Qapital: Set & Forget Finances 4+

Save. Invest. Share finances‪.‬

Qapital, LLC

    • 4.8 • 84.3K Ratings
    • Free


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.

Using behavioral science, 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 and the QAPITAL and Q logos are registered trademarks of Qapital, LLC. Copyright © 2023 Qapital, LLC. All Rights Reserved. Qapital is not a bank. Banking services provided by Lincoln Savings Bank, Member FDIC and other partner banks. 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 2.310.0

This week’s release includes bug fixes, general usability upgrades, and design enhancements.

Ratings and Reviews

4.8 out of 5
84.3K Ratings

84.3K Ratings

Jcraff3 ,

Amazing savings

By far easier to use and better for savings than other apps. The rules thing is cool where you set how to save, I did round up every $2, the 52 week rule, set and forget $10 a month, and spend less at a couple fast food restaurants and I’m projected $3000 in 6 months. I’ve done it before so it’s all very accurate. I like that you can add a partner to it now like a spouse etc so you both can save into something. And I’ve also done the investment portion where you can take that savings acct or a different one and tell the app how aggressive to be for investments it’s all super legit and I tell everyone about it I can. There’s a delay of money transfer on purpose because the app tries to make sure your bank has the money. And if you ever see your next “transfer” saying something like $200 don’t freak out lol that’s just the money it’s accumulated but the transfer portions are smaller based on what was calculated per transfer period which seems to be every few days or so. I only know this because it scared me once because I wasn’t expecting to budget that heavy one week but then it only took like $30 and the rest was the next week. It also adds up quick if you don’t have the money in your bank so the transfer money can get high. You can let it ride like I do or what I’ve also done is cancel a transfer or some of the transfer and continue later

Calion ,

Make saving a game

Saving money always felt like taking something away from my present self to give to my future self, so I rarely did it. But with Qapital, I find myself jealously guarding my savings, and trying to find more reasons to save. It's a wonderful concept, and it works great. Plus, if you get their debit card, they pay interest on all savings; better interest than many other banks offer. And now they offer automatic and commission-free (which is not to say without charge) investing. I've looked over their fund picks; they're good ones. They've got an interesting approach to diversifying your investments that I like. By far the biggest flaw is the lack of a free tier. Having a savings account—even a spiffy one like this—shouldn't cost $6/mo. Remember, they make money off your savings. Paying for investing—and even checking—is okay, but the basic features should be free. I find it hard to recommend this app to friends without a free option. The only other real flaw is that you can't exclude some transactions from the Rules. There are tons of possible options for saving, but I only use the Payday rule, saving 10% of every paycheck (split between various savings and investment accounts), and Set and Forget to build up savings for my next car. I do wish they had a more aggressive portfolio, something like an S&P 500 Index, getting ~10% returns.

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

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


  • Wallet

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

  • Siri

    Get things done within this app using just your voice.

You Might Also Like

Oportun: Savings made easy
Tally: Pay Off Debt Faster
Debt Payoff Planner & Tracker
Ava: Build Credit History Fast
Copilot: Track & Budget Money
Tellus: Earn More Daily