Best Spave Alternatives in 2026
The top Spave alternatives are Plum, Chip and PiggyVest: 15 automated savings apps our editors would look at instead of Spave, in our ranking order.
Spave: A free mobile app for linking spending, saving toward goals, and donating to nonprofits. Where it falls short: mobile access is limited to iOS and android.
Switching from Spave? For most automated savings apps buyers the best Spave alternative is Plum, built for broad automated saving and investing. On a budget, Qapital starts at $3/mo. finbee offers the most savings goal limit (20 goals).
Why People Look for a Spave Alternative
- Mobile access is limited to iOS and Android
- Contribution setup depends on connected bank or card accounts
- Its focus is saving and giving rather than broader budgeting
Quick Picks by What You Need
- Best overallPlum9.4
Broad automated saving and investing
Visit Plum - Lowest priceQapital7.9
Paid plans from $3/mo
Visit Qapital - Best free optionPlum9.4
Has a free plan
Visit Plum - Most savings goal limitfinbee8.7
20 goals
Visit finbee
All 15 Spave Alternatives, Ranked
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.
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Best forBroad automated saving and investing
- Better than Spave:
- Editor score 9.4 vs 8.3
A broad savings and investing app with free automation and tiered upgrades.
- Card roundups
- Custom savings rules
- Interest on savings
9.4/10★★★★★Visit Plum -
Best forAI-powered autosaving with flexible withdrawals
- Better than Spave:
- Editor score 9.1 vs 8.3
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
- Better than Spave:
- Editor score 8.9 vs 8.3
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
- Better than Spave:
- Editor score 8.7 vs 8.3
A flexible Japan-focused savings app for turning everyday actions into deposits.
- Card roundups
- Custom savings rules
- Interest on savings
8.7/10★★★★☆Visit finbee -
Best forFree multi-method automated saving
- Better than Spave:
- Editor score 8.5 vs 8.3
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 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
Spave Alternatives: Common Questions
What is the best alternative to Spave?
Plum: #1 in our Automated Savings Apps ranking, with an editor score of 9.4 out of 10. A broad savings and investing app with free automation and tiered upgrades.
Is there a free alternative to Spave?
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 Spave?
Of the alternatives here that publish a price, Qapital starts lowest, at $3/mo.
Why do people look for Spave alternatives?
Mobile access is limited to iOS and Android; Contribution setup depends on connected bank or card accounts; Its focus is saving and giving rather than broader budgeting.
Which Spave alternative has the most savings goal limit?
finbee, with 20 goals.
How do I switch from Spave?
Export your data from Spave (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel Spave.
How to Switch from Spave
- Export your data from Spave (most tools have an export in their settings).
- Sign up for the alternative; start on its free plan or trial if it has one.
- Import your export and set up the integrations your team relies on.
- Run both side by side for a short while, then cancel Spave.
Spave vs Each Alternative
| # | Tool | Free plan | Paid from | Card roundups | Scheduled transfers | Custom savings rules | Score |
|---|---|---|---|---|---|---|---|
| 6 | Spave | Yes | Free | Yes | Yes | Yes | 8.3 |
| 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 | SavingsBox | Yes | $4.99/mo | Yes | Yes | 8.0 | |
| 7 | Qapital | No | $3/mo | Yes | Yes | Yes | 7.9 |
| 8 | Amini | Yes | Free | Yes | 7.8 | ||
| 9 | Tunzi | Yes | Free | No | Yes | 7.7 | |
| 10 | Nebo | Yes | Free | Yes | Yes | 7.6 | |
| 11 | PayDay | Yes | Free | Yes | Yes | 7.5 | |
| 12 | Raiz | No | A$2.50/mo | Yes | Yes | 7.1 | |
| 13 | Albert | No | Yes | 7.0 | |||
| 14 | Betterment | Yes | $5/mo | Yes | 6.9 | ||
| 15 | Guac | Yes | No | Yes | 6.7 |
Head-to-Head
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update