Best Guac Alternatives in 2026
15 automated savings apps our editors would look at instead of Guac, in our ranking order.
Guac: A free, goal-based savings app with checking sync and rule-driven saving. Where it falls short: no round-up saving feature.
Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. Scores and reviews are set by our editors and never change for payment; paid placements are marked Featured. How we rank.
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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
9.8/10★★★★★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
8.0/10★★★★☆Visit Chip -
PiggyVest not yet scored
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
—not yet scoredVisit 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
9.0/10★★★★☆Visit finbee -
Goin not yet scored
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
—not yet scoredVisit Goin -
Spave not yet scored
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
—not yet scoredVisit Spave -
Best forSavings boxes with AI coaching
A flexible savings app for boxes, round-ups, recurring deposits, and AI guidance.
- Card roundups
- Scheduled transfers
7.0/10★★★★☆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
8.8/10★★★★☆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
6.8/10★★★☆☆Visit Amini -
Tunzi not yet scored
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
—not yet scoredVisit Tunzi -
Nebo not yet scored
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
—not yet scoredVisit 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
7.0/10★★★★☆Visit PayDay -
Best forRound-up investing in Australia
A flexible Australian investing app for round-ups, goals and recurring contributions.
- Card roundups
- Scheduled transfers
5.8/10★★★☆☆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
5.8/10★★★☆☆Visit Albert -
Best forAutomated investing and cash reserves
A mature option for automated portfolios, cash reserves, and retirement planning.
- Interest on savings
- Scheduled transfers
6.8/10★★★☆☆Visit Betterment
Guac Alternatives: Common Questions
What is the best alternative to Guac?
Plum: #1 in our Automated Savings Apps ranking, with an editor score of 9.8 out of 10. A broad savings and investing app with free automation and tiered upgrades.
Is there a free alternative to Guac?
Yes. Plum, Chip, PiggyVest, finbee and Goin have a free plan or a free tier (12 of the 15 alternatives on this page).
What is the cheapest paid alternative to Guac?
Of the alternatives here that publish a price, Qapital starts lowest, at $3/mo.
Guac vs Each Alternative
| # | Tool | Free plan | Paid from | Card roundups | Scheduled transfers | Custom savings rules | Savings goal limit | Score |
|---|---|---|---|---|---|---|---|---|
| not scored | Guac | Yes | — | No | — | Yes | — | — |
| 1 | Plum | Yes | — | Yes | Yes | Yes | — | 9.8 |
| 2 | Chip | Yes | — | — | Yes | — | — | 8.0 |
| not scored | PiggyVest | Yes | None | No | Yes | Yes | — | — |
| 4 | finbee | Yes | — | Yes | Yes | Yes | 20 goals | 9.0 |
| not scored | Goin | Yes | — | Yes | Yes | Yes | — | — |
| not scored | Spave | Yes | None | Yes | Yes | Yes | — | — |
| 7 | SavingsBox | Yes | $4.99/mo | Yes | Yes | — | — | 7.0 |
| 8 | Qapital | No | $3/mo | Yes | Yes | Yes | — | 8.8 |
| 9 | Amini | Yes | None | — | Yes | — | — | 6.8 |
| not scored | Tunzi | Yes | None | No | — | Yes | — | — |
| not scored | Nebo | Yes | None | Yes | Yes | — | — | — |
| 12 | PayDay | Yes | None | Yes | — | Yes | — | 7.0 |
| 13 | Raiz | No | — | Yes | Yes | — | — | 5.8 |
| 14 | Albert | No | — | — | Yes | — | — | 5.8 |
| 15 | Betterment | Yes | $5/mo | — | Yes | — | — | 6.8 |
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026