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17 Best Money Saving Apps in September 2021

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Saving money is a crucial part of building wealth or meeting certain financial goals. If you aren’t saving money, it’s important to start as soon as possible.

Saving your money gives you more freedom and opportunity. For example, it allows you to invest more, go on more vacations, and be a more generous person. Saving money has become easier thanks to money saving apps and websites. Most of which are free and available at your fingertips.

Here are 18 of the best money saving apps you can find. These apps make saving toward your financial goals easier, and in some cases, faster.

Summary of 17 Best Money Saving Apps in September 2021

Product

Rating

Best for

Promotion

Learn more

4.1
4.1/5

Acorns

Our rating
Best for
Purchase roundups
Promotion

$5

upon signup
on Acorns's website

Why we like it

Acorns is one of the most popular money-saving apps on the market. And for a good reason. Not only does it help you automate your savings, but it also automatically invests your money.

Acorns automatically rounds up every purchase you make to the nearest dollar and adds the difference to your Acorns account. That money is then added to a portfolio of your choice and invested on your behalf. Why is that so great, you ask? Because on top of saving money, you are also making more money from your investments.

This is much better than your money just sitting in a low-interest bank account where it is actually losing value due to inflation. With Acorns, depending on the portfolio you chose, you will see gains of up to 10% on your savings. Compare this to the 0.01% gains you would get if you’re money was sitting in a traditional savings account.

Acorns also has a checking account that comes with an Acorns Visa debit card. This means you can buy groceries and pay bills right from your Acorns account.

Pros

  • Automated investing removes complexity for beginners
  • Automatically invest spare change into the stock market
  • Educational resources available

Cons

  • High fees for smaller accounts
  • Limited portfolio options
4.6
4.6/5

Stash

Our rating
Best for
Automatic saving
Promotion

$5

upon signup
on Stash's website

Why we like it

What’s unique about Stash compared to other similar apps is that Stash allows you to control your investments.

You see, a micro-investing app like Acorns will choose your investments for you based on the risk profile you select. Although Stash does narrow your investment options, ultimately, it’s up to you to decide where your money goes.

Stash also includes many of the same features that you can find in Acorns such as round up automated savings and an online checking account.

Pros

  • Build your own portfolio from scratch
  • Fractional shares available
  • Socially responsible investment options

Cons

  • High expense ratios on ETFs
  • No tax-loss harvesting
4.2
4.2/5

Mr. Rebates

Our rating
Best for
Cash back offers
Promotion

$7.50

upon sign up
on Mr. Rebates's website

Why we like it

Mr. Rebates is a cash back website with offers at over 3,000 stores. Shop popular retailers like Walmart, Target, Kohl’s, and more.

Mr. Rebates has been saving millions of people money since 2002. It’s a legitimate way to earn cash back while shopping online. With over 3,000 online retailers to shop from, your favorite store likely has cash back offers. Sign up for Mr. Rebates today and get a $5 signup bonus when you make your first purchase through the website or browser extension.

Pros

  • Over 3,000 stores with cash back offers
  • Mobile app lets you earn cash back anywhere
  • You get a signup bonus after your first purchase

Cons

  • Cash back is only paid out once a month
  • Not all items are eligible for cash back
4.8
4.8/5

Rakuten

Our rating
Best for
Cash back shopping online
Promotion

$10

after your first purchase
on Rakuten's website

Why we like it

Rakuten (formerly Ebates) is a browser extension that gives you cash back when shopping online at your favorite stores.

You can earn from 1% up to 40% cash back on just about everything purchased through the Rakuten extension or website.

Rakuten has partnered with thousands of stores, including huge names like Amazon, Best Buy, Nordstrom, Target, and Nike.

Similar to Honey, which I mentioned above, using Rakuten is basically getting free money. If you shop online a lot, you can easily save anywhere from a few hundred dollars to a few thousand dollars per year.

Using it is simple. When you download the browser extension, anytime you shop online, Rakuten will check for cash back rewards during check out. If there is a cash back opportunity, you’ll see a popup indicating that your purchase is eligible for cash back.

Rakuten can also be used for in-store purchases. Simply link your credit card to the mobile app or website and activate the in-store offer.

When making in-store purchases, it can take anywhere from a few hours to days to confirm your purchase and get your cash back.

Pros

  • 2,500 stores with cash back offers.
  • Easy to use website and mobile app.
  • Cash back savings from over 2,500 stores and brands, including Nike, Walmart, Target, Chewy, and a lot more.

Cons

  • Cash back is paid out quarterly.
  • Not all items at an eligible store are eligible for cash back
4.7
4.7/5

TopCashback

Our rating

4.7 / 5

Best for
Cash back offers
Promotion

None

on TopCashback's website

Why we like it

Pros

  • No minimum payout amount — Unlike many other cash back websites, TopCashback does not have a minimum payout amount for direct deposits to your bank or PayPal. You can redeem your cash back even if you only have $0.01.
  • Over 4,400 stores — TopCashback has partnered with over 4,400 stores, including Walmart, Amazon, Target, and more. That’s more stores than any other cash back service.

Cons

  • No in-store cash back options — TopCashback only works for online shopping. Since most people don’t shop 100% online, this could limit your earning potential. For in-store cash back, check out Rakuten or Ibotta.
  • No signup bonus — Most cash back websites will incentivize you to sign up by offering a cash sign up bonus. TopCashback doesn’t do this.

Frequently asked questions

What is the best app for saving money?

The best app for saving money is the app that works for you and helps you to meet your financial goals. Some people prefer a more passive approach to saving and like the features offered on apps such as Acorns and Drop. Others prefer a more hands-on approach with apps like Personal Capital and YNAB.

Here’s a list of the best apps for saving money:

Acorns — Best if you’re a new investor
Stash — Best if you have some experience investing
Personal Capital — Best if you need robust finance tools
Qapital — Best if you want a modern and fun tool for banking and saving
Honey — Best if you want automated coupons at checkout online
Rakuten — Best if you want to get cash back when shopping major brands
Ibotta — Best if you want to save on groceries
Drop — Best if you want to save money passively
Dosh — Best if you want to make money doing everyday things
Truebill — Best if you want to manage your subscriptions
YNAB — Best if you want a new way of budgeting
Cleo — Best if you want to make budgeting fun
Goodbudget — Best if you prefer a basic budgeting tool
Pocketguard — Best if you want a modern solution for budgeting
Digit — Best if you prefer to not think about saving
Mr. Rebates – Best for cash back offers
TopCashback –Best for cash back offers

Are money saving apps safe?

As long as you are using money saving apps developed by reputable companies, yes they are safe. Any app that requires you to connect your bank account or credit card will be equipped with encryption technology to keep your information safe from hackers and cybercriminals.

Our methodology

To determine which money-saving apps offer the best user experience, The Investor Post analyzed over 24 top apps that offered features that will help you save money. We look at several factors including pricing, features, and other user reviews and ratings.

We narrowed down our rankings to only include the apps that would provide you with the best possible experience and help you accomplish your savings goals. Not all of the apps on this list provide similar features. Some apps are specifically for managing your budget and providing you with tools to help you save more money, while other apps are used to find cash back offers and coupons while shopping online and in-store.

The one thing that all the apps on this list have in common is that they can help you to save more money in some way.

About the author

Joshua Mayo is the founder of The Investor Post, runs a self-branded YouTube channel, and is an avid investor and entrepreneur.

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