The 6 Best Money-Saving Apps of 2024 (2024)

Best Budgeting App: Mint

Mint is an app that collects your banking and investment data in one place to give you an easy-to-understand overview of your finances. Mint can track your bills, payments, and other transactions while setting saving goals for you to work toward.

In addition to presenting all your financial information, the Mint app detects your credit score and displays it for you in a graph along with actionable tips for improving it. All data is rendered in stylish charts with large text making it easy to tell where your money is, what it's doing, and where there's room for improvement.

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Best Micro-Investing App for Beginners: Acorns

Acorns, also called Raiz, is a popular saving and investing app on iOS and Android devices. After connecting your bank account and cards, Acorns rounds up your transactions to the nearest dollar and puts the difference into your Acorns account.

This loose change is then invested into one of five Acorns-managed portfolios, which you select, and has the potential to increase in value over time. Given the nature of the stock market, it does have the potential to decrease in value, too.

After the initial setup, all of the saving and investing happens in the background in an automated fashion, which makes Acorns a good option for those who have trouble motivating themselves or remembering to set aside money every month.

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Most-Fun Savings App: Qapital

Qapital is a neobank, which is a bank that runs digitally via smartphone and tablet apps and has no physical branches you can visit. The Qapital apps allow you to fund your Qapital account with your existing bank account, manage balances and transfers, and gain interest on your funds as you would with a regular bank.

What sets Qapital apart from its rivals, though, is its gamification of goal-oriented savings through the implementation of applets (small, mini apps). Each applet can be set up to transfer a set amount of money to a savings goal when a specific requirement is met. You can have some money put aside when you meet a fitness goal or when your favorite sports team wins. You can even set an applet up so your account transfers money towards your goal when a specific person tweets or when it begins to rain.

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Best Expense Management App: Shoeboxed

Shoeboxed, also called SquirrelSheet in Australia and New Zealand, is an app designed to save you money by helping you keep track of your expenses for claiming on your tax return, filing in an expense report, or giving to a client.

The Shoeboxed app works by using the camera on your iOS or Android device to take a photo of a paper receipt and then extracts all of the expense, payment method, date, and location information and saves it digitally. This data can then be sent in an email or exported as an Excel document or other file format.

Information from all scanned receipts can also be searched from within the app or on the Shoeboxed website, which is convenient when trying to match expenses with an item or date.

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Best Coupon App: Groupon

Groupon has almost become a household name due to its popularity and with good reason. This coupon app has a huge presence in the USA and abroad and offers an enormous number of coupons for almost everything from restaurant meals to cultural experiences.

All you need to do is present the chosen Groupon coupon when purchasing the selected product or service to get the discount. The savings offered by Groupon aren't small either, with examples of the type of coupons available including 90% off Microsoft Office, $15 off of Lindt chocolates, a three-month free subscription to Pandora Premium, and $40 off an Apple Watch band.

Using the Groupon app is free.

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Best App for Earning Gift Certificates: Swagbucks

Swagbucks is a popular free service that can be used to earn gift certificates for major retailers like Amazon, Walmart, and Nike. By using the smartphone apps or the website, you can earn points by completing surveys, watching videos, or shopping through referral links.

These points, referred to as Swagbucks, can be redeemed for gift certificates, and that's all there is to it. Something that's particularly cool is that you can redeem Swagbucks for a PayPal gift certificate, which is essentially extra money that you can spend on anything, such as groceries, or deposit into your savings account for a rainy day.

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