.

Key Features:

AI saves money daily

Split goals and custom rules

Investment options available

Pros & Cons:

Smart automation

Investing + saving in one
– Limited US banking integration

Pricing: Free & paid plans (varies)

Who It’s Best For:
Tech-savvy savers want something fresh and smart.

Trust & Safety: FSCS protection (UK); encryption and compliance for US rollout

Download Links:
Google Play | App Store

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How to Choose the Right Savings App for You

With so many money-saving apps out there in 2025, picking the right one depends on your personal goals and habits. To make a smart choice, ask yourself these questions:

Do you want an app that helps you save and invest together?

Are low or no fees a must for you?

Do you love features like cashback, round-ups, or fun savings challenges?

Do you prefer automatic savings using AI or more manual control?

Once you’ve answered those, compare these five important features:

1. Fees: Some apps are totally free, while others charge a small monthly fee. Ensure the cost aligns with your budget.

2. Automation Style: Apps like Digit or Empower use smart algorithms to save for you automatically. If you like more control, Qapital lets you set rules and customize your savings.

3. Bank Connection: Check if the app connects smoothly to your US checking account or debit card to avoid hiccups.

4. Custom Goals: Planning for a trip, emergency fund, or big purchase? Choose an app that lets you set clear, trackable goals.

5. Ratings & Support: Pick apps with strong user reviews and helpful customer support in case anything goes wrong.

By focusing on what matters most to you, you’ll easily find the best savings app—whether you want to build your emergency fund, automate your investing, or just stash away a little each day. The right app will make saving easier, smarter, and more fun. Let it do the work while you watch your money grow!

 

 

Benefits of Using an Automatic Savings App

If you live in the U.S. and love using apps to manage your money, automatic savings apps are a must-have in 2025. These apps help you save cash without lifting a finger—perfect for busy people who want to grow their savings the easy way.

One major benefit is consistency. These apps save small amounts from your bank account or card every week (or even daily, or as you command it), so you don’t have to remember to do it yourself. Over time, this builds up your savings with almost zero effort. That’s really amazing.

They also help you spend less. When your extra cash gets moved to savings automatically, you’re less likely to spend it on impulse buys.

Want to hit your savings goals faster—like a vacation, emergency fund, or paying off debt?

Many apps use smart tools like round-ups or AI-based savings, which adjust to your income and spending habits.

The best part? These apps work quietly in the background while you go about your life. And while you're saving, you’ll start learning more about money management—without taking a finance class.

So if you want to save smarter, not harder, a savings app is one of the easiest ways to build better financial habits in 2025.

 

 

FAQs About Money-Saving Apps in the USA 

Q1: Are automatic savings apps safe to use in the U.S.?

Yes. Most top-rated savings apps in the U.S. are built with bank-grade encryption and FDIC-insured accounts, ensuring your money and data are fully protected. Trusted apps like Acorns, Chime, and Digit comply with U.S. financial regulations for maximum safety.

Q2: Can these apps connect with U.S. checking or savings accounts?
Absolutely. Leading apps are designed to securely sync with major U.S. banks and credit unions, allowing real-time tracking, deposits, and round-up transfers. Apps like Empower and Qapital offer smooth, bank-level integration.

Q3: How much money can I realistically save each month using a savings app?
Depending on your spending habits and automation settings, users often save $50 to $300 per month effortlessly. Features like round-ups, smart rules, and AI help maximize passive savings without disrupting your budget.

Q4: Do savings apps charge hidden fees?
No hidden fees—reputable apps are transparent. Some are 100% free (like Chime or Current), while others charge a small monthly fee (typically $3–$8). Always review pricing details before committing.

Q5: What are the best free savings apps in 2025?
Top free apps include Chime, Current, and Monzo (Beta). These offer automatic savings, round-ups, and goal-setting tools with zero monthly fees.

Q6: Will these apps overdraft my bank account?
Not likely. Most apps use smart algorithms to monitor your balance and pause transfers if your account is low, preventing overdrafts. Digit and Rocket Money are known for this feature.

 

 

Final Thoughts: Start Saving Without Thinking in 2025

If you’re ready to take control of your money in 2025, the easiest way is to start using an automatic savings app. 

These apps that save money for you run quietly in the background, helping you build wealth, hit savings goals, and spend smarter, without changing your lifestyle.

Not sure where to begin? Try:

·         Acorns – Best for automatic saving + investing

·         Qapital – Perfect for creative goal-based savings

·         Chime – Ideal for users wanting no fees + round-up savings

Whether you’re a student, a busy parent, or a working professional, there’s a money-saving app designed just for you. These tools offer AI-powered savings, round-ups, and even FDIC-insured security.

👉 Start with a free trial or download your favorite app now from Google Play or the App Store.
Make 2025 the year you build savings on autopilot—no stress, no effort, just results.