Saving money can be tough, especially if you spend before you save. The good news? Automatic saving apps make it easy to put money aside without thinking. Here are 5 of the best apps to save money automatically in 2025.
1. Chime
Best for: Beginners who want simple automated savings
Chime’s Automatic Savings feature rounds up every transaction to the nearest dollar and moves the difference into a savings account. You can also set up percentage-based automatic transfers from your checking account.
✅ Features:
- Round-up savings
- Automatic transfers
- Fee-free accounts
2. Qapital
Best for: Saving for goals and challenges
Qapital allows you to save using rules, like “Round-Up”, “Spend Less”, or even gamified savings challenges. Great for beginners who like a structured approach.
✅ Features:
- Round-up & goal-based savings
- Customizable rules
- Integrates with bank accounts
3. Digit
Best for: Stress-free automated savings
Digit analyzes your spending patterns and automatically saves small amounts that won’t affect your budget.
✅ Features:
- Automatic micro-savings
- FDIC-insured accounts
- Helps pay off debt or save for emergencies
4. Acorns
Best for: Investing spare change
Acorns rounds up your everyday purchases and invests the spare change in a diversified portfolio. Perfect for beginner investors who also want to save.
✅ Features:
- Round-up investments
- Automatic recurring contributions
- Beginner-friendly micro-investing
5. Simple (Now part of BBVA)
Best for: Budgeting + savings in one app
Simple combines checking and automatic savings goals. You can set aside money for goals like trips, bills, or emergency funds.
✅ Features:
- Automatic goal-based savings
- Visual progress tracking
- Fee-free accounts
Quick Comparison Table
| App | Best For | Automation Type | Fees |
|---|---|---|---|
| Chime | Beginners | Round-up & % transfer | $0 |
| Qapital | Goals & challenges | Rules-based | $3–$12/mo |
| Digit | Stress-free savings | AI micro-savings | $5/mo |
| Acorns | Investing spare change | Round-up + investing | $3–$12/mo |
| Simple | Budgeting + savings | Goal-based | $0 |
Final Thoughts
- Best for beginners: Chime (easy and free)
- Best for goals: Qapital
- Best for investing while saving: Acorns
- Best for stress-free saving: Digit
