Qapital: The Money Saving App

Qapital: The Money Saving App

Save. Invest. Budget.

86K ratings
371 reviews
Free

Details

  • Released
  • Updated
  • March 14, 2015
  • September 16, 2026

Features

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About

Automate your savings, investments, and budgeting with intelligent rules based on your habits. Set unlimited financial goals, track progress, and even team up with a partner on shared objectives. Spend smarter with a dedicated debit card and real-time budget notifications.

Automated savings goals
Smart budgeting rules
Invest in ETFs
Weekly spending card
Partnered goal saving
Progress tracking
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What users say

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+1

What's New in Qapital

5.52.1

September 16, 2026

Resolved an issue that occasionally caused your birthday to shift by a day when updating your account information.

User reviews

Steals your money

My husband and I both downloaded this app when we were saving for our wedding. We hadn’t yet combined our finances and this was the perfect way for us to save “together”! We have multiple little funds for things like pet care, vacations, new cars, etc. We loved it for years, but the last 18 months have completely changed our mind and frankly just want out. It started when my “payday divy” (automatic savings on payday) started acting up and $150 just went missing. After months of arguing with support, and an eventual email from the supposed CEO, I was mansplained how transfers work and were told that despite there not being any record of where this $150 went, to rest assured it was somewhere within my account…. Despite none of my balances changing…Cool. It happened a second time to I’ve been manually moving my money every payday since. Well now my husband and I need to move money around for a large purchase and I tried for three days to transfer my portion of a fund to his card and every single time I try a transfer to him the app freezes. I had to instead transfer the money to my personal bank then Venmo to him stretching out the process by about a week. So if you are looking for an unreliable way to save your money, but not be able to actually touch it, then this app is for you!
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Saving with Qapital for 5 Years

Yes, I’ve been a loyal Qap user for years and to date- $100,000 saved. It’s so helpful because I only see what I have left so I can only use that amount each month. It’s simple and the goal settings makes it easy use regardless of how much you can save. You don’t have to make a lot to save as much as you can. You can round up, take 5 or large withdrawals! I paid off my car in two years! I’ve taught how to use the app to military veterans transitioning out! 10/10
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It used to be great

This was one of my favorite apps and over time they have gotten so greedy. I can’t support this anymore, I’m done!

Very helpful

This app has helped me save when I was not even expecting it

Saver!

Great way to save money, you’ll have extra cash without evening knowing!

Developer apps

User experience

🐞

Reported Bugs

3 issues

App crashes and freezes

Bug

Disconnection issues with bank accounts

Bug

Incorrect or delayed transaction tracking

Bug

Requested Features

5 requests

Ability to exclude certain transactions from savings rules

Feature

More customization options for savings rules

Feature

Faster money transfers

Feature

Improved visibility into joint goal progress

Feature

Free tier or waived fees for long-term users

Feature

FAQ

What does Qapital do?

Qapital is a financial app designed to make saving, investing, and budgeting easier through automation. It uses behavioral economics principles to help users stick with their financial goals by setting up smart rules for transferring money.

What are the key features of Qapital?

Key features include setting unlimited personalized savings goals, creating smart rules for automatic money transfers based on habits, investing in ETFs, spending smarter with a dedicated debit card, and collaborating with a partner on shared financial goals.

How much does Qapital cost?

Qapital offers a 30-day free trial. After the trial, there is a monthly membership fee of $6. Current membership fees can be found on their pricing page.

Is Qapital available on different devices?

While the description doesn't explicitly state compatibility, financial apps like Qapital are typically available on both iOS and Android mobile devices to allow users to manage their finances on the go.

What are common use cases for Qapital?

Common use cases include saving for specific goals like presents, birthdays, vacations, or building an emergency fund. Users can also budget for weekly spending and invest for long-term financial growth.