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SPECIFICTION
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Spave

spave.io

Free plan iOSAndroid
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Spec score 7.3 #17 of 18 in Automated Savings Apps

What it is

Spave is a mobile app that automatically directs small amounts toward savings goals and causes as users spend. Contributions can use transaction round-ups, a percentage of spending, or a fixed weekly amount, with users setting weekly minimums and maximums. The app tracks goals and impact in near real time, and Spave says its network includes more than 1.5 million accredited nonprofits. The Live Give Save Foundation says 90% of each donation is reserved for nonprofit grants; the other 10% supports charitable administration, technology operations, and platform services. Spave uses Plaid to link bank accounts and gather transaction and balance data, and Dwolla for identity verification and money movement. It says stored data is encrypted, bank credentials are not stored, and access to personal information is limited to authorized employees and contractors. The app is available on Android and iOS. Spave says its app features currently have no access fee. Its terms say a free trial of paid subscription features may be available, but do not specify the duration.

Spec sheet

Purpose
Spave automatically helps users save and give as they spend.Read 7 Oct 2026 · spave.io
Platforms
Spave says its app is available for iOS and Android devices.Read 7 Oct 2026 · spave.io
Integrations
Spave uses Plaid to link bank accounts and gather transaction and balance data, and Dwolla for identity verification and money movement.Read 7 Oct 2026 · spave.io
Security
Spave says stored data is encrypted, bank credentials are not stored, and access to personal information is limited to authorized employees and contractors.Read 7 Oct 2026 · spave.io
Compliance
The Live Give Save Foundation identifies itself as a tax-exempt organization under Section 501(c)(3), with contributions deductible as allowed by law.Read 7 Oct 2026 · spave.io
Support
Spave directs users with questions to [email protected] and offers support through the app.Read 7 Oct 2026 · spave.io
Headquarters
Red Wing, Minnesota, United StatesRead 28 Sep 2026 · spave.io
Charity network
Spave says its network includes more than 1.5 million accredited nonprofits.Read 7 Oct 2026 · spave.io
Contribution options
Spavings can be calculated using round-ups, a percentage, or a weekly fixed amount, with weekly minimums and maximums set by the user.Read 7 Oct 2026 · spave.io
Donation allocation
The Live Give Save Foundation says 90% of each donation is reserved for nonprofit grants and 10% supports charitable administration, technology operations, and platform services.Read 7 Oct 2026 · spave.io
Free access
Spave says there is currently no fee to access its app features.Read 7 Oct 2026 · spave.io
Giving
Users can support causes through automatic contributions without checks or paperwork.Read 7 Oct 2026 · spave.io
Goal tracking
Spave provides near real-time tracking of users’ goals and impact.Read 7 Oct 2026 · spave.io
Saving
Users can direct small amounts toward savings goals when they spend.Read 7 Oct 2026 · spave.io
Trial terms
Spave’s terms say users may have access to a free trial of paid subscription features, but do not state the trial duration.Read 7 Oct 2026 · spave.io

Plans and prices

Free Free Automatic saving and giving · linked checking account · savings goals · donations to causes Read 7 Oct 2026 · spave.io

Every Spave plan and price →

Strong points and limits

Strong points

  • Contributions can use round-ups, percentages, or weekly fixed amounts.
  • Users set weekly contribution minimums and maximums.
  • Goal and impact tracking is near real time.
  • Spave says stored data is encrypted and bank credentials are not stored.

Limits

  • Account linking uses Plaid for transaction and balance data.
  • The foundation allocates 10% of each donation to administration and platform costs.

Who it suits

Spave suits people who want to direct spending-linked contributions toward savings goals, causes, or both. It is available on Android and iOS and supports round-ups, percentage-based contributions, and weekly fixed amounts.

Verdict

Spave lays out its contribution options, account-linking services, and donation allocation. Its app features currently have no access fee, but the terms do not specify how long a trial of paid features lasts.

Where Specifiction places it

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