25 Best Money Saving Apps That Actually Work (2020)

Want to Score Cash For Free?

  1. Solitaire Cube: Earn up $50 per month playing Solitaire with one of the highest-paying gaming apps on the web. Download Solitaire Cube (iOS only)
  2. Robinhood: This investing app lets you trade stocks and do everything for free and takes no fees — ever. Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).
  3. Survey Junkie: Want to get paid instantly via PayPal? Simply sign up for Survey Junkie, and the free survey site will pay you to fill out surveys and surf the web. There’s no catch. They have an A+ rating with the BBB and only takes two minutes to sign up for an account.

If saving money is the goal, then keeping your eyes on your money in the first place is step one. Here are some of the best money saving apps for 2020.

Whether it's preparing to buy a big-ticket item, building a nest egg for retirement, or just saving dimes and dollars for paying back student loans, saving money is crucially important.

But it doesn't have to be painful — especially with a powerful personal computer in your pocket disguised as a telephone.

Here are 25 apps to help you save money — for today or tomorrow.


Want free money?

  • Aspiration: Want to get spotted a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

money saving apps

25 Best Money Saving Apps

Here is a list of the best money saving apps for 2020.

1. Fidelity

Whether you have an employer-backed retirement account or a personal Roth IRA, there's a good chance it's serviced by 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.

2. Trim

Trim makes the bold claim that its machine learning-facilitated app platform saves its users one million dollars 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.

3. GetUpside

If somebody out there enjoys buying — and overpaying for — gasoline, we've never met them. That's what GetUpside 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.

4. 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.

5. Acorns

Like Digit, Acorns offers a mobile and web app. It too functions by saving small amounts of money automatically, this time 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.

6. Credit Sesame

Sometimes, saving money for the future or a major purchase requires a little personal finance triage first. If that's the case, the Credit Sesame 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.

7. 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.

8. Amazon.com

Concerns about Amazon's working conditions have finally reached the mainstream, but there's little doubt the Amazon App can be a cost-savings godsend when you know how to work the system. A good start is using the Amazon.com mobile app to scan barcodes when you're out shopping. If Amazon — or a third-party affiliate — has a lower price on the item, it'll let you know.

9. 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 of 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.

9. Qapital

BankTermsOpen
CIT BankWant to earn 7x the national interest rate on your savings from now on? No monthly service fees. $100 minimum to open your account. FDIC insured up to $250,000. Simple and smart.

LEARN MORE

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.

10. Rakuten

Rakuten functions a little like an outlet store for 2500 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.

11. 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 over $500.

12. Boxed

Boxed is an app and online service that combines most of the benefits of a warehouse store membership — BJ's, Costco, Sam's Club, etc. — with the convenience of home shopping. Signing up is free, and there is no membership fee — just free shipping in the lower 48 and wholesale prices for bulk amounts of groceries and household products.

13. 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.

14. Honey

This is a browser extension for Safari, Firefox and Chrome rather than a standalone mobile or web app — but it's a potential life-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.

15. CamelCamelCamel

This is a web app and browser extension with a funny name but potentially significant results. It works exclusively with Amazon.com and provides historical overviews for the price of almost every item. If you want to uncover the best times to buy online from Amazon, CamelCamelCamel is an indispensable tool.

16. 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.

18. Bank of America

As the name suggests, “B of A” is one of the biggest financial institutions in the country. And they've recently upped their game for savings and checking account holders by adding a “Keep the Change” feature to their account apps. This rounds up your purchases to a whole-dollar amount and saves these small amounts as deposits to your savings account.

19. 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 earning cash back.

20. Clarity Money


Games that pay you to play (yes, we're serious)
These three apps will pay you to play games on your mobile device.

  1. Solitaire Cube (iOS) - Earning money by playing games on your phone sounds like a dream. But this app really pays you for playing solitaire with cash rewards.
  2. Mistplay (Android) - If you have an android device, you can download this app and start getting cash rewards for playing new games.
  3. Lucktastic (Android and iOS) - This free app offers the same daily scratch-off cards that you find at your local convenience store — but here you can play for free and win real money.

No matter the skill, sometimes we need some coaching — and saving money is no different. With this in mind, 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.

21. 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.

22. 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 of your spending, prioritize your expenses, understand basic and advanced budgeting techniques and save easily for unforeseen emergencies — or just a rainy day.

23. ScoutMob

Many of the apps here focus on eCommerce and digital money management — not ScoutMob. It's all about “local discovery,” helping residents and visitors alike find great local deals on goods, foods and services they might not have known about otherwise.

24. 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.

25. Your Regional Bank or Credit Union's App

To close, let's reflect on the fact that there's often no better way to get a handle on your finances than to make them more accessible. To that end, find out if your regional credit union or bank has a mobile app. If they do, it means you can go everywhere with the means, in your pocket, to move money between accounts, check your balance or identify questionable transactions right when they happen. If saving money is the goal, then keeping your eyes on your money in the first place is step one.

Want free money?

  • Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link. The value of the free share may be anywhere between $2.50 and $500 and fluctuates based on market movements. You’ve got nothing to lose.
Beat Student Loans
BSL helps you discover clever ways to pay off student loans, make extra money, save money, be resourceful and stay curious.

Recent posts

Need Money Now? Here’s How to Get Money and Become a Millionaire

If you find yourself thinking: I need money now! But how can I get money today? Then you’re in the right place. Making money is not a...

Decluttr App Review: How to Get Fast Cash For Your Unwanted Stuff

Decluttr App Review: Do you have old phones, consoles, tablets, & even games or DVDs? If they are just lying around, you can consider...

Get a Free $5 to Invest with this Acorns Sign Up Bonus

Do your coworkers or friends all talk about their investment portfolios? You’ve been meaning to get in the stock game, but how do you...

Learn How Quick Loans Work Before You Borrow

We have all been there, you need the money and you need it fast. Whatever your reason (emergency, car breaks down, medical bills), whatever...

23 Legitimate Ways to Make $60 Fast Right Now

Learn some creative ways to earn money – Seriously. Are you looking to make $60 fast today? Life happens. Sometimes you need some extra cash...
-Advertisement-

Want to Earn Extra Cash This Month?

CompanyWhat You NeedEarning Potential
fundrise trustpilot$500 to Invest in Real Estate8.7 – 12.4% Annual Returns

GET STARTED >>

side hustleswagbucks trustpilot

Smartphone$100+ Per Month

GET STARTED >>

survey junkieSmartphoneUp to $50 Per Survey

GET STARTED >>