In a world where expenses can easily spiral out of control, automating your savings has never been more important — or easier. With the right apps, you can grow your savings passively without having to think about it. Whether you’re on a tight budget or just looking to improve your financial habits, these money-saving apps can help you stay on track.
This guide covers the best automatic saving apps in 2025, how they work, and how to get started — all in a mobile-friendly, easy-to-follow format.
Why Use Apps That Automate Saving?
Saving manually is hard. Life gets busy, and it’s easy to forget to move money into your savings account. Automatic saving apps help you:
- Save without thinking
- Build an emergency fund
- Invest small amounts over time
- Avoid lifestyle inflation
With just a few taps, these apps help make saving a daily habit — or even a background process.
Best Automatic Saving Apps in 2025
Here are the top-rated and most effective money-saving apps for both iOS and Android users.
1. Digit (Now part of Oportun)
Best for: Hands-off saving
Digit analyzes your spending habits and automatically moves small amounts into your savings account when it detects that you can afford it.
- Tracks spending trends
- FDIC-insured savings
- Automatically adjusts savings based on your cash flow
2. Acorns
Best for: Micro-investing spare change
Acorns rounds up your purchases to the nearest dollar and invests the difference. It’s a great way to start investing without thinking about it.
- Offers both saving and investing features
- Round-ups can be automated
- Includes a retirement savings option
3. Qapital
Best for: Goal-based savings
Qapital lets you set goals (e.g., vacation, emergency fund) and save towards them with creative rules — like saving $5 every time you buy coffee.
- Connects with your bank account
- Visual goal trackers
- Customizable saving rules
4. Chime
Best for: Rounding up and early pay
Chime is a banking app that includes an automatic savings feature. When you make a purchase, it rounds up and saves the difference.
- Offers high-yield savings
- No monthly fees
- Early paycheck deposit features
5. Empower
Best for: Budgeting + Saving
Empower not only automates savings but also helps you stay on budget by analyzing income and expenses.
- Automatic savings tools
- Personalized savings suggestions
- Expense tracking included
How Do These Apps Work?
Most automatic saving apps work by connecting to your checking account, analyzing your spending habits, and transferring small
