Best Money Saving Challenge Apps

209+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

Savings Challenge is the household name in money saving challenge, but it's far from the only option. We track 209+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Money Saving Challenge Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Savings Challenge: Savvy GoalsSavings Challenge: Savvy GoalsFree4.7★ (93)NoYesAug 2026
2Saving Money ChallengeSaving Money ChallengeFree4.8★ (436)NoYesAug 2026
3Loot - Savings Goal & TrackerLoot - Savings Goal & TrackerFree4.8★ (8.8K)YesYesAug 2026
4100 Envelope Savings Challenge100 Envelope Savings ChallengeFree3.5★ (2)YesNoJul 2026
552 Week Money Saving Challenge52 Week Money Saving ChallengeFree4.8★ (2.3K)YesYesAug 2026
652 Week Challenge - Mobills52 Week Challenge - MobillsFree4.7★ (2.8K)YesNoAug 2026
7Money+ Cute Expense TrackerMoney+ Cute Expense TrackerFree4.7★ (3.8K)NoYesAug 2026
8Oportun: Savings & LoansOportun: Savings & LoansFree4.7★ (289K)NoNoAug 2026

Top Picks for Money Saving Challenge

Savings Challenge: Savvy Goals#1

Savings Challenge: Savvy Goals by East Frisia LLC

Money Goal Tracker
Editor's Choice
💰 Finance
4.7(93 ratings)
FreeIn-App Purchases
Savings Challenge: Savvy Goals screenshot 1
Savings Challenge: Savvy Goals screenshot 2
Savings Challenge: Savvy Goals screenshot 3
Savings Challenge: Savvy Goals screenshot 4

This app helps you achieve your financial goals through interactive and customizable savings challenges. Track your progress visually, enjoy rewarding animations, and manage multiple savings plans simultaneously. It's designed to make saving money engaging and tailored to your personal style.

Saving Money Challenge#2

Saving Money Challenge by Mihail Kuznecovs

Daily Envelope Tracker
Strong Contender
💰 Finance
4.8😐(436 ratings)
FreeIn-App Purchases
Saving Money Challenge screenshot 1
Saving Money Challenge screenshot 2
Saving Money Challenge screenshot 3
Saving Money Challenge screenshot 4

This app helps you achieve savings goals through a fun envelope challenge. You can either follow a pre-set 100-envelope challenge to save $5,050 or create your own custom savings plan with a set amount and number of envelopes.

What We Love

  • 👍 Simple and well-done app
  • 💡 Unique individual envelopes
  • 👍 Keeps users motivated
  • 👍 App doesn't link to bank accounts

Room to Improve

  • 🐛 Glitches frequently
  • 🤔 Unclear how money is sourced
  • 🤔 Unclear how to withdraw funds
Loot - Savings Goal & Tracker#3

Loot - Savings Goal & Tracker by Polybit Studio Pty Ltd

Save with a 3D money box
Worth Considering
💰 Finance
4.8😊(8.8K ratings)
FreeAdsIn-App Purchases
Loot - Savings Goal & Tracker screenshot 1
Loot - Savings Goal & Tracker screenshot 2
Loot - Savings Goal & Tracker screenshot 3
Loot - Savings Goal & Tracker screenshot 4
Loot - Savings Goal & Tracker screenshot 5
Loot - Savings Goal & Tracker screenshot 6

This app helps you visualize and manage your savings goals with a personalized 3D money jar. It creates a savings plan, tracks your progress, and sends reminders to keep you motivated. Personalize your jar and enjoy a dark mode option for a rewarding saving experience.

What We Love

  • 🚀 Simple and intuitive
  • 👍 Visually appealing design
  • 💰 Helps track savings progress
  • 🎉 Motivating and fun to use

Room to Improve

  • 🔒 Limited to one goal without paid upgrade
  • 💰 Paid version required for more features
  • 🐛 Bugs with removing/editing goals

More Money Saving Challenge apps to explore

4
100 Envelope Savings Challenge
100 Envelope Savings Challenge
100 Envelope Savings Challenge
Savings challenge tracker app
Free

This app gamifies saving money by turning it into a fun daily habit. It helps users stay motivated to reach their financial goals through a visual tracker and engaging challenges. The app offers various saving modes and works completely offline.

Daily envelope drawVisual savings trackerComprehensive saving goal tracker
💰 Finance
(2)
ad-supported
5
52 Week Money Saving Challenge
52 Week Money Saving Challenge
52 Week Money Saving Challenge
A Fun Way to Save Money
Free

This application helps users build a savings habit through various challenges and goal-setting features. It offers multiple saving methods, progress visualization, and reminders to keep users on track. The app is designed to be user-friendly and accessible, even offline.

Multiple saving challenge modesCustomizable savings goalsProgress visualization with graphs
💰 Finance
(2.3K)
free with in-app purchases
6
52 Week Challenge - Mobills
52 Week Challenge - Mobills
52 Week Challenge - Mobills
Save Money - Personal Finance
Free

This app helps you save money by guiding you through a 52-week savings challenge. It manages your weekly deposit amounts and provides reminders to help you reach your savings goals.

Create custom savings challengesTrack weekly depositsReceive deposit reminders
💰 Finance
(2.8K)
free with in-app purchases
7
Money+ Cute Expense Tracker
Money+ Cute Expense Tracker
Money+ Cute Expense Tracker
Simple & No Ad Budget App
Free

This offline accounting app offers a pure, reliable experience for tracking expenses and managing budgets. It supports multiple ledgers, accounts, global currencies, and provides in-depth financial analysis. Set savings goals and monitor asset trends without any advertisements.

