Guide: Best iPhone Apps To Help you with Your Savings
Every time I get my paycheck it’s like I can splurge and spend for everyone for free. Realistically, this is far from the best way for us to use our money. Savings up money is difficult because we put away large pieces in one sitting and feel robbed, but it definitely doesn’t have to be. Time to build better habits. These apps use the piggy bank method: a little over time can make a big difference | Shutterstock Recently, a slew of apps have come out that promise to fix this problem. Not only do the apps automate your savings, but you don’t even have to think about saving up while it is happening. They work by storing small steps at a time based on your current spending habits. Little by little, it adds up over time and each app has a method for its unique madness. Check out the top three to build up your financial stability for the future. Note: This app only works in the United States.
1. Qapital
Qapital is the latest money-saving entry, and it might just be the best. It’s free to download, easy to use, and has the most features to save up
Qapital can be divided into two main parts: goals and rules. Targets are essentially special collections stored for you up money. One goal could be an Apple Watch, another might be a vacation. You can decide what the target amount is for that purpose and watch it add slowly up It stacks up through the rules you set for each of your goals. The wide variety of possible rules is how Qapital outperforms the competition. The most common is the lapup rule, which is rounds up any purchase you make for your chosen dollar amount; the default is $ 2. That extra money is tucked away in your Qapital account for the purpose you want.
Other rules include a simple Set & Forget where you just set a fixed amount per day, weekly or monthly, an Apple Health rule that triggers a transfer to savings when you reach a health goal, and even the hundreds of possible actions on IFTTT can be done automatically a small amount in your Qapital account. When you are ready to collect your money, you can transfer the savings back to your bank account at any time. I am a user of Qapital and love it so far. I’m especially excited to see my savings grow little by little over time. The app is free for iOS and Android.
2. Grade
Digit works a bit differently from Qapital, but it will probably please skeptics a lot more. All that is required of you in Digit is just the login for your bank account, instead of all your credit and bonus cards. Rather than tracking your expenses and finalizing something upDigit will quietly transfer very small amounts ($ 2- $ 17) from your check to your Digit savings account. It also intelligently tracks your expenses, so if it sees that you’ve been spending a lot lately, it won’t be transferring that much or none at all until you can afford it. Nor will it be in the red.
The great thing about Digit is that you sign up once and then completely forgotten. Qapital, but more feature-rich, is a bit more complicated and requires a bit more maintenance for your goals and rules. Still, you can check it up on Digit anytime by going to the app and chatting with the Digit bot. Send various commands to get updates on your savings, withdraw money and more. You will also receive text messages about your transfers and balance from time to time. Grade is free for iOS.
3. Tip Yourself
Tip You yourself don’t automate your savings exactly like the other apps on this list, but it’s still an honorable mention because it’s so easy to use you’d think it’s automated. Unlike Digit and Qapital, you have to manually decide when to convert small amounts into savings. Think of it as a reward system.
The proposed tips are $ 2, $ 5, or $ 10. Just open the app, tap Tip top right and press the amount you want tipIt will be transferred from your control to your Tip Pot until you are ready to take all the savings. Did you have a great workout today? Tip yourself. Have you had a long business meeting? Tip yourself. It takes you two seconds to give yourself that little reward.
Plus, Tip Yourself comes with a built-in social network so you can see friends and public users like them tip themselves and move towards their own goals. Respond and show your support too. Again, a little goes a long way. Tip Yourself is free for iOS. ALSO SEE: Budge vs. Mint: Which iOS App Is Better at Managing Budgets?
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