{"id":167,"date":"2025-02-24T16:59:44","date_gmt":"2025-02-24T16:59:44","guid":{"rendered":"https:\/\/www.techrepublic.com\/?p=4293027"},"modified":"2025-02-24T16:59:44","modified_gmt":"2025-02-24T16:59:44","slug":"the-7-best-money-saving-apps-reviewed-for-2025","status":"publish","type":"post","link":"https:\/\/blog.tecnoartesanos.com\/index.php\/2025\/02\/24\/the-7-best-money-saving-apps-reviewed-for-2025\/","title":{"rendered":"The 7 Best Money Saving Apps Reviewed for 2025"},"content":{"rendered":"<p>The best apps for money saving are designed to automate savings, track spending, and even reward good financial habits. If you\u2019re looking to round up spare change, earn cash back on purchases, or get insights into your budget, there\u2019s an app to fit your needs. With so many options available, choosing the right one can be overwhelming. This guide breaks down the best money saving apps of the year, comparing their features, fees, and benefits to help you find the perfect fit for your financial goals.<\/p>\n<p><!-- ICP Plugin: Start --><!-- ICP Plugin: End --><\/p>\n<p>Here is a list of our best apps for money saving in 2025:<\/p>\n<ul>\n<li>Best overall app for assigning a purpose to every dollar in your budget to help users get control of their finances: <a href=\"https:\/\/link.technologyadvice.com\/r\/ynab-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>YNAB (You Need A Budget)<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-7800d2e4c049\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-7800d2e4c049\" class=\"trcom-info-content d-none sr-text\">If your bank account is in the United States or Canada, Open Banking will be provided by Plaid or MX. If your bank account is in the UK, Open Banking will be provided by TrueLayer Limited.<\/span> <\/span> <\/li>\n<li>Best for rounding up purchases to the nearest dollar and investing the spare change: <a href=\"https:\/\/link.technologyadvice.com\/r\/acorns-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Acorns<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-1c3d2aaf3fd1\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-1c3d2aaf3fd1\" class=\"trcom-info-content d-none sr-text\">Acorns is not a bank. Acorns Visa\u2122 debit cards and banking services are issued and provided by Lincoln Savings Bank or nbkc bank, Members FDIC.<\/span> <\/span> <\/li>\n<li>Best app that turns saving money into a game, allowing users to set rules that trigger money saving as they reach goals: <a href=\"https:\/\/link.technologyadvice.com\/r\/qapital-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Qapital<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-9c0469460900\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-9c0469460900\" class=\"trcom-info-content d-none sr-text\">Qapital is a fintech company, not an FDIC-insured bank. Checking account provided by Lincoln Savings Bank, Member FDIC.<\/span> <\/span> <\/li>\n<li>Best app for a financial snapshot helping users identify disposable income: <a href=\"https:\/\/link.technologyadvice.com\/r\/pocketguard-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>PocketGuard<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-62fb7f60b6e0\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-62fb7f60b6e0\" class=\"trcom-info-content d-none sr-text\">PocketGuard is a fintech, not a bank. It allows you to save money by analyzing spending habits to identify ways to save and define disposable income.<\/span> <\/span> <\/li>\n<li>Best for managing subscriptions, tracking spending, and reducing bills: <a href=\"https:\/\/link.technologyadvice.com\/r\/rocket-money-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Rocket Money<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-804d7caecb41\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-804d7caecb41\" class=\"trcom-info-content d-none sr-text\">Banking services provided by NBKC Bank and partners of Synapse, Members FDIC.<\/span> <\/span> <\/li>\n<li>Best cash back app for making purchases through partner retailers: <a href=\"https:\/\/link.technologyadvice.com\/r\/rakuten-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Rakuten<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-6f949005c0b1\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-6f949005c0b1\" class=\"trcom-info-content d-none sr-text\">Rakuten is a fintech, not a bank. It allows you to save money by offering cash back rewards, coupon codes, promo codes and discounts at partner retailers.<\/span> <\/span> <\/li>\n<li>Best comprehensive budgeting app helping users track spending and set a workable budget: <a href=\"https:\/\/link.technologyadvice.com\/r\/monarch-main\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Monarch<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-1efc7f8f1a99\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-1efc7f8f1a99\" class=\"trcom-info-content d-none sr-text\">Monarch is a fintech, not a bank. It allows you to save money with budgeting tools that track spending and help you set long term savings goals.