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Qapital: The Money Saving App

Qapital: The Money Saving App

Save. Invest. Budget.

86K ratings
395 reviews
💰 Finance
Free

Details

Released
March 14, 2015
Updated
October 21, 2026

Features

Developer

Qapital, LLC
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Reviews summary↘︎
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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 about Qapital

Reviews of Qapital are mostly positive: the Finance app is rated 4.8/5 from 86K App Store ratings. What users like most: effective savings tool, helps build good financial habits. Top complaints: slow money transfers, difficulty reconnecting bank accounts. Summarized from real user reviews.

Positive things

  • 💰Effective savings tool
  • 📈Helps build good financial habits
  • 🤝Useful for joint savings goals
  • 🤖Automated savings rules
  • 💳Convenient debit card
  • 🚀Easy to use interface

Negative things

  • 🕰️Slow money transfers
  • 🔒Difficulty reconnecting bank accounts
  • 💰Unexpected fees/charges
  • 🤝Lack of visibility into joint goal contributions
  • 🤖Inflexible savings rules
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+1

What's New in Qapital

5.54

October 21, 2026

What’s New: - Fixed an issue that caused some users to get stuck 'In Review' upon sign-in so you can access your account seamlessly. - Resolved a crash when managing disconnected accounts after changing your funding bank. - Corrected graph colors for Invest performance trends, along with UI improvements across Ask Qapital.

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User reviews

Most RecentHighest RatedLowest Rated

Eve24

I tried to close my account but didn’t let me to log in on the app
LALa Evelyn Arita

Qapital is Amazing!

Thanks to the Qapital app, I was able to meet my Christmas saving goal by March! I don’t usually have my Christmas money for gifts until November. This app is a serious game changer. I love it. I wish I had started using it years ago.
DODionne's Honest Opinion

Save, save, save

I love this because I have a little money when I need it!!
GGGrimpie G

Tweetyb71

I love this app!!!
Ttweetyb71

Super useful app

My friend recommended this app to me as a way to save money without realizing that I'm saving. There are so many different ways to set up your savings. My friend has it set where every time she runs a mile, it put money in her savings. I have the guilty pleasure rule set, so every time I go to Starbucks, it puts away $5. Every time I shop on Amazon it puts away $2. They have round to save. They have a rule that allows you to put away a percentage of your check. There are so many ways to save and I absolutely love it.
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AApparentlyMyNameIsInUse
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Developer apps

Wedbush Next
Wedbush Next

by Qapital, LLC

💰 Finance

(1)

Free
Wedbush Next: Savings Evolved
Wedbush Next: Savings Evolved

Save. Spend. Invest.

💰 Finance

(2)

Free
See 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.