Despite the many ways we can save, a surprising number of American households are unprepared for an emergency. A 2016 Pew Charitable Trusts survey reveals that over half lack sufficient liquid savings to cover one month in case of lost income. In addition, bank rate’s 2014 findings indicate just 38% have enough reserves to handle a $1,000 medical bill or $500 car repair.

Are you trying to find ways to make more money or save more of your hard-earned cash? Well, if you’re looking for innovative solutions that help you do both from the comfort of your own home, look no further! With modern technology and advancements in mobile apps, there are dozens of ways to maximize your financial potential.

This blog post will explore some of the best apps to help you save and earn extra income online. We’ll discuss what each app offers, go over rewards systems, and offer discounts on services and products–all very useful resources that those looking for better financial freedom should take advantage of. So read on if you want some tips or feel curious- whatever brought you here, let’s dive into our picks for the top 10 money-saving apps today!

2023 is only a few years away – start planning for it now!

what your goals

Figure out your goals and how much money you’ll need to save to achieve them. For example, are you trying to save for a house deposit, retirement, or general rainy-day funds? Once you know your goal, you can determine how much money and time it will take to get there.

Download an app

Download one of the many apps designed to help you save money. They allow you to set up budgets, track your expenditure and alert you when you’re close to exceeding them. Apps like Mint, Wisely, and Acorns can help you keep on track with your saving goals.

These are some of the best money-saving apps:

1. Mint:

This incredibly popular app helps users create budgets and track spending. It’s free to use, easy to navigate, and gives users insights into their financial habits. The app also allows you to set up reminders for bills and create custom budget categories so you can see where your money is going each month.

Mint is a powerful money management tool to help you reach your financial goals with personalized insights and custom budgets. With this free budgeting app conveniently stored on your device, take control of finances more easily than ever! Plan ahead by tracking balances, expenses & bills all in one place. Create better spending habits while growing savings – get the No.1 personal finance and budgeting app now* for a fresh approach to managing money!

2. Acorns:

Acorns is a great money-saving app for those who want to start investing but need help knowing where to begin. First, it rounds up your purchases to the nearest dollar. Then, it invests the difference in a diversified portfolio of stocks and bonds. This app is perfect for those who want to get started on their journey toward financial freedom without worrying about complicated stock markets or trading fees.

Investing has always been challenging with Acorns, an app created by father-son duo Walter and Jeff Cruttenden in 2014. However, in just a few short years, the platform’s success is evident – over 8 million users have already jumped on board! The app helps you save easily by investing small amounts of your disposable funds into Exchange-Traded Funds to build tailored portfolios to fit individual needs. The app puts your little extra money into an investment account. Moreover, there are even more perks depending on your plan: access fee-free ATMs across thousands of locations and rewards at leading brands when shopping online or in-store!

3. Digit:

Digit is an automated savings app that links to checking accounts and helps users save money without thinking about it. It checks users’ spending patterns, sets aside a portion of their monthly income, and automatically transfers it into savings. It also offers a no-overdraft guarantee, meaning that if you don’t have enough funds to cover an expense, Digit will not transfer any money out of your savings.

With Digit, you can supercharge your savings and reach your financial goals without lifting a finger. The automated app does the hard work for you by analyzing bills and spending habits to find the money it can save on top of what’s already allocated in an FDIC-insured bank account. You can choose from suggested funds like emergency or travel while also creating custom plans that meet more specific needs, such as debt repayment initiatives. All you need is a linked bank account and watch your financial dreams come true!

4. Qapital:

This app is great for those who prefer a more active approach to saving and invest. It allows users to set up rules (or “goals”) so that when certain conditions are met, such as spending below a certain threshold or purchasing an item from a specific retailer, the app will transfer a predetermined amount of money into savings or investments.

With the Qapital app, you can automate your savings goals and make those dreams a reality. Link up any of your checking accounts – credit cards or PayPal account for added convenience. Create customized saving targets that range from small rewards like tech gadgets to bigger ambitions such as a dream vacation! Stay on track with automated rules set specifically around each target; Achieve more while spending less – all in one simple solution powered by Qapital.

5. Trim:

Trim is an app that helps users save cash on subscriptions, bills, and debt payments. It monitors users’ finances in real-time and looks for opportunities to reduce spending or consolidate debts at lower interest rates so that they can save more each month. Trim also offers bill negotiation and cancellation services, which can help you eliminate any unnecessary subscriptions or bills.