Offline local storageFast transaction recordingMulti-dimensional ledgers
📊 Productivity
(3.8K)
subscription
8
Oportun: Savings & Loans
Oportun: Savings & Loans
Oportun: Savings & Loans
Build savings, track your loan
Free

This finance app helps you reach savings goals by automatically setting aside money based on your income and spending. It also allows existing loan members to easily manage their accounts and payments within the app.

Automated savings towards goalsPersonalized savings based on spendingPause or transfer savings anytime
💰 Finance
(289K)
subscription
9
NoSpend - Save Money Challenge
NoSpend - Save Money Challenge
NoSpend - Save Money Challenge
No Spend Streak Habit Tracker
Free
🌟 Lifestyle
(0)
10
Piggy Goals: Money Saving
Piggy Goals: Money Saving
Piggy Goals: Money Saving
Start Saving Money Now!
Free

This app helps you save money through a virtual piggy bank or by setting custom savings goals. Track your progress with visual aids and receive helpful reminders to stay on track with your financial objectives.

Virtual piggy bank for deposits and withdrawalsSet daily, weekly, or monthly savings goalsProgress visualization with graphs and animations
🔧 Utilities
(2.7K)
free with in-app purchases
11
Spending Tracker
Spending Tracker
Spending Tracker
Take Control Of Your Money
Free

Easily track your expenses and income to gain control over your finances. Set budgets, view spending summaries, and generate reports with interactive charts. Take the first step towards saving money by understanding where your money goes.

Simple and intuitive interfaceFlexible time period tracking (Weekly, Monthly, Yearly)Budget mode with carry-over
💰 Finance
(19K)
free with in-app purchases
12
Money Challenges
Money Challenges
Money Challenges
Two challenges to save money
Free

This app offers a unique savings method with 100 buttons, each representing a monetary amount to set aside. Users can choose intervals to mark buttons and accumulate a total of 5050 in their chosen currency. Customization options allow for adjusting button amounts to reach higher savings goals.

100 savings buttonsCustomizable intervalsCurrency selection
🌟 Lifestyle
(5)
free
13
Money Goals: Savings Box
Money Goals: Savings Box
Money Goals: Savings Box
Save Money with Goal Tracker
Free

Track personal savings and set financial goals with this intuitive app. Visualize your progress with custom images and receive reminders to stay on track. It's designed to help you achieve your dreams, big or small.

Set and track money goalsAdd photos to visualize goalsIntuitive user interface
💰 Finance
(1.1K)
free with in-app purchases
14
52 Week Challenge
52 Week Challenge
52 Week Challenge
The easy way to save money
Free

This app helps you achieve financial goals through a structured savings plan. It offers a gradual progression system, allowing you to save a significant amount over a year with customizable weekly contributions and smart tracking tools.

52 Weeks or Monthly ChallengeCustomizable Financial GoalsSmart Financial Tracking
💰 Finance
(71)
free with in-app purchases
15
Qapital: The Money Saving App
Qapital: The Money Saving App
Qapital: The Money Saving App
Save. Invest. Budget.
Free

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 goalsSmart budgeting rulesInvest in ETFs
💰 Finance
(86K)
subscription
16
Simple piggy bank
Simple piggy bank
Simple piggy bank
Save money for your dreams
Free

This app helps you manage your money and reach savings goals faster. Create personalized savings plans with visual progress tracking and motivational widgets to stay on track for your dreams.

Effortless money trackingPersonalized piggy banks for multiple goalsVisual progress tracking with bars
💰 Finance
(0)
free
17
Money Saving Days Challenge
Money Saving Days Challenge
Money Saving Days Challenge
Save money easier
Free
$0.99 | 100% OFF

This app simplifies financial goal achievement by transforming any objective into a straightforward, daily system. It offers customizable saving challenges, visual progress tracking, and smart reminders to help users stay consistent and focused without complex budgeting.

Customizable saving challengesVisual progress trackingSmart reminders
💰 Finance
(1)
free
18
YNAB
YNAB
YNAB
Never worry about money again
Free

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

Create and share unlimited spending plansAutomatically import transactionsManually add transactions
💰 Finance
(61K)
subscription
19
Cleo AI: Cash Advance & Budget
Cleo AI: Cash Advance & Budget
Cleo AI: Cash Advance & Budget
Credit Builder & Savings Goals
Free

This AI-powered financial assistant helps you manage your money through conversational chat. It offers budgeting tools, savings accounts with high APY, credit building features, and cash advances without interest or credit checks.

AI-powered financial chatBudgeting and spending trackingCash advances up to $250
💰 Finance
(251K)
freemium
20
52 Weeks Money Challenge
52 Weeks Money Challenge
52 Weeks Money Challenge
Save $1400 in 52 weeks !
Free

This app guides you through a structured savings plan to accumulate over $1,300 in a year. It begins with small weekly contributions that gradually increase, helping you build savings for emergencies or specific goals.

Structured 52-week savings planGradually increasing weekly savings amountsHelps build emergency funds
💰 Finance
(3)
free

FAQ about Money Saving Challenge

What are the best money saving challenge apps for iPhone?
Savings Challenge: Savvy Goals tops our money saving challenge apps ranking as of July 2026, with a 4.7-star average from 93 App Store ratings, and it's free to download.
Yes — 20 of the top money saving challenge apps we rank are free to download, including Savings Challenge: Savvy Goals and Saving Money Challenge.
Savings Challenge: Savvy Goals has no ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 209+ money saving challenge apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Savvy Goals offers a 52 Week Challenge for incremental savings, a 100 Envelopes Challenge with randomized amounts, and the ability to create custom challenges with your own target amounts and timelines.
The app features visual progress tracking where colorful cards fill up as you save. It also provides satisfying animations like 'Pulse & Pop' effects and haptic feedback for each savings milestone.

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