Description

Your goals, our scientific approach to helping you take charge of your finances… it’s a winning combination that’s already helped more than 2 million people start their journey toward money happiness.

Together with world-renowned behavioral scientist Dan Ariely, we’ve developed a smarter money app that helps you reach your financial goals without changing the way you live. The best part – our approach works just as well for couples as individuals.

And because we know just how hard (and boring) it is to stick to saving and budgeting plans, Qapital’s checking, saving and investing tools do the heavy lifting for you – automatically.

*****

Qapital is built on the idea that money happiness is personal. That’s why Qapital puts your Goals front and center, then helps you plan your spending, saving and investing around them. And you don’t need to give up your existing bank account.

1. Stop budgeting, start Qapitalizing
Let’s face it, traditional budgeting simply doesn’t work for most people. Life gets in the way, or we see something we suddenly can’t live without – we’ve all been there. Qapital replaces spreadsheets with scientifically designed money tools that help you take charge of your entire financial universe.

2. Pay yourself first with Payday DivvyTM
The Qapital effect starts the moment you get paid – Payday Divvy automatically divides up your paycheck between short- and long-term goals, bills and discretionary spending (don’t worry, your money is always available to cover unforeseen expenses).

3. Build successful money habits that last
Big picture in place, Qapital gets to work on the details. Spending Sweet Spot makes it easy to adjust your spending week by week while still helping you save automatically toward your Goals. And it all works by leveraging the habits you have – rather than expecting you to start new ones.

Smarter checking: Our FDIC-insured checking account gives you instant access to savings balances, instant free transfers from savings Goals, a Visa® debit card that works with Apple Pay & Google Pay, direct deposit with early access to your paycheck, and bill pay. All without any of the hidden fees regular banks saddle you with.

Smarter spending: Our smart money manager will help you make sense of your weekly spending habits. Discover how you spend, and you'll learn where to save.

Smarter saving: Set your savings Goals then use our smart Rules to save toward them automatically. And use our integration with the Apple Health app to save money toward your Goals when you reach your target for Walk or Run Distance, Steps, or Workouts. You can also customize your own Rules with our IFTTT integration (we have a few to get you started). All FDIC-insured up to $250,000.

Smarter shared finances: Designed for the way couples manage money together today, Qapital Dream TeamTM lets you save toward shared Goals and see one another’s transactions without giving up your individual accounts.

Smarter investing: Qapital Invest is investing for people who like the idea of investing but don’t really know where to start. Set your Goals, pick a portfolio and a timeline, and then leave the nitty gritty to us. Smart.

QAPITAL, QAPITAL INVEST, the QAPITAL and Q logos are all registered trademarks of Qapital, Inc. Copyright © 2021 Qapital, Inc. All Rights Reserved. Neither Qapital, Inc. or any affiliates is a bank. Banking services provided by, and Qapital Visa® Debit Card issued by, Lincoln Savings Bank, Member FDIC.

Qapital Invest LLC (“Qapital Invest”) is an SEC Registered Investment Adviser. The information provided herein is for informational and general educational purposes only and is not investment or financial advice. Investing involves risk; you may lose money, including loss of principal. Brokerage services provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured but protected by SIPC.

What’s New

Version 2.215.0

We've done some spring cleaning, but in the fall. Expect a few bugs to be squashed in this one.

Ratings and Reviews

4.8 out of 5
78.3K Ratings

78.3K Ratings

rjfskelt04 ,

My 6 week experience with Qapital

I had been thinking about a way to be able to save money exactly this way I had really wished my bank did something like this but unfortunately they do not. So I came across Qapital and it sounded great. I was very skeptical bc this is my money we are talking about! I did a lot of research for a good year before I felt comfortable enough to finally download the app and give it a chance. I am really glad I did bc it’s been almost 6 weeks and I’ve already saved 363$! I started this savings for extra spending money for my upcoming anniversary trip to Las Vegas, at this rate by the time we go in a few weeks I should have at least 500$ extra to take with me! I am not good at saving at all so this has been awesome for me. I couldn’t of been able to save like this on my own so I’m very happy with the app so far! Only thing I would change but isn’t really a big deal is that they would take the money out at the time of transactions and not in batches a few times a week which like I said isn’t a big thing but I would change that if I could other than that I give it 5 stars so far! Hopefully that doesn’t change in the future but so far so good! 👍
Update: So I’ve been using Qapital for about 6 months now and I’m loving the app it has been a lifesaver for me!

Sciv ,

Nice way to start emergency fund

I love using this app. Very easy to use. I just wish the deposits were more frequent. I use the set and forget rule added with round up rule. Picked to have $2 dollars a day, because who would notice just few dollars a day? Except, it builds up and then by the time it does come out it’s a big enough amount that I notice (at times over $60) I recommend getting the debit card. Otherwise, you’ll need to wait a few days for the money to be put back in your account, which is a pain if this is your emergency fund.
Update: I have still been loving this app. I don’t really use it for savings. I take what I’ve earned each week from round up rule and transfer it to my debit card. Then that’s what I use for the week for lunch at work. The only thing I’ve seen change since I started using Qapital, was they now charge monthly fee. Not sure of the prices, I started using this so long ago that I was grandfathered in on the account type I was using. They still only deposit money in your account on certain days. But I did discover that if it’s starting to get higher then you really could afford, that you can go in and cancel pending deposits individually until you get down to the amount you’re wanting. And if your primary account gets down to a certain amount,(believe $150) then they will pause withdrawing from that account. Only reason for not giving 5 stars is because of their deposit schedule. Otherwise I love this app

Lily_calla ,

Budgeting made easier

I’ve grown grateful for Qapital. I’m the sort of person who feels money burning through my pocket. So when my checking account says I have money, I get excited and I spend it. Qapital gives me the ability to see what I actually have for spending money and set different goals for future purchases or monthly expenditures like rent. For example, I get a paycheck eve try two weeks. So half of my rent needs to come from each paycheck. I set up a rule that every time I get a paycheck, a percentage of it (half of my rent) gets saved to my “Rent” goal. At the end of the month I put the money from the rent goal into my spending account and my autopay will pull the money on the first. I can do that with future expenses too, like I’m going on vacation. So I figured out how much money I wanted to have accessible by the time I was on vacation, figured out how many paychecks until that date, and set up a rule to save the money from each paycheck to get me to the total spendable money for my vacation.

This helps me not spend the money that has a future use. I can see when I’ve overspent a previous month because my spending account will be lower than I like. So if you’re like me and need to see the actual amount of money that you can use, this app is for you!

App Privacy

The developer, Qapital, LLC, 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:

  • Contact Info

Data Linked to You

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

  • Health & Fitness
  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

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

  • Diagnostics

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

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

  • Siri

    Get things done within this app using just your voice.

You Might Also Like