Qapital
qapital.com
What it is
Qapital combines automated saving, investing, budgeting, and debt management in Android and iOS apps. Users create personalized savings goals, monitor progress, and select from more than 15 automatic saving methods. Investment recommendations use a target amount, timeline, and risk level, with automatic contributions available. Budgeting tools divide paycheck portions among expenses, savings, investments, and spending; settings can be changed or deposits paused. Dream Team lets partners share goals and choose whether to share balances and transaction histories. Plaid links external bank accounts and credit cards. Plans are Basic at $3 a month, Complete at $8 a month, and Premier at $12 a month, all billed monthly. A 30-day trial costs $0, after which Qapital deducts the membership fee when a bank account is connected. Security features include SSL/TLS encryption, multi-factor authentication, vulnerability scans, and passcode or fingerprint access.
Spec sheet
- Product
- Qapital combines automated saving, investing, budgeting, and debt management tools in one place.Read 5 Oct 2026 · qapital.com
- Security
- Qapital says it uses SSL and TLS encryption, multi-factor authentication, regular server vulnerability scans, and identity protections including passcode and fingerprint access.Read 5 Oct 2026 · qapital.com
- Support
- Qapital lists [email protected] for security questions and says Complete’s annual plan includes faster access to live agents and priority support.Read 5 Oct 2026 · qapital.com
- Headquarters
- New York, NY, United StatesRead 28 Sep 2026 · qapital.com
- Founded
- 2013Read 28 Sep 2026 · qapital.com
- Account integration
- Qapital uses Plaid to link external financial accounts, including bank accounts and credit cards.Read 5 Oct 2026 · help.qapital.com
- Audience and origin
- Qapital describes itself as a remote-first company with roots in Stockholm and New York and says it was founded in 2013.Read 5 Oct 2026 · qapital.com
- Budgeting
- Users can split portions of their paycheck among expenses, savings, investments, and spending, and can adjust settings or pause deposits.Read 5 Oct 2026 · qapital.com
- Deposit coverage
- Funds held at Qapital’s member-FDIC partner banks are insured up to $250,000 under federal regulations.Read 5 Oct 2026 · qapital.com
- Financial providers
- Qapital Save and Spend accounts and its debit card are provided or issued by Lincoln Savings Bank, while investment advisory services are provided by Qapital Invest, LLC.Read 5 Oct 2026 · qapital.com
- Investing
- Qapital recommends an investment plan based on a user’s target amount, timeline, and risk level, with options to add money automatically.Read 5 Oct 2026 · qapital.com
- Saving
- Users can create personalized savings goals, track progress, and choose from more than 15 automatic saving methods.Read 5 Oct 2026 · qapital.com
- Security examination
- Qapital says it has successfully completed an independent SOC 2 Type I examination.Read 5 Oct 2026 · qapital.com
- Shared finances
- Dream Team lets partners share goals and choose whether to share balances and transaction histories.Read 5 Oct 2026 · qapital.com
- Trial and billing
- The 30-day trial costs $0; Qapital says it deducts a monthly membership fee after the trial ends and a bank account is connected.Read 5 Oct 2026 · qapital.com
Plans and prices
Basic $3 a month monthly Unlimited personalized savings goals · automated savings rules · shared goals with a partner Read 5 Oct 2026 · qapital.com
Complete $8 a month monthly Basic benefits · investment portfolios · Visa debit card · personalized insights · VIP customer support Read 5 Oct 2026 · qapital.com
Premier $12 a month monthly Basic and Complete benefits · additional investment portfolios tailored to goals Read 5 Oct 2026 · qapital.com
Strong points and limits
Strong points
- More than 15 automatic saving methods
- Investment plans based on goals and risk
- Shared goals through Dream Team
- Plaid account connections
- 30-day trial costs $0
Limits
- No free plan
- Monthly membership fee after trial
- Withdrawal method is manual
- Investment and card benefits vary by plan
Who it suits
It suits mobile users who want savings goals, automated transfers, investing, budgeting, or shared finances in one service. Partners can use shared goals, while plan choice determines investment and support features.
Verdict
Qapital brings saving, investing, budgeting, and shared goals into one mobile service with three monthly plans. Review the post-trial billing and plan-specific investment, card, and support features before choosing.
Where Specifiction places it
- Savings Apps#7 of 137.7
- Automated Savings Apps#14 of 187.7
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