# Qapital: The Money Saving App — Save. Invest. Budget. > Automated savings, investing, and budgeting app with goal setting and partner features. (iPhone/iPad app by Qapital, LLC.) - Source: https://appshunter.io/ios/app/qapital-the-money-saving-app/id969977669 (this page in markdown: same URL + `.md`) - Developer: [Qapital, LLC](https://appshunter.io/developer/969977668) - Category: Finance - Price: Free - Rating: 4.80/5 from 85,804 App Store ratings · 365 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 577 MB - Languages: American English - Released: 2015-03-14 - Data updated: 2026-08-29 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/qapital-the-money-saving-app/id969977669/reviews.md ## What is Qapital? Save money, invest, and budget automatically with Qapital – an app that makes financial decision-making easier on the brain. Studying behavioral economics taught us that humans are simply not wired to process tradeoffs between spending now and saving for later. So, we put together a team of product experts and finance pros to build automated money management solutions that are simple to use and easy to stick with. Try Qapital free for 30 days, then $6/month. ***** Qapital helps you to put away a little bit every week. It’s the easiest way to save for things like: presents, birthdays, vacations, and emergency funds. 1. Set unlimited money saving goals Set as many goals as you’d like, personalize them, move money to them automatically, and track your progress as you go. 2. Budget with smart rules Qapital transfers money from your checking account to Qapital savings using the rules you set. We help you build rules around habits you already have. That way, you can save when you buy a treat, or go for a run. 3. Save money & invest in ETFs Automatically set money aside for savings and investing goals when you get paid, when you shop, or whenever works best for you. 4. Spend smarter Set money aside for weekly spending with the Qapital Visa® debit card. Shop anywhere Visa® is accepted, get cash from ATMs world-wide, and get notified when you’re close to your weekly budget. 5. Invite a partner and team up on your goals Qapital Dream Team™ lets you save toward shared goals and see one another’s transactions without giving up your individual accounts. You decide what’s shared and what’s private, always. ***** Qapital is a fintech company, not an FDIC-insured bank. Checking account provided by Lincoln Savings Bank, Member FDIC. Visa® debit card issued by Lincoln Savings Bank, Member FDIC. Deposit insurance covers the failure of an insured bank. Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. Brokerage services provided to Qapital Invest clients by either (i) Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC or (ii) Wedbush Securities Inc., an SEC-registered broker-dealer and member FINRA/SIPC. Qapital will deduct a monthly membership fee after any applicable free trial ends and you connect a bank account. Current membership fees can be found at https://www.qapital.com/pricing. For full details, see Qapital’s Terms and Conditions (https://www.qapital.com/terms/) and Privacy Policy (https://www.qapital.com/terms/privacy-policy/). ## Key features - Automated savings goals - Smart budgeting rules - Invest in ETFs - Weekly spending card - Partnered goal saving - Progress tracking ## What do users think of Qapital? Overall sentiment: positive **Pros** - 💰 Effective savings tool - 📈 Helps build good financial habits - 🤝 Useful for joint savings goals - 🤖 Automated savings rules - 💳 Convenient debit card - 🚀 Easy to use interface **Cons** - 🕰️ Slow money transfers - 🔒 Difficulty reconnecting bank accounts - 💰 Unexpected fees/charges - 🤝 Lack of visibility into joint goal contributions - 🤖 Inflexible savings rules **Commonly reported bugs** - App crashes and freezes - Disconnection issues with bank accounts - Incorrect or delayed transaction tracking **Most requested features** - Ability to exclude certain transactions from savings rules - More customization options for savings rules - Faster money transfers - Improved visibility into joint goal progress - Free tier or waived fees for long-term users ## Recent user reviews (10 of 365) All indexed reviews: https://appshunter.io/ios/app/qapital-the-money-saving-app/id969977669/reviews.md ### 5/5 — Great savings app *2026-08-23, version 5.51* I would definitely recommend this app as you save money and don’t even feel it. The round up rule is great! The $52 week rule helps it add up fast also! ### 5/5 — Best app *2026-08-23, version 5.51* Excellent app for save money ### 5/5 — JB *2026-08-23, version 5.51* Great way to save money ### 5/5 — Credit union *2026-08-23, version 5.51* I’m sooo sad to say that I’ve had Qapital for about 3 months and saved almost $300, but unexpectedly my bank and Qapital stopped syncing, so now i can no longer keep saving money which is very frustrating. Qapital has been great trying to help me but we have been unsuccessful. ### 3/5 — Love Qapital, Would Love More Innovative Features *2026-08-18, version 5.51* I really like Qapital, and I’ve been a member for many years. That’s actually why I wanted to write this review. There’s something about Qapital that I’ve always liked. It doesn’t feel like just another banking app. The whole idea behind it, making saving visual, giving your money different goals, and making the process feel simple, has always been really creative :-) I especially love the Funding section and Payday Divvy. Being able to put money into my Spending account and then divide it between different savings goals is one of my favorite parts of Qapital. I love how that works now, and honestly, I wouldn’t want you to change it What I really want is to see more of that creativity throughout the app. Over the years, I feel like a lot of the core experience has stayed pretty similar. I know you’ve continued updating the app, and I’ve noticed newer things like Ask Qapital and the personalized insights. I actually like seeing that because it shows me there are still new ideas being explored. I just wish there was more of it. More features. More sections to explore. More creative ways to save, organize money, track progress, interact with our goals, and understand our finances. Things that make longtime members open the app and think, “Oh wow, they added this?” I’m not saying Qapital needs to become complicated. Please keep the simplicity. That’s part of what makes it beautiful. And please keep the features that already work well. I just feel like there is so much potential here that hasn’t been explored yet. After being with Qapital for so many years, I don’t want to just watch the app stay comfortable with what it already is. I want to watch it grow. I want to see what the team can come up with next. Ask Qapital feels like a step in that direction, and I hope you keep going. You already built something that people like me have stayed with for years. That means something. There’s a really good foundation here. Don’t lose what makes Qapital Qapital. Just keep building on it. I really believe this app could become so much more while still keeping everything that makes it simple and special today. I hope the team sees that potential too ### 5/5 — Fantastic app to help you save *2026-08-17, version 5.50* We love using this app to help us save for vacation, pet grooming, you name it. Anything that you want to put aside money and it doesn’t feel so painful when it’s just rounding up every time you buy something or putting a little bit each week. ### 2/5 — Canceled account with no warning *2026-08-16, version 5.51* I enjoyed the app as kind of a set and forget about savings thing. It came in clutch a few times when I was in a pinch. The only problem I had before was how long it would take to get the money transferred back to my account. Sometimes it took 3-4 days. Recently I tried to login and it wouldn’t let me. Turns out because after a few years of using this. All of a sudden they needed my SSN updated.. there was no warning of cancelation if not completed. I just had a baby and life happened. I don’t check my emails every single day unless I’m expecting something. They canceled my account and I’m waiting on what ever funds were in there. ### 5/5 — Can’t complain *2026-08-16, version 5.51* Great app! Love setting it and forgetting it then when I check it I have a nice little chunk of change for whatever I want ### 5/5 — Great! *2026-08-16, version 5.50* Wonderful app for saving! ### 1/5 — Deleted my account without notice and kept my money *2026-08-12, version 5.50* This has been an incredibly frustrating and unacceptable experience. Qapital deleted my account without giving me proper notice, while I still had money saved in my Goals. Even worse, when I contacted customer service, I received inconsistent explanations about why and when my account was deleted. The story seemed to change depending on who I spoke with. When a company is handling someone’s money, transparency and consistency should be the bare minimum. Instead, I was left trying to get basic answers about what happened to my account and my savings. I am extremely disappointed with how this was handled and with the