Looking to save money and manage your finances? Trim can help you get there! This secure online service provides helpful features that make budgeting easier than ever. Automate your savings, eliminate unwanted expenses, and pay off debt with an organized payoff plan – the possibilities are endless when utilizing this powerful tool. Plus, Trim offers encryption technology similar to banks, along with two-factor authentication for additional security measures, so you never have to worry about the safety of connecting it to your bank account. So take control over managing personal finance today – join millions already taking advantage of their Trim experience!

6. Ibotta:

Ibotta is a great app for those who grocery shop regularly, allowing users to save on their purchases with cash-back offers and discounts. All you have to do is link the app to your loyalty cards and shop as usual. Then, when you’re done, simply scan the receipt and collect your rebate!

This free cash-back app makes it easy to save and earn rewards. Sign up, download the mobile device app, and take a look at all of their 300-plus retailers that offer store-specific deals. Find an offer you like. Simply add it to your clipped offers list by clicking ‘Plus.’ Each clipping reveals more details such as product exclusions, redemption frequency options, and bonus qualifications – along with the expiration date & time, so be sure to use them before they expire!

7. Drop:

Drop is a rewards-based app that allows users to earn points on their everyday purchases. All they have to do is connect the app to their debit or credit card and start shopping at certain retailers that offer rewards. Points can be redeemed for gift cards, discounts, and other rewards.

Turn your everyday shopping into an exciting adventure with Drop! Link your card and get ready for the rewards – Shop at any of their favorite stores to receive points, cash back, and amazing discounts. Plus, save even more by redeeming gift cards! It’s a triple win: Earn points while saving money that can be used towards awesome gifts when you need 

8. Honey:

Honey is a browser extension that helps users save money on online purchases. It scans the internet for coupon codes and applies them to your purchase at checkout, so you don’t have to look for them manually. It also offers additional discounts on items often discounted online, such as Apple products and hotel bookings.

Don’t miss out on savings when you shop online – use Honey! This free browser extension helps users find and apply coupon codes automatically, saving them time & money. Plus, it features amazing deals from its network of partner retailers, such as discounts on Apple products and hotel bookings. So enjoy your shopping spree with the added bonus of extra savings when you use Honey!

9. Mvelopes:

This app is perfect for those who need help controlling their spending habits. It allows users to set up “envelopes” or budgets for each category of expenses, such as food, entertainment, and bills. Then, whenever they spend money, they transfer it out of the corresponding envelope and into savings. This helps users track their spending and stick to their budget.

Update: Mvelopes was sunset on December 29, 2022.

10. Pocketguard:

Pocketguard is an intuitive app that can help users see the big picture regarding their finances. It offers a comprehensive overview of your total income and expenses, keeps track of your bills, and categorizes your spending into different buckets. It also helps you create budgets and set financial goals to stay on top of your money management.

PocketGuard simplifies budgeting and helps users achieve their financial goals. The app serves as a one-stop shop to manage to spend, set savings goals and track progress along the way. Plus, members can export all transactions directly into Microsoft Excel for an even deeper dive into how money is spent or saved each month! To ensure you’re always getting the best deal available, PocketGuard provides personalized offers with lower rates on common bills such as cable/cell phone services – plus tracks subscription services, so nothing falls through the cracks of your budget plan.

11. YNAB:

YNAB (short for “You Need a Budget”) is an app that helps users set up and manage their budgets. It focuses on the importance of goal setting and helping users track their expenses and income to stay on top of their finances. YNAB also offers helpful tips and advice to make informed financial decisions.

YNAB puts you in the driver’s seat when it comes to budgeting. Users can take charge of their finances with its customizable categories and proactive approach. While linking a bank account streamlines importing transactions into YNAB, manual entry is another option – although it may require more time investment on your part.

12. Prism:

Prism is a great app for those who need help keeping track of their bills. It connects to all your accounts in one place, so you can easily pay them on time and avoid late fees. It also allows you to set up automatic payments, making it even easier to stay on top of your finances. Plus, if there’s an issue with any of your bills, Prism will alert you and help you find a solution.

Prism revolutionized its bill pay interface in 2021! When new bills arrive at your doorstep, you’re presented with a simplified and intuitive three-part screen. On the top row, you can select how much to pay towards your bill – the entire balance or just enough for the minimum payment. But, of course, it’s always better for finances (and peace of mind!) if you make it a habit to clear all outstanding balances due on any given statement.

