Best Automated Savings Apps in 2026
Updated
Putting money aside can be easier to structure when transfers, savings rules, or card roundups do some of the work. Compared on custom savings rules, scheduled transfers, and card roundups, these apps let you compare different automation options. Interest on savings, savings goal limits, and withdrawal methods add useful considerations for how you save and access funds. Plum, Betterment, and Chip are among the entries. Check supported platforms along with free-plan availability and paid-from pricing, then weigh those details against the controls and withdrawal options you want for your savings routine.
17ranked
14free plans on this page
$0.05/molowest paid tier
8 Oct 2026last checked
Input list Automated Savings Apps 17 channels on this page · 82 of 136 spec lines stated by the makers
Ch Tool Free planPaid fromCard roundupsScheduled transfersCustom savings rulesSavings goal limitInterest on savingsWithdrawal method Spec sheet Score
01 Guac Free planYesPaid fromCard roundupsNoScheduled transfersCustom savings rulesYesSavings goal limitInterest on savingsWithdrawal methodmanual 4/8spec lines stated 7.7
02 Plum Free planYesPaid fromCard roundupsYesScheduled transfersYesCustom savings rulesYesSavings goal limitInterest on savingsYesWithdrawal methodinstant 6/8spec lines stated 7.5
03 Betterment Free planYesPaid from$5/moCard roundupsScheduled transfersYesCustom savings rulesSavings goal limitInterest on savingsYesWithdrawal methodmanual 5/8spec lines stated 7.4
04 Chip Free planYesPaid fromCard roundupsScheduled transfersYesCustom savings rulesSavings goal limitInterest on savingsYesWithdrawal methodinstant 4/8spec lines stated 7.4
05 finbee Free planYesPaid fromCard roundupsYesScheduled transfersYesCustom savings rulesYesSavings goal limit20 goalsInterest on savingsYesWithdrawal methodmanual 7/8spec lines stated 7.3
06 SavingsBox Free planYesPaid from$4.99/moCard roundupsYesScheduled transfersYesCustom savings rulesSavings goal limitInterest on savingsNoWithdrawal methodmanual 6/8spec lines stated 7.3
07 Spave Free planYesPaid fromCard roundupsYesScheduled transfersYesCustom savings rulesYesSavings goal limitInterest on savingsWithdrawal method 4/8spec lines stated 7.3
08 Piggo Free planYesPaid fromCard roundupsNoScheduled transfersYesCustom savings rulesSavings goal limitInterest on savingsYesWithdrawal methodmanual 5/8spec lines stated 7.2
09 PiggyVest Free planYesPaid fromCard roundupsNoScheduled transfersYesCustom savings rulesYesSavings goal limitInterest on savingsYesWithdrawal methodscheduled 6/8spec lines stated 7.2
10 Goin Free planYesPaid fromCard roundupsYesScheduled transfersYesCustom savings rulesYesSavings goal limitInterest on savingsYesWithdrawal methodmanual 6/8spec lines stated 7.1
11 Tunzi Free planYesPaid fromCard roundupsNoScheduled transfersCustom savings rulesYesSavings goal limitInterest on savingsYesWithdrawal methodmanual 5/8spec lines stated 7.1
12 Albert Free planNoPaid fromCard roundupsScheduled transfersYesCustom savings rulesSavings goal limitInterest on savingsYesWithdrawal methodmanual 4/8spec lines stated 7.0
13 PayDay Free planYesPaid fromCard roundupsYesScheduled transfersCustom savings rulesYesSavings goal limitInterest on savingsWithdrawal method 3/8spec lines stated 7.0
14 Amini Free planYesPaid fromCard roundupsScheduled transfersYesCustom savings rulesSavings goal limitInterest on savingsYesWithdrawal method 3/8spec lines stated 6.9
15 Nebo Free planYesPaid fromCard roundupsYesScheduled transfersYesCustom savings rulesSavings goal limitInterest on savingsWithdrawal method 3/8spec lines stated 6.9
16 Qapital Free planNoPaid from$3/moCard roundupsYesScheduled transfersYesCustom savings rulesYesSavings goal limitInterest on savingsYesWithdrawal methodmanual 7/8spec lines stated 6.9
17 Raiz Free planNoPaid fromCard roundupsYesScheduled transfersYesCustom savings rulesSavings goal limitInterest on savingsWithdrawal methodmanual 4/8spec lines stated 6.7
Compare all 17 in a table
| # | Tool | Score | Free plan | From | Free plan | Paid from | Card roundups | Scheduled transfers |
|---|---|---|---|---|---|---|---|---|
| 1 | Guac | 7.7 | Free plan | Free | Yes | No | ||
| 2 | Plum | 7.5 | Free plan | €3.99/mo | Yes | Yes | Yes | |
| 3 | Betterment | 7.4 | Free plan | $0.05/mo | Yes | 5 /mo | Yes | |
| 4 | Chip | 7.4 | Free plan | £5.99/mo | Yes | Yes | ||
| 5 | finbee | 7.3 | Free plan | ¥250/mo | Yes | Yes | Yes | |
| 6 | SavingsBox | 7.3 | Free plan | $4.99/mo | Yes | 4.99 /mo | Yes | Yes |
| 7 | Spave | 7.3 | Free plan | Free | Yes | Yes | Yes | |
| 8 | Piggo | 7.2 | Free plan | Free | Yes | No | Yes | |
| 9 | PiggyVest | 7.2 | Free plan | Free | Yes | No | Yes | |
| 10 | Goin | 7.1 | Free plan | €1.33/mo | Yes | Yes | Yes | |
| 11 | Tunzi | 7.1 | Free plan | Free | Yes | No | ||
| 12 | Albert | 7.0 | No | $19.99/mo | No | Yes | ||
| 13 | PayDay | 7.0 | Free plan | Free | Yes | Yes | ||
| 14 | Amini | 6.9 | Free plan | Free | Yes | Yes | ||
| 15 | Nebo | 6.9 | Free plan | Free | Yes | Yes | Yes | |
| 16 | Qapital | 6.9 | No | $3/mo | No | 3 /mo | Yes | Yes |
| 17 | Raiz | 6.7 | No | A$2.50/mo | No | Yes | Yes |
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Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
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