Top 15 Money Saving Apps To Save Your Bucks In 2026

• Goals option to help you save money
• Zero fees on card usage abroad
• Transfer money to over 38 countries from the bank account
• Option to lock your card in case you lose it

Awarded on multiple occasions and changing the way people manage their money, Starling Bank is one of the best money saving apps that takes care of your banking. The savings app provides spending insights in a clear and precise way to help you understand where you’ve spent your money and how you can save it. Users get instant notifications of their payments with a real-time balance. In case you are abroad and using your card, the app charges no additional fee.

• 24/7 access to its services
  
• Fast overdraft approvals
  
• No paperwork or collateral
  
• Locate ATMs from the app itself

This cash advance app takes pride in providing advances up to $200, that too, without charging any fee on this overdraft. You can also leverage Chime to build a good credit score by using its VISA card or credit services. Chime comes with interesting offers such as no minimum balance required, no overdraft fees, and no monthly fees either. For a financial backup and your emergency needs, Chime is indeed a reliable option existing today.

• Pay via Ibotta gift cards offline or online to earn cashback
  
• Instant cashback is provided
  
• Explore money-saving offers for your shopping lists
  
• Supports many merchants including Walmart, DoorDash, Uber, and more

One of the top groceries apps, Ibotta rewards you with cashback on each purchase. Be it essentials or groceries, you are eligible for rewards on each and every purchase that you make. You do not need any coupons or codes for the app to work for you. The only thing you need to do is to pay via Ibotta gift cards and you get assured cashback on every purchase with Ibotta, the best cashback payment app.

• Invest in ETFs to secure your future
  
• Bank smartly using a heavy metal debit card and a checking account
  
• Shop on over 15,000 brands and receive bonus investments
  
• Invest in over 100+ US-based companies

The next recommendation we have in this list is Acorns, an app that is also popular as one of the top investment apps. Acorns fintech app comes with smart banking and investment assistance that motivates you to invest smarter.

It allows you to earn rewards when you shop from this app. Its ‘round-up’ feature helps beginners by automatically investing the spare change from everyday transactions. Acorns also provides a Visa Debit card and banking services to its users which is backed by Lincoln Savings Bank or NBKC Bank.

There are ETF portfolios in Acorns to invest in. These portfolios can be helpful if you want to build a financially safer future and make the best out of your investments.Acorns experts also offer investment-related assistance to help you personalize your portfolio making one of the best investment apps. You can also read educational blogs and articles to boost your understanding of financial management and investment.

You can enjoy all of Acorns' exceptional capabilities by paying a nominal monthly fee. The Acorns app provides an approachable platform and a straightforward approach toward investment. It is thus considered the best choice for beginners who wish to build their portfolio with minimal investments and effort gradually.

The Acorns app has 3 subscription plans: Acorns Personal ($3/month), Acorns Personal Plus ($5/month), and Acorns Premium ($9/mo). All these subscriptions have their own unique features and facilities.

• Add financial partners and manage money together
  
• Target goals and save for them as you like
  
• Keep an eye on your wealth using statistics
  
• The app comes with award-winning support as well

Next name in this list of fintech products, YNAB has been downloaded millions of times and has thousands of positive reviews on app stores like the Google Play Store and Apple App Store. The app offers interesting budgeting and finance features that let people make the best of their money.

Using YNAB, you can set targets and invest in segments to achieve them. Additionally, the app also lets you invite finance partners so you can plan your finances and save together.

YNAB's primary function is to help users allocate their income to various spending categories, ensuring they are aware of where every dollar is going. This approach not only assists in tracking daily expenditures but also in planning for future expenses, such as bills, savings goals, or debt payments.

The app emphasizes the importance of assigning money to savings and investments, fostering a savings mindset. Along with  its powerful budgeting tools, YNAB is known for its extensive educational resources. The app offers access to a wide range of personal finance education materials, including articles, videos, and free, live workshops, which are particularly beneficial for those new to budgeting.

YNAB stands out for its effective budgeting philosophy, user-friendly interface, and commitment to financial education. It makes it a valuable tool for anyone looking to gain better control over their finances.

• Users will get significant interest on their accounts
  
• The app offers Weekly Insights
  
• Features such as automatic bill payments and purchase notifications

Handling your finances can be a tricky task, but we have the right mobile banking app to handle your money in an efficient manner. The app allows you to 'save smartly, spend happily, and invest comfortably,' and who doesn't want that? Qapital has over 8,000 five-star reviews, making it a suitable fit for those looking to improve their finances in 2024.

Qapital is changing the way we look at personal finance management. This one of the best New Year resolution apps combines behavioral science with smart technology to help over 2 million people. Qapital app is made to help you reach your financial goals effortlessly, that too without altering your lifestyle. It's equally effective for individuals and couples, making financial planning a shared and enjoyable journey.

Qapital also comes with a Payday Divvy feature that automatically divides your paycheck between short- and long-term goals, bills, and discretionary spending. This ensures you're always prepared for unexpected expenses. The app also focuses on building lasting money habits by adjusting your spending weekly while saving towards your new year goals, leveraging your existing habits for better financial health.

The app offers an FDIC-insured checking account with no hidden fees, a Visa® debit card compatible with Apple Pay & Google Pay, and features like direct deposit with early paycheck access and bill pay. Its smart money manager provides insights into your spending habits, helping you identify savings opportunities.

• Get coupon availability notifications when you enter the store
• Scan coupons from anywhere
• Latest coupons
• Expiry date alerts

Featuring amongst the top money saving apps, Snip Snap is one of those best apps for saving money with which you can create a coupon out of any receipt or paper where you find any offer. All you need is your phone camera and you can easily turn any offer on paper that you see into a digital coupon.

• Cash rewards
• Available at all major supermarts
• Easy redeem process

The CheckoutSmart app is one of the most efficient and best money saving apps for claiming cashback while shopping. This money saving app basically provides the users with a daily list of products that have an active cashback offer on them. The different symbols used at CheckoutSmart indicate various major supermarkets to avail that offer.

As a user, you only need to purchase the products that are mentioned in the daily list of the app and click a picture of the receipt once the order is purchased. After submitting the receipt photo, the user will get a credit cashback which can be directly transferred to the user's PayPal or bank account.

• Free for one month
• Easy access and adjust of budget
• Educational ebooks and videos in the app
• Real-time synchronization

How can you save money in the most basic way? Simple, by knowing your average expenses and then planning out a budget that's ahead of them. But not everyone is a fan of planning and scheduling, and that's why there is an app that does the same for you.

Mvelopes app performs all the budget planning for users by including different sub-categories like monthly rent, bills, groceries and much more. All this makes Mvelopes one of the best money saving apps.

But in case your estimated budget finishes then the user has the option to either transfer the extra amount into the account or wait until next month starts to credit the monthly budget.

• Apply coupons and rewards
  
• Allows users to set price alerts
  
• Products from different branded stores
  
• Offers luxury goods and everyday wear

Honey, stands out as a popular choice for women's clothes. It simplifies the online shopping experience by automatically applying the best promo codes at checkout. The app guarantees that customers receive the best deals. Honey is more than just a shopping app; it also has a loyalty program called Honey Gold. This program can be used for purchases and gift cards.

Users can utilize its price tracking tool to keep track of things and receive alerts when prices fall. The app works with a wide range of fashion merchants from across the globe. It is a handy tool for saving on everything from casual clothes to premium names. Its user-friendly UI makes saving money simple and pleasurable. Honey is an indispensable app for savvy female consumers trying to stretch their budgets further.