Qapital review
A paid mobile app for rule-based saving, shared goals and optional investing.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Qapital is a mobile personal-finance app for people who want to automate saving, investing and budgeting. Users create unlimited personalized Goals and apply Rules that move money based on card purchases, deposits, paychecks, schedules or other triggers. It also supports roundups, Shared Goals with a partner, transfers to a linked funding account and a Qapital Visa debit card on eligible plans. The app is available on iOS and Android.
Pricing is straightforward but entirely paid after a 30-day free trial. Basic costs $3 per month and includes automated savings, unlimited Goals, Customizable Rules, Shared Goals, instant transfers and notifications. Complete costs $8 per month and adds investment portfolios, the Qapital Visa Debit Card, personalized insights and VIP customer support. Premier costs $12 per month and adds Premier Invest Portfolios on top of the Basic and Complete features. Interest applies to eligible Complete and Premier spending-account balances, not Basic account funds, so the higher tiers matter more to people who want spending-account benefits or investing alongside automated saving.
Qapital’s strongest fit is for savers who want rules to handle recurring decisions across multiple goals, including household goals shared with a partner. Its focus is mobile and automation-led rather than a broad desktop budgeting environment. Funds can be transferred back to a linked funding account, with an express same-day option available for a fee. Choose Qapital if unlimited goals, purchase roundups, paycheck-based saving and optional investing match your routine. Consider another option if a free plan, desktop access or a different withdrawal workflow is more important than rule-based automation.
Qapital pros and cons
- Where it wins
- Unlimited personalized Goals and customizable automatic Rules
- Supports roundups, paycheck saving and Shared Goals
- Paid tiers add investing portfolios and a Visa debit card
- Where it doesn't
- No free plan after the 30-day trial
- Withdrawals go to a linked account and express transfer costs a fee
- Available on iOS and Android, with no desktop platform listed
Qapital fact sheet, pricing and score →
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