Qapital: The Money Saving App

4.3
21.7K reviews
500K+
Downloads
Editors' choice
Content rating
Everyone
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About this app

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/).
Updated on
9 Sept 2025
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Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.3
21.5K reviews
Jac Sinclair
23 June 2025
Recently had an error where for several weeks Qapital showed a balance of double what I had available. When I went to transfer my available funds I got errors, I transfered what I could and sent a ticket to support. The support team refused to acknowledge that they made a major error. Yes the amount I received was correct but showing a grossly inaccurate balance is unacceptable for a banking app.
9 people found this review helpful
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Qapital
25 June 2025
Hi there! We are sorry to hear about this. We're investigating the issues you've been having and will get them solved. Thank you.
A Google user
14 September 2018
Seems to work fine, i like that there are more rules than just rounding up like acorns has. I dont like how long it takes to pull the money from your account. All these 'change saving' apps say the same thing; it rounds up money so you don't even notice its gone. If you'd actually take it when I made the purchase then I wouldnt notice. When you wait a week and then take $12 out of my account all at once, thats pretty noticeable.
4 people found this review helpful
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Qapital
14 September 2018
Hi Brooke. Thanks for reaching out and we are happy you're enjoying Qapital. If you would like assistance or would like to discuss transfers further, please send an email to support@qapital.com with the subject line “App-review” and we’ll take a look at what’s going on. Thanks!
My pet Grasshopper
24 June 2020
When app works its awesome. I save without knowing I'm saving with this app and I never even miss the money!! Then when I need down payment or something I have it, just transfer to my bank. Only issue I have is that my bank disconnects to often. And in the past month hasn't been connected at all. Its a constant chore to try and keep it connected. The app cannot maneuver the banks security measures. I wouldn't call that "effortless"
5 people found this review helpful
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Qapital
24 June 2020
Thanks for reaching out! I apologize for any issues on your account, but banks may undergo changes on their platform that causes a disruption in our connection, and to resolve this issue, banks may need to be reconnected. If you need further assistance, please e-mail support@qapital.com. Thanks!

What's new

We're always working to make Qapital better for you. This update brings a bunch of improvements and fixes, including:
* We’ve updated our Plaid SDK to the latest version to keep things running smoothly.
* We fixed an issue that was causing the app to crash when you tried to contact support.