<\/span> <\/span> <\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Best_apps_for_money_saving_quick_comparison\"><\/span>Best apps for money saving quick comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> <!-- #tablepress-4198-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"best-overall-ynab-you-need-a-budget-best-app-for-assigning-a-purpose-to-every-dollar-in-your-budget-to-help-users-get-control-of-their-finances\" readability=\"28.763071895425\">\n<h2>Best Overall: YNAB (You Need A Budget): best app for assigning a purpose to every dollar in your budget to help users get control of their finances<\/h2>\n<figure id=\"attachment_4293047\" aria-describedby=\"caption-attachment-4293047\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4293047\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/ynab.jpg\" alt=\"YNAB logo.\" width=\"300\" height=\"76\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/ynab.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/ynab-50x13.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/ynab-270x68.jpg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4293047\" class=\"wp-caption-text\">Image: YNAB<\/figcaption><\/figure>\n<p>YNAB is a powerful budgeting app. It stands for You Need A Budget. That\u2019s exactly what it does by giving every dollar a job. Unlike traditional budgeting tools that track past spending, YNAB focuses on proactive money management, ensuring that every dollar is allocated toward expenses, savings, or financial goals.<\/p>\n<p>It uses a zero-based budgeting approach, meaning users plan for every dollar of income before spending it. YNAB also provides educational resources, goal-setting features, and real-time syncing across devices, making it ideal for individuals who want a structured, hands-on approach to managing their money while also developing smart financial habits.<\/p>\n<h3>Why I chose it<\/h3>\n<p>YNAB promotes financial discipline, proactive money management, and long-term financial stability. Here are a few features that really make this app stand out:<\/p>\n<ul>\n<li>Encourages responsible spending<\/li>\n<li>Reduces financial stress and debt<\/li>\n<li>Helps build savings and emergency funds<\/li>\n<li>Saves bank fees<\/li>\n<li>Supports long-term financial planning<\/li>\n<\/ul>\n<h3>Monthly fees<\/h3>\n<ul>\n<li>$14.99 monthly or $109.00 annually<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>App connects and syncs in real-time with your bank<\/li>\n<li>App view can be customized<\/li>\n<li>App includes date prioritized goal tracking<\/li>\n<li>Loan calculator helps to pay debt down faster<\/li>\n<li>Robust reporting feature<\/li>\n<li>Assign jobs for every dollar<\/li>\n<li>Provides educational resources and community support<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4199-no-2\" class=\"tablepress tablepress-id-4199\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2.5\">\n<tr class=\"row-2\" readability=\"5\">\n<td class=\"column-1\">\n<ul>\n<li>Automatically detects bank transactions<\/li>\n<li>Allows creation of multiple budgets<\/li>\n<li>Sync across multiple devices<\/li>\n<li>Can be customized to fit your needs<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Requires regular management<\/li>\n<li>Bill pay is not included<\/li>\n<li>Phone support not available<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4199-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"acorns-best-for-rounding-up-purchases-to-the-nearest-dollar-and-investing-the-spare-change\" readability=\"26.738920225624\">\n<h2>Acorns: Best for rounding up purchases to the nearest dollar and investing the spare change<\/h2>\n<figure id=\"attachment_4293054\" aria-describedby=\"caption-attachment-4293054\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4293054\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/acorns.jpg\" alt=\"Acorns logo.\" width=\"300\" height=\"81\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/acorns.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/acorns-50x14.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/acorns-270x73.jpg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4293054\" class=\"wp-caption-text\">Image: Acorns<\/figcaption><\/figure>\n<p>Acorns specializes in micro-investing, which allows users to automatically round up purchases to the nearest dollar and then invest the spare change into a diversified portfolio. It also has additional savings features such as recurring deposits, retirement accounts, and checking with cash back rewards. This is perfect for those who want to be hands-off investors, growing balances gradually without needing financial insights on market trends.