Best PayDay Alternatives in 2026
Updated
16 tools from automated savings apps ranked against PayDay on the same published basis.
- 1PayDay vs Guac
- 2PayDay vs Plum
- 3PayDay vs Betterment
- 4PayDay vs Chip
- 5PayDay vs finbee
- 6PayDay vs SavingsBox
- 7PayDay vs Spave
- 8PayDay vs Piggo
- 9PayDay vs PiggyVest
- 10PayDay vs Goin
- 11PayDay vs Tunzi
- 12PayDay vs Albert
- 14PayDay vs Amini
- 15PayDay vs Nebo
- 16PayDay vs Qapital
- 17PayDay vs Raiz
PayDay alternatives compared
| # | Tool | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | Guac | 7.7 | Free plan | Free | Android, iOS, Web |
| 2 | Plum | 7.5 | Free plan | €3.99/mo | Android, iOS |
| 3 | Betterment | 7.4 | Free plan | $0.05/mo | Android, iOS, Web |
| 4 | Chip | 7.4 | Free plan | £5.99/mo | Android, iOS |
| 5 | finbee | 7.3 | Free plan | ¥250/mo | Android, iOS |
| 6 | SavingsBox | 7.3 | Free plan | $4.99/mo | Android, iOS, Web |
| 7 | Spave | 7.3 | Free plan | Free | Android, iOS |
| 8 | Piggo | 7.2 | Free plan | Free | Android, iOS, Web |
| 9 | PiggyVest | 7.2 | Free plan | Free | Android, iOS, Web |
| 10 | Goin | 7.1 | Free plan | €1.33/mo | Android, Browser, iOS |
| 11 | Tunzi | 7.1 | Free plan | Free | Android, iOS, Web |
| 12 | Albert | 7.0 | No | $19.99/mo | Android, iOS, Web |
| 14 | Amini | 6.9 | Free plan | Free | Android, iOS |
| 15 | Nebo | 6.9 | Free plan | Free | Android, API, iOS |
| 16 | Qapital | 6.9 | No | $3/mo | Android, iOS |
| 17 | Raiz | 6.7 | No | A$2.50/mo | Android, iOS, Web |
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Questions about PayDay alternatives
What is the best alternative to PayDay?
Guac, number 1 in automated savings apps with a score of 7.7 out of 10. The others here: Plum, Betterment, Chip and 12 more.
What is the best free alternative to PayDay?
Guac is the best-ranked alternative with a free plan. 13 of the 16 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked on what each maker publishes, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing.