Qapital: The Money Saving App

Qapital: The Money Saving App

Save. Invest. Budget.

86K ratings
354 reviews
Free

Details

  • Released
  • Updated
  • March 14, 2015
  • July 30, 2026

Features

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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

5.50

July 30, 2026

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?".

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User reviews

Easy to save!

I’m retired and on a fixed income and it’s not always easy to set aside money for savings. I’ve been saving money through Qapital for approx 5 years and I’m amazed how easy it is!

DO NOT GET APP

Everyone who is assigned to help you is an AI bot, they do not resolve the issue. This app will run you in circles with problems and no results.

Easiest way to save

I’ve been using Qapital for over 7 years and it has helped me save for so many significant things like vacations, Christmas gifts, car repairs and so many others. It makes it so easy to save as much or as little as I want based on my income and budget! Love it!!

Qapital putting saving at ease

Love the many ways to save and how effortless it is to transfer money. Wouldn’t have it any other way!

Perfect Concept, Horrible Service

Every time I’ve had an issue, their customer service has been not only unhelpful, but also slow. I waited 15 minutes for a rep, then took another 30+ minutes. Have been left for over 20 minutes without reply.

They’re unhelpful, poor communicators, absolutely refuse to give refunds.

I experienced this poor service about 5 years ago, then wanted to revisit the app/thought it may have improved.

Since they continue to make it absurdly difficult to get any legitimate support, I will not be dealing with them again.

Look for another similar app, unless you never plan on closing your account, modifying your subscription, having any technical difficulties, or caring where your money is.
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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.