Top 7 Savings Apps for iPhone Users in 2025

Most people suck at saving money. 

Not because they’re bad with money — it’s just boring. 

You plan to save… then you forget… and then rent hits. 

Game over.

That’s why I love savings apps. 

You set them up once, and they just do their thing in the background. 

Some round up your change, some stash a few bucks every time you get paid, some even make saving feel like a game.

This isn’t one of those lists with random budgeting apps slapped in. 

These are the ones that actually help you save — like actually save, not just “track your money” and hope for the best.

Let’s get into it.

1. Qapital – Best for Rule-Based Saving

Pros:

• Easy to set up automatic savings rules
• Makes saving feel like a game
• Great for goal-based saving (vacation, emergency fund, etc.)

Cons:

• Monthly fee after free trial
• No support for joint accounts with multiple banks

Price: $3/month.

If you’re the kind of person who needs saving money to be a little fun, Qapital’s gonna feel like a cheat code. 

It’s built around rules — like, save $5 every time you buy Starbucks, or round up every purchase to the next dollar and dump the extra into savings. 

You can even set random ones like “save $10 every Friday.”

It sounds small, but it adds up fast.

You just connect your bank, set a goal (like a new iPhone or a vacation fund), and let the app handle the rest. 

The best part? You don’t really notice the money leaving. 

It’s sneaky in a good way.

There’s also a feature where you can save with someone else, like your partner or roommate, and both of you contribute toward the same goal. 

That’s super helpful if you’re planning something together, like a trip or splitting rent.

Now, it’s not free. 

There’s a subscription (starts at around $3/month), but honestly, if it helps you save hundreds without thinking, it kind of pays for itself. 

Just something to keep in mind if you’re trying to avoid paid apps.

In short, if you always want to save but never actually do it, Qapital does the work for you. 

Set it, forget it, and check your progress every once in a while when you’re bored. 

You’ll be surprised how fast it stacks up.

Also read: Best iPhone apps to Pay Off Debt Fast

2. Acorns – Best for Saving by Investing Spare Change

Pros:

• Automatically rounds up spare change to invest
• Super beginner-friendly
• Includes retirement and family savings options

Cons:

• Not a pure savings app — money goes into investments
• Monthly fee, even on small balances

Price: $3/month (Acorns Bronze), $6/month (Acorns Silver), or $12/month (Acorns Gold).

Acorns isn’t your typical savings app.

It’s more like a set-and-chill way to invest without feeling like you’re investing. 

The main idea? It rounds up your everyday purchases like buying a coffee for $3.25, and tosses the extra $0.75 into an investment account. 

You won’t even notice it happening, and over time, that spare change turns into something real.

It’s perfect if you want to feel like you’re saving, but also want your money to grow a bit. 

You’re not just stashing it in a savings account, you’re putting it to work. 

And don’t worry, you don’t need to know anything about stocks. 

Acorns picks a portfolio for you based on how aggressive or safe you want to be.

There are also options to set up recurring deposits, like $5 a week, and over time, you start building this little money machine without lifting a finger. 

It even has retirement savings (Acorns Later) and accounts for kids (Acorns Early) if you want to get fancy.

Now, the catch? It’s not free. 

Plans start at $3/month, which isn’t a big deal unless you’re only saving like $20 total — then it eats into your balance. 

Also, since it invests the money, it’s not instantly withdrawable like a normal savings app.

But if you want a painless way to save and grow your money a bit, Acorns is easily one of the smoothest tools out there.

3. Chime – Best Banking App with Automatic Savings

Pros:

• Rounds up purchases and saves the difference
• Can automatically save a % of your paycheck
• No monthly fees or overdraft charges

Cons:

• It’s a full bank account, not just a savings tool
• No joint account support (yet)

Price: Free

Chime isn’t a savings app in the usual sense, it’s a full-blown online bank.

But the way it handles saving? Honestly, it’s smoother than most apps built just for that.

Here’s how it works: When you open a Chime account, you get both a spending and a savings account. Every time you buy something with your Chime card, the app rounds up the purchase and drops the spare change into your savings. You can also set it to move 10% of your paycheck (or whatever percent you want) into savings automatically every time you get paid.

It’s basically like tricking yourself into saving, without needing to do anything.

And since it’s a real bank, your money is FDIC-insured, and there are no annoying monthly fees, no overdrafts, none of that old-school banking drama.

Just a super clean, mobile-only experience that quietly builds up your savings in the background.

That said, Chime is more of a banking switch than a quick add-on.

If you’re not ready to switch your main checking account, it might feel like too much.

But if you are looking to upgrade your banking setup anyway, this one’s worth a look.

So, if you want to save automatically every time you swipe your card or get paid, and you like the idea of a modern bank with zero B.S., Chime makes saving stupidly easy.

4. Rocket Money – Best for Saving by Cutting Subscriptions

Pros:

• Finds and cancels unwanted subscriptions
• Let’s you set up automatic savings goals
• Tracks spending across all accounts

Cons:

• Some features need a paid plan
• Savings tool isn’t super customizable

Price: Free or $6-$12/month.

Rocket Money (you might remember it as Truebill) is one of those personal finance apps that quietly saves you money by stopping you from wasting it.

It connects to your bank accounts, scans through all your transactions, and straight-up shows you where your money’s going — including the $9.99 you forgot you were paying for that random streaming service.

The big win here? You can cancel stuff right from the app.

Don’t want to pay for that gym membership anymore?

Tap once. Gone.

That alone has saved me more than a few bucks.

But Rocket Money doesn’t stop there.

It also lets you create a savings goal, like “Save $200 in 2 months,” and it’ll auto-transfer small amounts toward it every few days.

