31 Financial Independence Apps You Should Know About

Saving money doesn't have to be painful — Here are 31 of the best financial independence apps to help you save money automatically.

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Looking for the best financial independence apps for 2022?

Then you'll love this article.

Financial Independence doesn't have to be painful — In fact, I've listed 31 of the best finance and budgeting apps to help you save money automatically in 2022.

Whether it's preparing to buy a big-ticket item, building a nest egg for retirement or just saving dimes and dollars on every day and recurring purchases you're already making, saving money is crucially important.

What is Financial Independence?

People have misunderstood the word financial independence. The financial independence is somehow connected to your daily life. People think they work in a big company and earn a huge salary at the end of the month, which shows they are financially independent. This is not necessarily always true.

Financial independence is the status of having enough income to pay one's living expenses for the rest of one's life without having to be employed or dependent on others. But how can you get there? Well, financial independence apps can help.

Best Financial Independence Apps

Saving money can be easy especially with a powerful personal computer in your pocket disguised as a telephone.

Here are 38 money apps to help you save money and reach financial independence — for today or tomorrow.

1. Fundrise

Fundrise is a low-cost investment platform for web and mobile that's specifically designed for real estate investors. And it's not just an app, either — it's a professional investment guidance service. Professionals look at thousands of real estate opportunities across the country and help you diversify your portfolio and keep an eye on site progress at your investment properties, all at the same time.

2. Acorns

Acorns is an investing app that offers a mobile app and web app. It functions by saving small amounts of money automatically, by rounding up your purchases on a linked account or card and by investing the difference in your Acorns account. The service recently launched “Acorns Later” — a full-featured retirement account that that's perfect for anybody without an employer-sponsored retirement plan.

3. MoneyLion

The free MoneyLion app styles itself as a jack of all trades. It's a platform for managing your current finances, investing and keeping track of your credit score — all while you save money and plan for the future. A free account gets you saving and borrowing tips, while a MoneyLion Plus account opens up the app's suite of investment tools.

4. SavingStar

Clipping coupons and using rebates are excellent ways to save an often-incredible amount of money on name brands. But without SavingStar, you get stuck searching for, clipping or printing those coupons and rebates the old-fashioned way. SavingStar removes all the hassle from grocery rebates and gives you access to savings from 70,000 retail locations.

5. Tally

Credit card debt is the bane of many consumers' existences. Tally is an app designed to help those with credit card debt track and pay it all off in a timely, responsible manner so you can get your finances back on track. Without harming your credit score, Tally analyzes your finances and opens a line of credit for you to automatically pay off your debt for you at a rate you can manage.

6. Blooom

Employer-sponsored retirement plans are essential tools for anybody who wants to plan for retirement. But it can take some know-how and finesses to get the most out of your 401(k)s and other accounts. Blooom will analyze your retirement accounts for free and, for $10 per month, potentially reduce hidden investment fees and optimize your choice of funds to get on track for retirement.

7. GetUpside

Shopping local can put you back in touch with your community and help you uncover hidden gems. But you still want to get the best deals, which is why GetUpside is so helpful. The app maintains a local focus and points you toward discounts in your local area on the products you’d be buying anyway, like groceries and gas.

8. MyPoints

MyPoints is another app that gets you paid just for answering simple questions about your purchasing habits. Your first survey should take about three minutes and will earn you 10 points in the process. After that, you can earn additional points and other rewards by playing games, watching videos and clipping coupons.

9. Long Game

Making the most of your income over a lifetime requires you to play the “long game” — hence the name of this app. Long Game is a fully featured savings account that rewards you with cash and cryptocurrency rewards. Saving money in your account earns you playing time in fun, interactive games and the chance to earn additional cash prizes. You can withdraw your money anytime, just like a regular savings account. Click here for 1000 bonus coins to get you started.

10. M1 Finance

M1 Finance empowers you to manage your money and build wealth with ease. Just create and automate your portfolio and they take care of the rest. Also, it's totally free to use and download.

11. Ibotta

You can probably file this one under “sounds too good to be true, but isn't.” Ibotta is an app that works with 250 major retailers, including big-box stores, to help you get some money back, retroactively, on purchases you already make regularly. Some users report savings of up to $25 in their first month without changing their shopping habits.

12. Swagbucks

If you're looking for a way to browse for cool deals, search for specific items, conduct paid surveys and generally earn a little bit back on all the shopping research you'd be doing anyway, SwagBucks is for you. After you link a PayPal account, most of your activity on the app — from doing product searches to providing marketing feedback — helps you earn points toward cash rewards.

13. Rakuten

Rakuten functions a little like an outlet store for 2,500 Internet retailers. By making Rakuten your “shopping portal,” either through the web app or a browser extension, you have access to thousands of great deals — up to 40 percent off — on almost anything you can imagine, straight from your retailers of choice. You can also get cash back on your purchases.

14. Qapital

Qapital is another mobile-focused savings app that makes automatic or manual deposits based on your income. But it goes a step further than some of the others by offering a social and family component, where you can save money as part of a group, as well as robust goal-setting features for when you have specific savings milestones in mind.

15. Trim

Trim makes the bold claim that its machine-learning-facilitated app platform saves its users $1 million per month. How? By looking over your finances and canceling unused subscriptions, finding more affordable utility and service providers and generally looking for waste and redundancy. Give it a try.

16. Credit Sesame

If your credit, or lack thereof, has been on your mind, you might find Credit Sesame as a jack of all trades for credit monitoring and even free identity theft protection. The result is an app that delivers helpful and timely advice, as well as alerts to help you keep your money safe.

