💡 Want to save money without doing much work?
In today’s fast-paced world, saving doesn’t mean clipping coupons or writing every dollar down. The right money saving apps can help you automate, track, and optimize your spending effortlessly.
Whether you want to earn cashback, cut unwanted subscriptions, or stash spare change, this list has you covered.
🔹 1. Rakuten – Cash Back on Online Shopping
What It Does:
Gives you cashback when you shop at over 3,500 stores like Walmart, Target, and Amazon.
Why It’s Smart:
Install the browser extension, and it alerts you when cashback is available.
🤑 Earn up to 10% cashback or more during sales.
Bonus: Get a $10 sign-up bonus after your first purchase.
🔹 2. Ibotta – Grocery and Everyday Cash Back
What It Does:
Scan receipts from grocery stores, pharmacies, and even restaurants to earn cashback.
Best For:
Busy families, frequent shoppers, or anyone who shops in-store.
Bonus: Earn a $5–$10 welcome bonus after uploading your first receipt.
🔹 3. Acorns – Save & Invest Spare Change Automatically
What It Does:
Rounds up your purchases and invests the spare change into a diversified portfolio.
Why It’s Smart:
You save and grow your money passively.
Bonus: Get a $5 bonus when you sign up.
🔹 4. Honey – Automatic Coupon Finder
What It Does:
When you check out online, Honey automatically finds and applies the best available coupons.
Why It’s Smart:
It saves you money without lifting a finger.
🔹 5. Capital One Shopping – Price Comparison Tool
What It Does:
Compares prices across sites to make sure you’re getting the best deal.
Extra Perk:
Earn credits for gift cards when you shop through the tool.
🔹 6. Rocket Money (formerly Truebill) – Cancel Unused Subscriptions
What It Does:
Tracks your subscriptions and offers to cancel ones you’re not using.
Why It’s Smart:
Most users save $100+ in their first month just by removing forgotten subscriptions.
🔹 7. Qapital – Rule-Based Automatic Savings
What It Does:
Save money based on rules you create. Example: “Save $1 every time I don’t eat out.”
Why It’s Smart:
Customizable savings automation + gamifies saving.
🔹 8. Chime – Digital Banking with Auto-Savings
What It Does:
Rounding up purchases + auto-transfer features to help build savings.
Best For:
Anyone looking for a simple, fee-free banking app that builds savings in the background.
🔹 9. Fetch Rewards – Turn Receipts into Gift Cards
What It Does:
Snap pictures of your receipts from any store and earn points for gift cards.
Why It’s Smart:
Takes 10 seconds and works with all receipts — not just groceries.
Bonus: Use referral code to get bonus points.
🔹 10. Digit – AI-Powered Savings Assistant
What It Does:
Analyzes your spending and automatically saves small amounts you won’t miss.
Why It’s Smart:
You don’t feel the pinch — but your savings grow steadily.
🧾 Money Saving Apps Comparison Table
| App | Best For | Platform | Bonus |
|---|---|---|---|
| Rakuten | Online shopping cashback | iOS, Android, Web | $10 bonus |
| Ibotta | Grocery + retail cashback | iOS, Android | $10 bonus |
| Acorns | Passive investing | iOS, Android | $5 bonus |
| Honey | Coupon savings | Browser | — |
| Capital One Shopping | Price comparison | Browser | Gift card credits |
| Rocket Money | Cancel subscriptions | iOS, Android | — |
| Qapital | Rule-based saving | iOS, Android | — |
| Chime | Round-up savings | iOS, Android | — |
| Fetch Rewards | Receipt rewards | iOS, Android | Gift card points |
| Digit | AI savings automation | iOS, Android | — |
✅ Final Thoughts: Small Money Saving Apps, Big Impact
You don’t have to overhaul your entire financial life to save money. Just using 2–3 of these money saving apps regularly could lead to hundreds or even thousands in savings each year — automatically.
🎁 BONUS FREEBIE:
Download our Top 5 Money Saving Apps Checklist to track your sign-ups, bonus earnings, and savings from each tool!