Moving along further down into the second row allows users to pick which method they’d opt out of using, as some vendors charge an extra fee. Yet, Prism will have come up with handy warnings beforehand so no one ends up spending more than what should actually go out of pocket. Finally, settling matters is selecting via the date range option present in the last area about by when we must tend our dues now 🙂

13. Wally:

Wally is a personal finance app that helps users understand their expenses and income more clearly. It offers insights into where your money is going and how much you’re spending on certain categories. It also helps you create budgets to stay on track with your finances. You can also set up reminders for upcoming bills so you’ll never miss a payment again.

With Wally, you can keep close track of expenses – including recording receipts – without having to share your banking data. That makes it the perfect budgeting app for those who want a more hands-on approach or aren’t comfortable with sharing their financials online!

14. Albert:

Albert is an app that provides users with tailored financial advice. It considers your income, savings, and spending habits to provide personalized budgeting tips and investment strategies. Albert also offers a variety of helpful features, such as automated deposits and bill reminders, so you can ensure you’re staying on top of your finances.

Albert is more than just a financial monitoring tool. It’s an all-inclusive money companion! With Albert, you don’t have to worry about managing your finances – the app does it for you. Automatically save based on what fits into your budget and enjoy cash advances instead of waiting until payday. Plus, with options like investment portfolios, insurance discounts, and even human advice at your fingertips, this little powerhouse will ensure that you are taken care of and every penny is in sight!

15. Chime:

Chime is a banking app that helps users save money without thinking about it. It offers an automatic savings tool, which rounds up your purchases and transfers the difference into savings or investment accounts. Plus, it also provides insights into your spending habits so you can make more informed decisions about managing your money.

Chime® provides the perfect solution to manage your finances. With one checking account, savings account, and secured credit card all integrated within an attractive mobile app experience, selecting a financial institution that meets your needs is no longer overwhelming – it’s easy! Plus, you can rest assured knowing Chime banking services are provided by The Bancorp Bank or Stride BanK – both Members of FDIC.

16. Qoins:

Qoins is an app that helps users pay off their debts faster. It collects your spare change and automatically applies it towards the payment of your debt, helping you save cash. You can also set up customized reminders to stay on top of any upcoming payments.

Qoins takes the hassle out of saving. This helpful app tool makes smart financial decisions on your behalf- automatically setting aside funds to save and pay off debt while you just go about living life! It’s perfect for those feeling overwhelmed by their obligations, as it ends stagnant savings accounts: paying down what is owed quickly with minimal effort and lower interest rates.

Tips to help you manage your financials:

Create a budget

Creating a budget is one of the best ways to save money. It will give you an understanding of where your money is going and help you decide what you can afford to save each month. You can create a budget manually or use an app like PocketGuard or Spending Tracker, which will do the work for you.

Automate your savings

You can set up an automatic transfer from your checking account to your savings account so that money is saved without you having to think about it. This helps you to save money without having to consciously make an effort.

Look for discounts and deals.

Take advantage of the discounts and deals available through some of the best apps for saving money, such as Ibotta, Groupon, and RetailMeNot. These will help you get the most out of your money when shopping online or in-store.

Save some money

Automatically transfer a fixed amount of money from your checking account to your savings account every month. This is a great way to save without having to think about it. You can also set aside money for specific purposes, such as vacations or investments, this will help you stay focused on your goals and not be tempted to spend the money elsewhere.

Pay off debts

Reducing debt is another great way to save money in the long run. Paying off your debts will help free up money for other expenses or savings. You can use apps like Albert to track and manage your debt payments.

Invest wisely

Investing can be a great way to make the most of your money, but it is important to do so with caution. Consider using an app like Acorns which helps you to easily and safely invest your money with minimal risk.

Cut expenses

Cut back on unnecessary expenses, like eating out or buying new clothes. This will free up some extra money that you can put toward your savings. Consider using an app like Clarity Money which helps you to track and manage your spending.

Be patient and stay motivated –

It may take a while to reach your goal, but it’s worth it in the end! Stay patient, and don’t get discouraged if you have a bad month or can’t save as much as you would like. To stay motivated, set small goals for yourself and reward yourself when you reach them. This will help keep you on track and ensure that you are making progress toward your ultimate goal.

Reward yourself

Saving money is hard, so it is important to reward yourself when you reach your goals. You can use the extra money to treat yourself or even put it towards something special like a vacation or an investment.

To recap

Overall, there are many ways to save money using apps. Whether it’s budgeting, automating savings or taking advantage of discounts, you can use these tools to get the most out of your hard-earned cash. With a little effort and planning, you can create a plan that will help you reach your financial goals.

Good luck!