<\/p>\n<h3>Why I chose it<\/h3>\n<p>Acorns approaches saving money from a perspective that\u2019s attainable for most people. By using Whole Dollar Round-Ups\u00ae, you\u2019re not investing large sums of money at once. Each investment is less than $1, allowing you to grow gradually without compromising your budget. The concept is that tiny acorns grow mighty oaks.<\/p>\n<p>It will allow you to link as many debit or credit cards as you would like in the round up program; however, the round-up portion would come from your Acorns checking account. The more cards you link, the more opportunities you create for investing.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li><strong>Acorns Bronze:<\/strong> $3 monthly<\/li>\n<li><strong>Acorns Silver:<\/strong> $6 monthly<\/li>\n<li><strong>Acorns Gold:<\/strong> $12 monthly<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Investment account with a diversified portfolio<\/li>\n<li>Checking account automatically invests for you<\/li>\n<li>Debit cards available with accounts<\/li>\n<li>No overdraft fees<\/li>\n<li>55,000 free nationwide ATMs<\/li>\n<li>450 in-app partner brands to earn bonus investments<\/li>\n<li>Video learning modules for tips on money and investing<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4200-no-2\" class=\"tablepress tablepress-id-4200\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"4.5\">\n<tr class=\"row-2\" readability=\"9\">\n<td class=\"column-1\">\n<ul>\n<li>Save and invest in one place<\/li>\n<li>Round up investments with less than $1 or manually invest for as little as $5<\/li>\n<li>Chat, email, and phone support available 5 am-7 pm PST<\/li>\n<li>Interest-earning checking options<\/li>\n<li>Bitcoin-linked EFT cryptocurrency investment options available<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>No free account options<\/li>\n<li>Fees to transfer investments to a broker<\/li>\n<li>Users are not able to pick specific stocks or bonds<\/li>\n<li>Long-term investments may not build up enough for retirement<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4200-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"qapital-best-app-that-turns-saving-money-into-a-game-allowing-users-to-set-rules-that-trigger-money-saving-as-they-reach-goals\" readability=\"18.764985727878\">\n<h2>Qapital: best app that turns saving money into a game, allowing users to set rules that trigger money saving as they reach goals<\/h2>\n<figure id=\"attachment_4293075\" aria-describedby=\"caption-attachment-4293075\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4293075\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/qapital.jpeg\" alt=\"Qapital logo.\" width=\"300\" height=\"77\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/qapital.jpeg 442w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/qapital-300x77.jpeg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/qapital-50x13.jpeg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/qapital-370x95.jpeg 370w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/qapital-270x70.jpeg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4293075\" class=\"wp-caption-text\">Image: Qapital<\/figcaption><\/figure>\n<p>Qapital is a goal-based savings and budgeting app designed to help users build better financial habits through automation and behavioral psychology. It allows users to set savings goals and use customizable \u201crules\u201d to save money effortlessly. Whether rounding up purchases, saving when hitting fitness milestones, or automatically setting aside money on payday, Qapital makes saving money easy and engaging.<\/p>\n<h3>Why I chose it<\/h3>\n<p>This app appeals to goal-driven users, allowing them to turn money saving into a game by reaching certain benchmarks. Many struggle with finance and saving but love a challenge. The sense of accomplishment that comes with achieving a goal is compounded by attaching a financial achievement to it. Qapital has figured out how to gamify finance which makes it fun and rewarding at the same time.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li><strong>Basic:<\/strong> $3 monthly<\/li>\n<li><strong>Complete:<\/strong> $6 monthly<\/li>\n<li><strong>Premier:<\/strong> $12 monthly<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Automatic saving rules, such as rounding up purchases<\/li>\n<li>App allows you to increase savings over a 52-week period<\/li>\n<li>Recurring deposits can be set on a schedule<\/li>\n<li>Specific savings goals encouraged, like emergency funds and vacations<\/li>\n<li>Robust spending and budgeting tools<\/li>\n<li>Automated investment portfolios<\/li>\n<li>Paychecks can be divided into categories<\/li>\n<li>Family members can be added as collaborators<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4201-no-2\" class=\"tablepress