17. Paribus

Paribus, like many of these, is 100 percent free to use. Once you create an account, you can shop just like you usually do at more than 25 well-known online retailers. With each purchase, Paribus keeps track of your receipts and lets you know if you've qualified for any retroactive refunds based on price drops, late deliveries and more.

18. Cinch Financial

Cinch Financial first and foremost brands itself as a “minimalist” assistant for your entire financial life. Using algorithms that operate in the background, the app analyzes your financial life, and creates a forecast of several practical, actionable steps you can take right now to improve your standing. The goal is to help you save money and get into better spending habits.

19. Digit

The Digit web and mobile apps make it genuinely painless to save money “in the background.” It works by keeping an eye on a linked personal checking account and saving small amounts of money at a time based on your incoming profit or wages.

20. Fidelity

Whether you have an employer-backed retirement account or a personal Roth IRA, there's a good chance you manage it through Fidelity. Using the mobile and web app, it's easy to watch your accounts grow or make additional one-time investments in your future as often as you can afford to do so.

21. Credit Karma

Sometimes, saving money for the future or a major purchase requires a little personal finance triage first. If that's the case, the Credit Karma app is a good starting point for anybody who wants to find out where they stand credit-wise and get some practical tips for improving it, saving money on ordinary expenses while you do so.

22. Poshmark

You can think of the Poshmark app a little like a high-end thrift store. It's a mobile-first peer-to-peer digital marketplace where people can buy, swap and sell clothing, footwear and fashion accessories by sought-after and luxury brands, sometimes for 70 percent off the “rack price.” For items where counterfeiting is a worry, Poshmark offers authenticity checks for purchases more than $500.

23. OpenTable

Nothing is frugal about dining out in restaurants — but if you do it right, even infrequent visits could help you earn back a little something. OpenTable is an app that makes securing table reservations on a mobile device painless. However, you also earn points for each reservation and can cash out for affiliated restaurant gift cards or Amazon gift codes.

24. Honey

Honey is a browser extension for Safari, Firefox and Chrome, rather than a standalone mobile or web app — but it's a potential money-saver just the same. After you install it, Honey keeps an eye on the checkout process at major Internet retailers and automatically finds current coupon codes to apply to your order.

25. Checkout 51

Checkout 51 is an excellent tool for anybody who frequently shops for household groceries and other items. Using the app is easy — you create a free account and then upload receipts of purchases you've made for qualifying items. Checkout 51 keeps a continually updated list of manufacturer deals and sends you cash back any time you buy something for which there's a posted deal.

26. GasBuddy

If somebody out there enjoys buying — and overpaying for — gasoline, we've never met them. That's what GasBuddy is for. It offers several tools for frugal drivers. First, it'll show you the lowest gas prices near you. You can also use it to calculate MPG. Or, for long road trips, you can find the best gas prices in advance and add them as stops on your itinerary.

27. Chime

Chime brands itself as less of a mobile app and more a full-blown “alternative bank.” You can set your checking account to commit 10 percent of incoming paychecks to savings automatically. Additionally, some purchases you pay for using your Chime account are eligible for cash-back rewards.

28. Clarity Money

No matter the skill, sometimes we need some coaching — and saving money is no different. The Clarity Money app helps you find and cancel hidden recurring expenses like subscriptions and bad habits. It'll also deliver insights — using a web or mobile app — about negotiating your costs lower and suggesting financial products that could help, based on your profile.

29. Mint

Like Clarity Money, Mint styles itself as your personal finance consigliere. By linking your major financial institutions and ATM cards, Mint delivers a top-down view of your entire financial life. You can build and fine-tune a budget, create an emergency fund and look over your credit score — all for free.

30. You Need a Budget

It's got an on-the-nose name, but maybe straightforwardness is exactly what you want in a financial app. You Need a Budget has long been a favorite because it makes it easy to account for all your spending, prioritize your expenses, understand basic and advanced budgeting techniques and save easily for unforeseen emergencies — or just a rainy day.

31. Robinhood

In underprepared hands, a stock trading app is a money-loser rather than a money-saver. Robinhood offers free stock and bond trading and an intuitive interface, so it's a smart way to play the market while saving the money you'd otherwise lose to commissions.

Best Financial Apps For You

Many of these money-saving apps offer help to let you build up savings over time.

In fact, these savings apps help change your mindset about money and provide valuable ongoing lessons about financial wellness that can keep you out of debt and on the road to saving more money for today and tomorrow.

Your Financial Independence…

Your financial independence completely depends on how you feel about your life. If you don't feel motivated then you need to change something in your life. Your most of life will be utilized in working so better you have something in hand which you passionate about. The life is a roller coaster ride so there will be good days and bad days. To enjoy financial independence, you should have planned for both the situation. The money will play the big role in securing your future. Your focus should be balancing the money and passion equally to live the movement at fullest.

Leave your thoughts below. Share with me how you manage your financial goal and what is financial independence to you?

Good luck!

Brian Meiggs
Brian Meiggs
Brian Meiggs helps you discover clever ways to pay off student loans, make extra money, save money, be resourceful and stay curious. With over 10 years of experience in the financial industry, Brian has developed a reputation for his in-depth knowledge and practical approach to personal finance. He holds a bachelor's degree in Finance and has been recognized by several industry organizations for his contributions to the field. Brian is passionate about educating people about personal finance and has been featured in several national media outlets, including Insider, AOL, Discover, and Yahoo! Finance. With his unique perspective and proven track record, Brian Meiggs is a trusted voice in the world of personal finance.