Qapital: The Money Saving App

Qapital: The Money Saving App

Save. Invest. Budget.

86K ratings
365 reviews
Free

Details

  • Released
  • Updated
  • March 14, 2015
  • August 14, 2026

Features

Qapital: The Money Saving App screenshot #1 for iPhone
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Qapital: The Money Saving App screenshot #10 for iPhone
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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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What's New in Qapital

5.51

August 14, 2026

This update includes minor bug fixes and general performance improvements to ensure a smoother, more reliable experience.

User reviews

Great savings app

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!

Best app

Excellent app for save money

JB

Great way to save money

Credit union

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.

Love Qapital, Would Love More Innovative Features

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
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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.