tablepress-id-4201\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2.5\">\n<tr class=\"row-2\" readability=\"5\">\n<td class=\"column-1\">\n<ul>\n<li>Set and forget saving goals<\/li>\n<li>Automated tools for investments<\/li>\n<li>Customizable savings plans<\/li>\n<li>Three different membership levels<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Low yield on savings<\/li>\n<li>No retirement savings plans<\/li>\n<li>Customer support only available by email or in-app<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4201-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"pocketguard-best-app-for-a-financial-snapshot-helping-users-identify-disposable-income\" readability=\"23.610315186246\">\n<h2>PocketGuard: best app for a financial snapshot helping users identify disposable income<\/h2>\n<figure id=\"attachment_4293080\" aria-describedby=\"caption-attachment-4293080\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4293080\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard.jpg\" alt=\"PocketGuard logo.\" width=\"300\" height=\"90\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard.jpg 800w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard-300x90.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard-768x229.jpg 768w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard-50x15.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard-770x230.jpg 770w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard-370x111.jpg 370w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard-270x81.jpg 270w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard-740x221.jpg 740w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/pocketguard-540x161.jpg 540w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4293080\" class=\"wp-caption-text\">Image: PocketGuard<\/figcaption><\/figure>\n<p>PocketGuard is a budgeting app designed to help users track spending, manage bills, and save money effortlessly. Its standout feature, \u201cIn My Pocket,\u201d calculates how much disposable income you have after covering bills, necessities, and savings goals \u2014 making budgeting easy and intuitive. It\u2019s an all-in-one platform that brings everything you need together so you can manage your finances efficiently.<\/p>\n<h3>Why I chose it<\/h3>\n<p>PocketGuard has a user-friendly interface, allowing users to get a quick overview of their monthly finances or dive deeper into them. With PocketGuard, disposable income is easily identified by using technology that categorizes income and expenses. It assists in paying down debt, identifying any extra funds that can be redirected toward a debt paydown plan. It also tracks spending and lets you set savings goals to maximize financial benefits.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li>&nbsp;$12.99 monthly or $74.99 annually<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Unlimited Financial accounts<\/li>\n<li>Rollover budgeting<\/li>\n<li>Subscription tracking<\/li>\n<li>Custom financial goals<\/li>\n<li>Debt payoff plan<\/li>\n<li>Import\/export transactions easily<\/li>\n<li>Desktop site and mobile app available<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4202-no-2\" class=\"tablepress tablepress-id-4202\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2.5\">\n<tr class=\"row-2\" readability=\"5\">\n<td class=\"column-1\">\n<ul>\n<li>Syncs with banking accounts<\/li>\n<li>Identifies disposable income<\/li>\n<li>Tracks your net worth<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>App does not track investments<\/li>\n<li>Phone support not available<\/li>\n<li>Website interface not as user-friendly as app<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4202-no-2 from cache --> <\/p>\n<aside class=\"pinbox right\">\n<h3 class=\"heading\">More Banking Coverage<\/h3>\n<\/aside>\n<div class=\"listicle listicle-item\" id=\"rocket-money-best-for-managing-subscriptions-tracking-spending-and-reducing-bills\" readability=\"28.534759358289\">\n<h2>Rocket Money: best for managing subscriptions, tracking spending, and reducing bills<\/h2>\n<figure id=\"attachment_4293085\" aria-describedby=\"caption-attachment-4293085\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4293085\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money.jpg\" alt=\"Rocket Money logo.\" width=\"300\" height=\"105\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money.jpg 1024w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money-300x105.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money-768x270.jpg 768w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money-50x18.