12 Apps That Can Help You Save Money

Saving money used to mean clipping coupons or digging for the best deals in weekly flyers. Today, it’s much easier—and smarter—thanks to technology.

With just a few taps on your phone, you can find discounts, automate savings, track spending, and even earn cashback. The truth is, saving money in 2025 doesn’t have to be boring or difficult. It can be simple, fun, and completely automated.

The challenge most people face isn’t whether they want to save—it’s how to do it consistently. Life gets busy, bills pile up, and before you know it, saving slips through the cracks.

That’s where apps come in. They take the guesswork out of saving and make it part of your everyday routine without requiring constant effort.

The good news? There’s an app for almost every type of saver. Whether you’re someone who struggles to budget, wants cashback on everyday purchases, or prefers automatic transfers into savings, there’s a tool out there to help you reach your goals.

12 Apps That Can Help You Save Money

Here are twelve apps that can make saving easier, smarter, and more effective in your daily life.

1. Mint

Mint is one of the most well-known budgeting apps out there, and for good reason. It helps you track income, spending, and bills all in one place. By linking your bank accounts and credit cards, Mint automatically organizes your transactions so you can see exactly where your money is going.

The best part? It sends alerts when you overspend or when bills are due, helping you avoid late fees. With this kind of clarity, it’s much easier to cut unnecessary expenses and redirect that money into savings.

2. Acorns

Acorns is perfect for people who want to invest and save without thinking about it. The app rounds up your everyday purchases to the nearest dollar and invests the spare change automatically.

It may not seem like much, but over time those tiny contributions add up. For people who feel like they don’t have enough money to invest, Acorns makes it possible to start small and grow steadily.

3. Rakuten

Formerly known as Ebates, Rakuten is a cashback app that rewards you for shopping online or in-store at thousands of retailers. Every time you make a purchase through the app, you earn a percentage back in cash.

Since you’re shopping anyway, Rakuten essentially gives you free money for things you would buy regardless. The app even alerts you to available deals so you never miss an opportunity to save.

4. Honey

Honey is a browser extension and app that automatically finds and applies coupon codes when you shop online. Instead of hunting around for discounts, Honey does the work for you in seconds.

The app also has a rewards system called Honey Gold, which gives you gift cards when you accumulate points from shopping. It’s a simple way to make sure you never overpay online.

5. YNAB (You Need a Budget)

YNAB takes a unique approach to budgeting. It encourages you to give every dollar a job, whether that’s paying bills, saving, or investing. The philosophy behind YNAB is proactive money management rather than reactive.

For people who want more control and accountability, YNAB is one of the most powerful budgeting tools available. It may require more effort than simpler apps, but the payoff in savings and clarity is worth it.

6. PocketGuard

If you tend to overspend, PocketGuard is a lifesaver. The app shows you exactly how much “safe-to-spend” money you have after accounting for bills, goals, and savings.

This feature helps you avoid dipping into funds meant for rent, utilities, or debt payments. With PocketGuard, you always know what’s truly available for discretionary spending.

7. Digit

Digit makes saving effortless by analyzing your income and spending habits, then automatically moving small amounts of money into savings. It’s designed to save just enough so you won’t even notice it’s gone.

For people who struggle with discipline or forget to save, Digit takes the stress out of the process and builds your savings in the background.

8. Ibotta

Ibotta focuses on cashback for groceries, but it also works with retail stores, restaurants, and even travel. Before shopping, you unlock offers in the app. After making a purchase, you scan your receipt or link your account to get cashback.

It’s especially helpful for families looking to stretch their grocery budget without extra effort. Over time, those small amounts add up to big savings.

9. Qapital

Qapital is a savings app that uses creative rules to help you set aside money. For example, you can create a rule to save $5 every time you buy coffee or round up purchases to the nearest dollar.

It turns saving into a fun, game-like experience while helping you work toward specific goals like vacations, debt payoff, or emergency funds.

10. Goodbudget

Goodbudget is a modern version of the classic envelope system. Instead of stuffing cash into physical envelopes, you create digital categories for your spending and allocate money to each one.

This system gives you clear boundaries and prevents overspending. Once an envelope is empty, you stop spending in that category, which encourages discipline and savings.

11. Trim

Trim is like a personal financial assistant. It analyzes your accounts to identify recurring subscriptions you may have forgotten about—like streaming services or gym memberships—and helps you cancel them.

It also negotiates bills like cable or internet on your behalf. By eliminating waste, Trim frees up money you can redirect into savings.

12. Chime

Chime is an online bank with features designed to help you save automatically. It offers round-up savings, automatic transfers into savings accounts, and early direct deposits.

It’s a great all-in-one tool if you want your bank itself to support your savings goals without needing multiple apps.

Conclusion

Saving money doesn’t have to feel overwhelming or complicated. With these twelve apps, you can make saving automatic, smarter, and even fun. Whether you’re rounding up spare change with Acorns, finding hidden deals with Honey, or tracking your spending with Mint, there’s a tool to fit your lifestyle.

The key is to pick the apps that align with your habits and goals. You don’t need to use them all—just one or two can make a huge difference. By letting technology do the heavy lifting, you’ll save more without even noticing. And over time, those small, consistent savings will grow into real financial security.

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