Join our mailing list to find out more ways to make and save money with little time and effort.

Save Money

Top 10 Best Money Saving Apps To Use In 2019

Top 10 Best Money Saving Apps To Use In 2019
Tracy Stine Jan 31, 2019
Want to Earn Some Extra Money?

top money saving apps 2019We’ve shown you the top money making apps to use in 2019, now it’s time to feature the top apps that will save you money in the new year.

Combining money making opportunities with money-saving strategies would surely make it easier on your budget and improve your financial situation over time.

Some of the figures may seem small and insignificant but you need to keep in mind that it’s money you didn’t have before.

Now, here are the top 10 best money-saving apps to use in 2019:

1. Acorns

We have mentioned Acorns many times on FFL because we know it’s a great app.

Acorns saves your money in several ways:

  • Round-ups: Every time you purchase something, Acorns will round the amount up to the nearest dollar ($2.35 becomes $3 and 65¢ is saved)
  • Automatic Investments: Acorns can automatically invest the amount and frequency you set up
  • Manual Investments: You can decline to do the first 2 choices and deposit any amount you choose anytime.

First start with a $5 sign up bonus when you register, connect your bank accounts, then complete your personal and financial profiles. Then set up your investment portfolio and partake in Acorns other offers such as their shopping offers, refer a friend, debit cards, retirement accounts, and more.

There is a $1 monthly fee (waived if you’re a student) and a limit of 5 portfolio types but it’s a great beginner app for those with very little understanding of investing.

It’s hard to tell how much you can make on Acorns because of the different types of portfolios and other factors, but let’s take a look at the round-up option.

The average American make 47 transactions per month, let’s say all of them were rounded up by 50¢ – that’s $23.50 saved in a month. In a year you would have saved $270 ($282 – $12 in fees), not bad for just doing your regular shopping.

2. Digit

Another good “automatic” savings app is Digit.

This app works by tracking everything that happens with your money – your income and spending, then suggests a savings plan that fits you. It will automatically withdraw that amount into a savings account that earns 1% annual interest.

There is a $2.99 monthly fee, but they do offer a 30-day free trial to see if this fits your lifestyle and the amounts being saved is worth the fee. They also offer a 100-day money back guarantee as well.

Because Digit analyzed your earnings and spending, the amount it withdraws won’t affect your regular routine or budget, which is a great advantage.

The amount varies by the time period, for example week one is full of bills to pay so it withdraws less, week three is a quiet week so it withdraws more.

Digit claims that the average savings transfer is $18, but can be anywhere from $5 to $30. Let’s use the $18 as an example – in one year you’d have saved $235.17.

3. Chime Bank

We all know too well the various fees and charges incurred at banks. One good way to make money and avoid fees is to use Chime Bank.

Chime Bank charges almost no fees to its customers, and part of the reason is that Chime has no brick and mortar locations, it is strictly an online bank.

You simply open a Chime account using your email address, enter some information including your address, and after Chime verifies your information and approves your account.

Once approved, your Chime Debit card will be mailed out to you within ten days.

They offer checking and savings accounts and more. There are several big differences between Chime Bank and the standard banking account and these are:

  • Checking: Earn cash back on your Chime Debit card
  • Savings: Opt-in to have 10% of each direct deposit transferred to savings
  • Round-ups: Like Acorns, Chime Bank offers to round up each purchase to the nearest dollar and deposited into your savings
  • Rewards: Each week, Chime will give you a 10% bonus on the amount of your roundups. If your roundups were equal to $5, Chime would give you $0.50 for free

How much can you save with Chime Bank? Let’s imagine that you started with $100 in savings. You earn 10% of your deposits – $1,000 monthly, that’s $100 transferred to savings, now add the round-up amount of $5 plus the 50¢ bonus reward a month. In one year you have saved $1,366.07.

4. Trim

Need your very own financial assistant? Check out the Trim app, it will analyze all the accounts linked to it and suggest ways to cut back on your spending.

Not only will Trim suggest ideas such as canceling subscriptions or cut back on those Starbuck coffees, but it will also hunt around for better deals on all your service providers. Trim will find lower internet services, car insurance, and other amenities.