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money-770x271.jpg 770w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money-370x130.jpg 370w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money-270x95.jpg 270w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money-740x260.jpg 740w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money-540x190.jpg 540w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rocket-money-810x285.jpg 810w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4293085\" class=\"wp-caption-text\">Image: Rocket Money<\/figcaption><\/figure>\n<p>Rocket Money is a personal finance app designed to help you track spending, manage subscriptions, and save money effortlessly. It focuses on bill negotiation, subscription management, and budgeting to help users lower expenses and stay on top of their finances.<\/p>\n<p>It also has a bill negotiation service that helps you lower internet, phone, and cable bills. It offers spending insights, allowing you to categorize and track expenses and make transfers into savings accounts. In addition, it tracks your credit score, making your finances and progress more transparent.<\/p>\n<h3>Why I chose it<\/h3>\n<p>This app is designed to help users keep up with expenses that sometimes fall through the cracks. One feature is the ability to manage and cancel subscriptions you may not realize you still have. It also has budgeting tools to help you keep track of funds coming in and out of your account while encouraging saving, even in small amounts.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li><strong>Rocket Money:<\/strong> $0<\/li>\n<li><strong>Rocket Money Premium:<\/strong> Between $6 and $12 monthly<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Subscription management<\/li>\n<li>Spending insights<\/li>\n<li>Bill negotiation<\/li>\n<li>Net worth calculation<\/li>\n<li>Financial goal tracking<\/li>\n<li>Credit score insights<\/li>\n<li>Budgeting tools<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4203-no-2\" class=\"tablepress tablepress-id-4203\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"3\">\n<tr class=\"row-2\" readability=\"6\">\n<td class=\"column-1\">\n<ul>\n<li>Tracks net worth<\/li>\n<li>Interface is user friendly<\/li>\n<li>Savings transfers can be automated<\/li>\n<li>Mobile widgets show insights on the home screen without opening the app<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Free features are limited<\/li>\n<li>Automatic categorization can be inaccurate<\/li>\n<li>No features to plan out debt payoff<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4203-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"rakuten-best-cash-back-app-for-making-purchases-through-partner-retailers\" readability=\"24.705349048051\">\n<h2>Rakuten: best cash back app for making purchases through partner retailers<\/h2>\n<figure id=\"attachment_4293093\" aria-describedby=\"caption-attachment-4293093\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4293093\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rakuten.jpeg\" alt=\"Rakuten logo.\" width=\"300\" height=\"90\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rakuten.jpeg 400w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rakuten-300x90.jpeg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rakuten-50x15.jpeg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rakuten-370x111.jpeg 370w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/rakuten-270x81.jpeg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4293093\" class=\"wp-caption-text\">Image: Rakuten<\/figcaption><\/figure>\n<p>Rakuten is a popular cash back and rewards app that allows users to earn money back on everyday purchases from thousands of retailers. By shopping through the Rakuten app or browser extension, users can receive a percentage of their purchases as cash back, which is paid out via PayPal or check. Rakuten partners with major brands like Walmart, Lenovo, CVS, Sam\u2019s Club, and Lowes, making it an easy way to save money online and with in-store shopping.<\/p>\n<h3>Why I chose it<\/h3>\n<p>This is definitely one of my favorite apps. I\u2019ve personally been using it for years. As a banker, it\u2019s easy for me to recommend Rakuten since it aligns with smart financial money management and saving strategies. It allows you to save money on everyday purchases, ultimately making your income go a little farther each time you use it. It helps you to build better financial habits, teaching you to look for savings opportunities and coupon codes for every purchase.