The Best Automated Savings Apps in 2026
We researched automated savings apps from official websites, including pricing pages, plan tables, and product documentation. Rankings focus on each app’s core savings automation, value for money, and verified features such as transfers, roundups, rules, goals, access, and supported platforms within automated savings.
Our top picks
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Top ranked
Plum#1 of 179.4/10A broad savings and investing app with free automation and tiered upgrades.
Free plan · 30-day trial
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Runner-up
Chip#2 of 179.1/10A flexible UK savings app with AI autosaves, goals, investments and quick withdrawals.
Free plan · 28-day trial
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Top-ranked free plan
PiggyVest#3 of 178.9/10A free savings app with automation, targets, flexible wallets, and fixed-term options.
Free plan
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 17 tools, best first
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Best forBroad automated saving and investing
A broad savings and investing app with free automation and tiered upgrades.
- Card roundups
- Custom savings rules
- Interest on savings
Free plan · 30-day trial Our Plum verdict → Visit PlumFor vendors Sponsor this spot · #1 · $149/mo →9.4/10★★★★★Visit Plum -
Best forAI-powered autosaving with flexible withdrawals
A flexible UK savings app with AI autosaves, goals, investments and quick withdrawals.
- Interest on savings
- Scheduled transfers
9.1/10★★★★★Visit Chip -
Best forFree automated savings with fixed-term options
A free savings app with automation, targets, flexible wallets, and fixed-term options.
- Custom savings rules
- Interest on savings
- Scheduled transfers
8.9/10★★★★☆Visit PiggyVest -
Best forHighly customizable savings rules
A flexible Japan-focused savings app for turning everyday actions into deposits.
- Card roundups
- Custom savings rules
- Interest on savings
Free plan · 30-day trial Our finbee verdict → Visit finbeeFor vendors Sponsor this spot · #4 · $69/mo →8.7/10★★★★☆Visit finbee -
Best forFree multi-method automated saving
A free, broad savings app for automating deposits across several methods.
- Card roundups
- Custom savings rules
- Interest on savings
8.5/10★★★★☆Visit Goin -
Best forFree spending-linked saving and giving
A free mobile app for linking spending, saving toward goals, and donating to nonprofits.
- Card roundups
- Custom savings rules
- Scheduled transfers
8.3/10★★★★☆Visit Spave -
Best forSavings boxes with AI coaching
A flexible savings app for boxes, round-ups, recurring deposits, and AI guidance.
- Card roundups
- Scheduled transfers
8.0/10★★★★☆Visit SavingsBox -
Best forRule-based saving with unlimited goals
A paid mobile app for rule-based saving, shared goals and optional investing.
- Card roundups
- Custom savings rules
- Interest on savings
7.9/10★★★★☆Visit Qapital -
Best forFree scheduled savings and group goals
A free mobile app for scheduled savings, group goals and everyday Nigerian payments.
- Interest on savings
- Scheduled transfers
7.8/10★★★★☆Visit Amini -
Best forFree group and challenge-based saving
A free savings app built around goals, spending prompts, challenges and group approvals.
- Custom savings rules
- Interest on savings
7.7/10★★★★☆Visit Tunzi -
Best forFree round-ups with regional bank coverage
A free mobile app combining round-ups, savings goals, debt tools and financial planning.
- Card roundups
- Scheduled transfers
7.6/10★★★★☆Visit Nebo -
Best forPaycheck-based saving in New Zealand
A free, web-based way to automate paycheck splits, round-ups, and savings.
- Card roundups
- Custom savings rules
7.5/10★★★★☆Visit PayDay -
Best forRound-up investing in Australia
A flexible Australian investing app for round-ups, goals and recurring contributions.
- Card roundups
- Scheduled transfers
7.1/10★★★★☆Visit Raiz -
Best forAll-in-one saving, investing, and budgeting
A broad personal finance app for saving, investing, budgeting, and family money management.
- Interest on savings
- Scheduled transfers
7.0/10★★★★☆Visit Albert -
Best forAutomated investing and cash reserves
A mature option for automated portfolios, cash reserves, and retirement planning.
- Interest on savings
- Scheduled transfers
6.9/10★★★☆☆Visit Betterment -
Best forFree goal saving with checking sync
A free, goal-based savings app with checking sync and rule-driven saving.
- Custom savings rules
6.7/10★★★☆☆Visit Guac -
Best forFamilies teaching children money habits
A free family ledger for allowances, chores, savings goals and money lessons.
- Interest on savings
- Scheduled transfers
6.4/10★★★☆☆Visit Piggo
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Card roundups | Scheduled transfers | Custom savings rules | Score |
|---|---|---|---|---|---|---|---|
| 1 | Plum | Yes | £3.99/mo | Yes | Yes | Yes | 9.4 |
| 2 | Chip | Yes | £65.05/yr | Yes | 9.1 | ||
| 3 | PiggyVest | Yes | Free | No | Yes | Yes | 8.9 |
| 4 | finbee | Yes | Yes | Yes | Yes | 8.7 | |
| 5 | Goin | Yes | Yes | Yes | Yes | 8.5 | |
| 6 | Spave | Yes | Free | Yes | Yes | Yes | 8.3 |
| 7 | SavingsBox | Yes | $4.99/mo | Yes | Yes | 8.0 | |
| 8 | Qapital | No | $3/mo | Yes | Yes | Yes | 7.9 |
| 9 | Amini | Yes | Free | Yes | 7.8 | ||
| 10 | Tunzi | Yes | Free | No | Yes | 7.7 | |
| 11 | Nebo | Yes | Free | Yes | Yes | 7.6 | |
| 12 | PayDay | Yes | Free | Yes | Yes | 7.5 | |
| 13 | Raiz | No | A$2.50/mo | Yes | Yes | 7.1 | |
| 14 | Albert | No | Yes | 7.0 | |||
| 15 | Betterment | Yes | $5/mo | Yes | 6.9 | ||
| 16 | Guac | Yes | No | Yes | 6.7 | ||
| 17 | Piggo | Yes | Free | No | Yes | 6.4 |
Head-to-head All 28 comparisons →
- Plum vs Chip
- Plum vs PiggyVest
- Plum vs finbee
- Plum vs Goin
- Plum vs Spave
- Plum vs SavingsBox
- Plum vs Qapital
- Chip vs PiggyVest
- Chip vs finbee
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How we rank automated savings apps
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update