Tortoise: Save up and Earn 10‪%‬ 4+

Extra rewards for the planners

Tortoise Systems Private Limited

Designed for iPhone

    • 4.3 • 29 Ratings
    • Free

iPhone Screenshots


Tortoise brings you a whole new way to plan and save up for your dream purchases, and earn cash rewards in the process.

You can earn additional 5-10% cash rewards for all Apple Products that you can also combine with all other bank and store promotions.

Tortoise partners with your favourite brands and merchants to bring you their saving plans. Simply select your desired brand or product, decide how much and how long you want to save and get started. Make monthly payments towards your savings goal, and earn additional cash rewards towards your purchase upon completion of your goal.

Tortoise is not an investment app - we do not keep your deposits. Your money is stored safely in RBI-regulated escrow accounts. You can choose to cancel your savings plan at any point in time, to get all your deposits back instantly.

Why should you save with Tortoise?

1. Additional rewards, over and above your savings goal.
2. Tortoise puts you in control. You decide how much, and when you want to save. Save, and purchase, on your terms.
3. Avoid taking loans and EMIs to make your purchases. Saving up and buying later means cash rewards, no debt, credit, or fees.
4. Greater flexibility. Sudden change in plans? No problem! Tortoise allows you to cancel anytime for instant, 100% refunds without any hidden charges.

Saving up for large purchases has been a timeless practice, ingrained in our culture of thoughtful consumption. Tortoise aims to leverage technology in order to make this practice mainstream, especially in a world pushing you to spend and borrow mindlessly.

What’s New

Version 2.3.5

We've ironed out some bugs to make your savings journey smoother

Ratings and Reviews

4.3 out of 5
29 Ratings

29 Ratings

ips2811 ,

Finally a much needed financing option

Its such a great feeling to not have the stress of EMIs or the guilt of shelling out a huge amount at one go to purchase what you want to purchase . Saving was always the best option and Tortoise makes it more rewarding .

Developer Response ,

Thank you for your support! We value customers like you. We will keep working hard to provide a good user experience for you and appreciate your feedback.

dinesh.ladi ,


I guess Tortoise is first of its kind at least in India. In the age of Buy Pay and Save Later, Tortoise is orthogonal to the BPNL approach where you Save Now and Buy Later with incentive. I liked the AutoDeposit and Quiz feature and lot. Kudos for the awesome work by team Tortoise.

Developer Response ,

Hello Dinesh, thank you for your support. We value customers like you. We will keep working hard to provide a good user experience for you and appreciate your feedback.

smittal247 ,

Simple and rewarding!

Great and easy to understand plans, combined with real rewards on products that I actually wanted to buy! Can’t wait to plan my next purchase through one of your plans as well :)

App Privacy

The developer, Tortoise Systems Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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