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li>Free for buyers, online merchants pay all fees<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Cash back rewards from purchases made at over 3,500 retailers<\/li>\n<li>Browser extension automatically applies coupon codes and cash back deals<\/li>\n<li>Cash back can also be earned when shopping in-store with some retailers<\/li>\n<li>Cash back is sent quarterly via PayPal or check<\/li>\n<li>Referral bonuses for inviting friends to join<\/li>\n<li>Cash back rewards can be directed into a PayPal savings account<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4204-no-2\" class=\"tablepress tablepress-id-4204\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"3.5\">\n<tr class=\"row-2\" readability=\"7\">\n<td class=\"column-1\">\n<ul>\n<li>Cash back paid on everyday purchases<\/li>\n<li>3,500 stores including major brands offer cash back<\/li>\n<li>Some retailers offer double cash back<\/li>\n<li>New members receive a welcome bonus<\/li>\n<li>$20 paid for every friend you refer<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Not valid on Amazon<\/li>\n<li>Cash payouts are paid every three months<\/li>\n<li>Shopping and personal data is shared with 3rd party retailers<\/li>\n<li>No in-person customer service<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4204-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"monarch-best-comprehensive-budgeting-app-helping-users-track-spending-and-set-a-workable-budget\" readability=\"27.49477682811\">\n<h2>Monarch: best comprehensive budgeting app helping users track spending and set a workable budget <\/h2>\n<figure id=\"attachment_4293103\" aria-describedby=\"caption-attachment-4293103\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4293103\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/monarch.jpg\" alt=\"Monarch logo.\" width=\"300\" height=\"47\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/monarch.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/monarch-50x8.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/02\/monarch-270x42.jpg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4293103\" class=\"wp-caption-text\">Image: Monarch<\/figcaption><\/figure>\n<p>Monarch is a premium all-in-one personal finance app that helps users budget, track spending, manage investments, and set long-term financial goals. Unlike traditional budgeting apps, Monarch offers a holistic view of financial health, making it a powerful tool for individuals and families looking to take control of their finances.<\/p>\n<h3>Why I chose it<\/h3>\n<p>Monarch is a comprehensive financial management platform that helps you take a holistic approach to your finances. Unlike basic budgeting apps, Monarch is designed for those who want to actively manage wealth, long-term savings, and financial goals in one place. It syncs bank accounts, credit cards, investments, loans, and assets into a single dashboard, giving you a complete financial picture and allowing you to set up goal-based financial plans for the future.<\/p>\n<h3>Monthly fees<\/h3>\n<ul>\n<li>$14.99 monthly or $99.99 annually\n<ul>\n<li>Sign-up discount: 50% off first year with code NEWYEAR2025<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Transaction tracking<\/li>\n<li>AI categorization for spending<\/li>\n<li>Customizable reports<\/li>\n<li>Outgoing expenses in a calendar format<\/li>\n<li>Monitor investments<\/li>\n<li>Flexible budgeting<\/li>\n<li>Future planning available past 30 days<\/li>\n<li>Set goals to save up for big life events<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4205-no-2\" class=\"tablepress tablepress-id-4205\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2\">\n<tr class=\"row-2\" readability=\"4\">\n<td class=\"column-1\">\n<ul>\n<li>Net worth tracking<\/li>\n<li>Partner collaboration<\/li>\n<li>Comprehensive view of financial picture<\/li>\n<li>Advanced reporting<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>High subscription cost<\/li>\n<li>Does not monitor credit score<\/li>\n<li>Unable to move funds directly inside the app<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4205-no-2 from cache --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Alternative_apps_for_business_use_only\"><\/span>Alternative apps for business use only<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many of the best money saving apps are designed for personal finance with built-in saving features. However, business owners also want access to powerful tools that help track spending and optimize cash flow. Whether it\u2019s automating expense reporting, streamlining budgeting, or identifying cost-cutting opportunities, these business-focused apps provide essential financial management features. While the money saving features are not as prevalent, these apps do save time for business owners.<\/p>\n<p>Some of the best business apps offer solutions for tracking operational costs, handling invoicing, and uploading receipts from employees. Here are some standout apps designed specifically for businesses looking to streamline operations and improve financial management:<\/p>\n<ul>\n<li><strong>QuickBooks:<\/strong> A full-featured accounting and expense-tracking app that helps businesses manage finances, generate reports, and optimize cash flow.