lack of clear communication from customer service. This experience has completely destroyed my trust in Qapital. ## Frequently asked questions about Qapital ### 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. ## Version history (last 5 releases) ### 5.51 — 2026-08-14 This update includes minor bug fixes and general performance improvements to ensure a smoother, more reliable experience. ### 5.50 — 2026-07-30 We are updating our sign in experience to give you a more secure app. This update removes the sign in with Google option and moves to a standardized email and password login. Next time you open the app, you will be prompted to create a password. Once it is set up, you will use your email and password to sign in. Rest assured that your account, savings, investments, and rules remain exactly the same. Ask Qapital Improvements: We made improvements to the initial Ask Qapital experience, your ultimate tool for instant financial insights. See what your money is doing by simply tapping one of our preset questions to get quick answers to things like "How much did I spend this month?" or "How are my rules doing?". ### 5.49.1 — 2026-07-21 Login issue resolved: We fixed a bug that caused some users to have issues when signing in with FaceID. ### 5.49 — 2026-07-15 - Bug Fixes: We squashed some bugs related to updating personal information in the app. Because of this, some users may be prompted to resubmit their SSN to keep everything accurate and secure. - Ask Qapital Improvements: We made general improvements to Ask Qapital, your ultimate tool for instant financial insights. See what your money is doing by simply tapping one of our preset questions to get quick answers to things like "How much did I spend this month?" or "How are my rules doing?". ### 5.48.3 — 2026-07-10 Fixed Notification Tapping: We fixed a bug that prevented the notification button from responding when tapped. You can now open your notifications without any issues. ## Apps similar to Qapital | App | Rating | Price | Category | | --- | --- | --- | --- | | [Checkbook - Account Tracker](https://appshunter.io/ios/app/checkbook-account-tracker/id484000695) | 4.3 (14,252) | Free | Finance | | [Ally: Bank, Auto & Invest](https://appshunter.io/ios/app/ally-bank-auto-and-invest/id514374715) | 4.7 (112,030) | Free | Finance | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,413) | Free | Finance | | [SoFi: Bank, Invest & Crypto](https://appshunter.io/ios/app/sofi-bank-invest-and-crypto/id1191985736) | 4.7 (385,475) | Free | Finance | | [EveryDollar: Budget Management](https://appshunter.io/ios/app/everydollar-budget-management/id942571931) | 4.7 (84,039) | Free | Finance | | [Monefy: Bills & Money Tracker](https://appshunter.io/ios/app/monefy-bills-and-money-tracker/id1212024409) | 4.7 (6,638) | Free | Finance | ## More apps by Qapital, LLC - [Wedbush Next](https://appshunter.io/ios/app/wedbush-next/id6670759712) - [Wedbush Next: Savings Evolved](https://appshunter.io/ios/app/wedbush-next-savings-evolved/id6744538711) All apps by Qapital, LLC: https://appshunter.io/developer/969977668 ## Related topics [money saving app automatic](https://appshunter.io/ios/topics/money-saving-app-automatic) · [money saving app help](https://appshunter.io/ios/topics/money-saving-app-help) · [money saving app banks](https://appshunter.io/ios/topics/money-saving-app-banks) · [qapital](https://appshunter.io/ios/topics/qapital) · [money goal planner](https://appshunter.io/ios/topics/money-goal-planner) · [foyer home savings](https://appshunter.io/ios/topics/foyer-home-savings) · [boodleit](https://appshunter.io/ios/topics/boodleit) · [saveet app](https://appshunter.io/ios/topics/saveet-app) · [money planner saving](https://appshunter.io/ios/topics/money-planner-saving) · [saving account](https://appshunter.io/ios/topics/saving-account) · [savings app chart](https://appshunter.io/ios/topics/savings-app-chart) · [money saving app goals](https://appshunter.io/ios/topics/money-saving-app-goals) · [hnd saving](https://appshunter.io/ios/topics/hnd-saving) · [matson money](https://appshunter.io/ios/topics/matson-money) · [rebel savings](https://appshunter.io/ios/topics/rebel-savings) · [albiladverse](https://appshunter.io/ios/topics/albiladverse) · [matson money events](https://appshunter.io/ios/topics/matson-money-events) · [alat xplore](https://appshunter.io/ios/topics/alat-xplore) · [money mindset for young adults](https://appshunter.io/ios/topics/money-mindset-for-young-adults) · [savings apps](https://appshunter.io/ios/topics/savings-apps) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*