Save money, invest, and budget automatically with Qapital – an app that makes financial decision-making easier on the brain.
Studying behavioral economics taught us that humans are simply not wired to process tradeoffs between spending now and saving for later. So, we put together a team of product experts and finance pros to build automated money management solutions that are simple to use and easy to stick with.
Try Qapital free for 30 days, then $6/month.
*****
Qapital helps you to put away a little bit every week. It’s the easiest way to save for things like: presents, birthdays, vacations, and emergency funds.
1. Set unlimited money saving goals
Set as many goals as you’d like, personalize them, move money to them automatically, and track your progress as you go.
2. Budget with smart rules
Qapital transfers money from your checking account to Qapital savings using the rules you set. We help you build rules around habits you already have. That way, you can save when you buy a treat, or go for a run.
3. Save money & invest in ETFs
Automatically set money aside for savings and investing goals when you get paid, when you shop, or whenever works best for you.
4. Spend smarter
Set money aside for weekly spending with the Qapital Visa® debit card. Shop anywhere Visa® is accepted, get cash from ATMs world-wide, and get notified when you’re close to your weekly budget.
5. Invite a partner and team up on your goals
Qapital Dream Team™ lets you save toward shared goals and see one another’s transactions without giving up your individual accounts. You decide what’s shared and what’s private, always.
*****
Qapital is a fintech company, not an FDIC-insured bank. Checking account provided by Lincoln Savings Bank, Member FDIC. Visa® debit card issued by Lincoln Savings Bank, Member FDIC. Deposit insurance covers the failure of an insured bank.
Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. Brokerage services provided to Qapital Invest clients by either (i) Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC or (ii) Wedbush Securities Inc., an SEC-registered broker-dealer and member FINRA/SIPC.
Qapital will deduct a monthly membership fee after any applicable free trial ends and you connect a bank account. Current membership fees can be found at https://www.qapital.com/pricing.
For full details, see Qapital’s Terms and Conditions (https://www.qapital.com/terms/) and Privacy Policy (https://www.qapital.com/terms/privacy-policy/).
A friend referred this app to me and I’ve been really stoked about it and sharing it to others as well since. I appreciate the different options available on how to save so you don’t have to stick to a specific saving style if you don’t want to. I like it because for me, I have my card charged and it rounds what’s charged to the nearest (whatever you want it to round to) so it’s almost like a subtle change in your bank but once accumulated shows how much actually gets put aside for your purchases. You have options when it comes to forms of saving! I’m a scattered person so this helps put money in places that I can sort and see what to do with. Definitely recommend this to anyone who wants to try saving without having to think too into it, building a casual savings. But I HIGHLY recommend this app to people who have a hard time with saving money. Folks who fall under that should look into this seriously. The app helps collect funds and assists in organizing what you wanna put aside for or just to simply have something of a savings. It also stops taking funds if your balance is too low. What makes it a good savings way to me too is, even if you wanted to take some money out, you'll either have to wait a few days or so for it to transfer to your bank OR have to catch their immediate transfer hours before a certain time. (Last time I remembered it was only available early a.m times) Helps with impulse prevention since the money cant be touched/used immediately. Been using this app for a few years now 😄
Amazing savings
Jcraff3
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
Make saving a game
Calion
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.
Nice way to start emergency fund
Sciv
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
New Digital Cards: Look out for the new banners to get started
Fresh Look for Invest: We’ve replaced the old portfolio selection carousel with a cleaner design to help you navigate your investments easier
Accurate Data: Updated our return rate displays and fixed chart performance issues
Bug Fixes & UI Improvements: To ensure stability and a smooth experience
Version 5.44
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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Qapital, LLC
Size
601.1 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
iPad Requires iPadOS 16.0 or later.
Apple Vision Requires visionOS 1.0 or later.
Languages
English
Age Rating
4+
4+
This app has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