<\/li>\n<li><strong>Expensify:<\/strong> Automates expense tracking and receipt management, making it easier for businesses to monitor spending and streamline reimbursements.<\/li>\n<li><strong>Bill.com:<\/strong> Automating accounts payable and receivable, ensuring businesses never miss due dates or incur late fees.<\/li>\n<li><strong>Ramp:<\/strong> A corporate card and expense management platform that provides AI-driven insights to help businesses manage spending.<\/li>\n<li><strong>Brex:<\/strong> A financial platform offering expense tracking, budgeting tools, and cash back rewards for business spending.<\/li>\n<li><strong>Zoho Expense:<\/strong> A cost-effective expense management app that simplifies business reimbursements, approval workflows, and financial reporting.<\/li>\n<\/ul>\n<p> <!-- #tablepress-4206-no-2 from cache --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_choose_the_seven_best_money_saving_apps\"><\/span>How to choose the seven best money saving apps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When choosing the best money savings apps, YNAB checked all the boxes. It offers proven methods for budgeting by using a zero-based system where every dollar has a job to do and is assigned to a specific category.<\/p>\n<p>The comprehensive budgeting tools also make it a top pick, encouraging proactive budgeting so users can gain control of their finances. They can also attend educational workshops, listen to tutorials, or read educational material so the financial choices they make are well planned out.<\/p>\n<p>Overall, the apps in this guide allow for some form of financial automation and offer goal-oriented saving methods. Many have tracking and budgeting tools, customizable financial controls, and also assist with subscription management. The main commonality among all the choices here is the improvement the app can make on financial health by encouraging saving while cutting costs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Methodology\"><\/span>Methodology<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When reviewing apps to compile the list of the best apps for money saving, I looked for features that allow users to keep up with expenses so it\u2019s easier to identify disposable income. The app would also need to integrate with an existing bank account or offer a new bank account to users with an option to sync transactions. I also checked for budgeting and insight tools along with automated savings features that make financial management easier.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>How do money saving apps work?<\/h3>\n<p>Money saving apps help you take control of your income and expenses by providing an overview of your financial picture along with tools to help you improve it.<\/p>\n<h3>Are there any money saving apps that offer automatic savings features?<\/h3>\n<p>Yes, Acorns and Qapital offer a round-up feature, so spare change under $1 can be deposited into a savings account automatically with every purchase. Monarch allows you to build rules so you can manually set up transfers based on spending patterns.<\/p>\n<h3>Are there any money saving apps that offer rewards for saving money?<\/h3>\n<p>Yes, Acorns offers a one-time reward of $10 when you start saving or investing.<\/p>\n<h3>Are there any money saving apps that offer discounts on purchases?<\/h3>\n<p>Acorns allows you to earn rewards when you shop with over 300 participating brands. Ratuken is another app with rewards. You can earn cash back by shopping at over 3,500 partners across the Ratuken marketplace.<\/p>\n<h3>What are some good Android apps for saving money?<\/h3>\n<p>All the apps mentioned in this guide, YNAB, Acorns, Qapital, PocketGuard, Rocket Money, Rakuten, and Monarch, are available in the Play Store for Android users.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The best apps for money saving are designed to automate savings, track spending, and even reward good financial habits. If you\u2019re looking to round up spare change, earn cash back on purchases, or get insights into your budget, there\u2019s an app to fit your needs. With so many options available, choosing the right one can [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":168,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-167","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The 7 Best Money Saving Apps Reviewed for 2025 - TecnoArtesanos Tech Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.tecnoartesanos.com\/index.php\/2025\/02\/24\/the-7-best-money-saving-apps-reviewed-for-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The 7 Best Money Saving Apps Reviewed for 2025 - TecnoArtesanos Tech Blog\" \/>\n<meta property=\"og:description\" content=\"The best apps for money saving are designed to automate savings, track spending, and even reward good financial habits. 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