It’s not as rule-based or playful as Qapital, but it gets the job done.

You don’t really notice the money leaving, but you do see it build up.

The app also gives you a full picture of your spending: bills, income, subscriptions, and more.

Heads up, though, the free version is limited.

If you want full control over the savings plan or premium features like real-time account syncing, you’ll need to upgrade.

The paid version starts at around $6/month.

If you’re someone who loses track of small charges and wants to save just by plugging the leaks, Rocket Money might be the most practical app on this list.

5. Piggy Goals – Best for Visual Goal-Based Saving

Pros:

• Super simple and visual
• No bank connection needed
• Great for short-term savings goals

Cons:

• No automation — all manual
• No syncing or backup if you switch devices

Price: Free

Piggy Goals is for the people who don’t want to mess with bank logins, subscriptions, or fancy features.

You just open the app, set a goal like “New AirPods” or “Trip to Chicago,” choose how much you want to save, and start logging what you’ve saved so far.

That’s it.

It feels almost like a digital piggy bank.

Every time you put money aside in real life, you update your progress in the app.

You get this clean visual tracker that slowly fills up as you save.

And yeah, it’s kinda satisfying.

There’s no automation here — you’re doing the saving yourself.

But that’s not a bad thing.

For a lot of people, just seeing their goal every day is enough to stay motivated.

It’s especially useful if you deal in cash, use multiple bank accounts, or just don’t want to give apps access to your money.

You can create multiple goals, set deadlines, and even break down how much you need to save each week or month to hit them.

It’s great for short-term stuff — gifts, small trips, personal treats, or even getting kids into the habit of saving.

No fees, no ads, no fluff. Just you and your goal.

So if you want total control and don’t mind updating things manually, Piggy Goals is as clean and no-nonsense as it gets.

6. Goodbudget – Best for Envelope-Style Saving

Pros:

• Uses the classic envelope budgeting method
• Helps you stay intentional with every dollar
• Syncs across devices for couples or families

Cons:

• Manual entry can feel like a chore
• Free version has limited envelopes

Price: Free, $10/month, or $80/year.

If you’ve ever heard your parents talk about stuffing cash into envelopes for groceries, rent, or gas, this is that, but on your iPhone.

Goodbudget is built on that old-school system, just modernized.

You set up digital envelopes for things like “Rent,” “Food,” “Fun,” or even “New iPad.”

Then, every time you spend money or save toward something, you manually log the amount and assign it to the right envelope.

It forces you to be super mindful about where every dollar is going, which is great if your money just kinda… disappears every month.

The cool part is, you can also create savings envelopes.

So if you’re saving up for a vacation or emergency fund, you treat it like a monthly expense, and pay into it just like anything else.

It’s not flashy.

There’s no automation or AI doing the work.

But that’s the point.

It’s for people who want to slow down, plan their money on purpose, and feel a little more in control.

It also works really well for couples managing a shared budget, since it syncs across devices.

The free plan gives you 10 envelopes, which is fine for basic use, but if you’re trying to break everything down in detail, you’ll need the paid version (starts around $10/month).

Goodbudget isn’t for everyone.

If you hate manual entry, you’ll probably drop it in a week.

But if you’re down to get a little hands-on and treat saving like a habit, this one actually works.

7. Empower – Best for High-Level Wealth & Savings Tracking

Pros:

• Gives you a full picture of your finances in one place
• Tracks net worth, cash flow, and investments
• Totally free to use

Cons:

• More tracking, less “active” saving
• Can feel overwhelming if you just want something simple

Price: Free

Empower isn’t really a savings app in the traditional sense.

It’s more like a financial control panel for your whole life.

But hear me out: if you’re the kind of person who likes to see where every dollar lives, this thing is gold.

You connect your bank accounts, credit cards, savings, loans, investments — the whole deal.

Empower pulls it all together and shows you your net worth, cash flow, how much you’re spending, and how much you’re saving.

And it’s clean.

No clutter, no weird ads, no pushy upsells.

Now, it doesn’t automatically move money into savings like Qapital or Chime.

But it lets you track how much you’re saving each month, how your investments are doing, and even how your net worth is trending over time.

That kind of visibility can be just as motivating.

One cool thing is, you can set up custom savings goals and tag transactions manually.

So if you want to track how much you’re saving toward a home down payment or paying off a credit card, it’s all there.

It’s 100% free, which is wild considering how powerful it is.

They do have optional wealth management services, but you can totally ignore that part if you just want the dashboard.

In short, Empower is for people who want the big picture.

If you like knowing exactly where your money is and where it’s going, this one’s worth keeping on your home screen.

My Final Take

If you’ve made it this far, you’re probably serious about saving money — or at least tired of saying “I’ll start next month.”

Here’s the deal:

• If you want saving to happen automatically, without even thinking about it, go with Qapital or Acorns. They’re smooth, set-it-and-forget-it style. 
• If you want more control and don’t mind doing a little work, Goodbudget or Piggy Goals will keep you mindful and on track. 
• Chime is perfect if you’re cool with switching banks to get those built-in savings perks. 
• Rocket Money is sneaky good, not by saving your money, but by stopping you from wasting it. And if you want to see your full financial life on one clean screen, Empower just makes sense.

But real talk? It’s not about the app.

It’s about finally doing something with your money that future-you will thank you for.

Any of these apps can help — pick the one that fits how your brain works, set it up once, and just let it roll.

And if you’ve been using a savings app that’s not on this list and it actually works for you, drop it in the comments, or hit me up on Threads.

I’m always down to check out hidden gems.

FAQs