You need not worry as Trim sends regular texts to let you know how your accounts are doing and any changes that have been made.

How much can you save with Trim depends on your expenses and the availability of services in your area – if you only have 3 internet companies available to you, Trim may not be able to do much there.

But one user claimed that she saved $240 in one year by using this app.

5. Stash

Another easy for beginners investing app is called Stash. Stash Invest is a registered investment advisor and they’ll help guide you in making the best investment choices based on your financial goals.

It only costs $5 to start investing (and get a $5 sign-up bonus) and there are no commission fees. It costs $1 a month (with the first month free) for investments under $5,000. Once your account reaches $5,000 it’s then 0.25% of your account per year ($12.50 a year for a $5,000 portfolio).

So, how much can you make with Stash? Again, this depends on how much you invest and in which stocks. One reviewer claimed to have made $2,840 in one year.

6. Clarity Money

Clarity Money is another personal finance management tool that uncovers your spending habits and suggests where to cut and save.

It works the same way as Trim does, analyzes your spending habits and cuts out extra spending and cancels subscriptions and negotiates to lower your bills.

There is no sign up or opening fees for using Clarity Money, but they do charge a one-time fee that’s 33% of your annual savings you gained from their negotiations – for example they lowered your cable bill by $10 a month, saving you $120 a year, they’ll charge you $40.

Clarity Money is still new to the money-saving scene, but they claim the average amount their users saved was about $300 a year.

7. Mint

Not exactly a money saving app, but Mint is a budgeting app that will help you stay on top of all your bills.

Mint allows you to see all of your balances and transactions together. All of your financial information is displayed on one picture, making it incredibly simple to balance your budget. It also can track your spending habits and categorize everything for you. It also gives you tips on what areas you can reduce your spending.

Because you’re budgeting and watching where you spend your money, this is a good way to save money buy not “blowing” your set budget.  Mint will also help you pay your bills on time – another money saver as you avoid late fees and suffer higher interest rates.

8. Qapital

The goal of using Qapital is to help you reach certain financial goals – saving up for a new car, a new vacation, or just to save more money.

Qapital works the same way as Acorns and Chime Bank with the round-ups. Rounding up each purchase made on all your linked cards to the nearest dollar and transfers it to it’s own savings account.

You can start saving by claiming their $5 sign-up bonus and connecting your bank account to your Qapital account. Make extra free money by referring friends and make $5 per friend.

There are no fees for using this app but your bank may charge transfer fees for transferring the round-up difference to your Qapital savings account, the app only transfers twice a week (8 transfers a month) so be wary of what your bank’s limit is.

9. Honey

This isn’t a personal finance or a budgeting app, instead Honey helps you find coupon codes that will save you money.

Honey is a website that serves as a search engine for coupon codes. Type in the retailer that you’re looking to shop at and receive a list of all of the coupon codes associated with that store. You’ll see the actual code, a description of what it does, and when it last worked.

For example, you want to shop at Best Buy, the app (and its Chrome extension) can find coupons, promo codes, and deals for you. The ones I’ve found listed are – a coupon for 20% off a small appliance, a $30 off Promo Code, and 20 other codes.

The great thing about Honey is that it will try all the promo codes and coupons at once with 1 easy click.

Personally, I think this is much easier to use than some cash-back shopping apps as it works with one click and lists over 37,000 retailers.

10. Raise

Lastly, another money saving app but in another completely different way. Raise is a gift card site that sells discounted gift cards and you can earn points as well.

Before going to a restaurant or doing any sort of shopping whether it be online or off, get on Raise and buy a gift card to maximize your savings. You can buy these gift cards at a discount – sometimes giving you up to 15% off of your total purchase price.

Let’s say you plan to go to Applebee’s on the weekend, you do a search on Raise and find a $25 Gift Card that’s only $21.65. That’s a 13.4% savings, you purchase it and now have already saved some money on your meal.

The other option is to buy (for yourself or for a gift) a brand-new gift card and earn Raise Cash on your purchase. Again, let’s say you bought a new $25 Applebee’s gift card for your weekend, you made $1.60 in free cash. Raise Cash then can be spent on gift cards on the site.


These apps are great for saving and growing your money – many without needing much input from you at all. Think about employing a few of these apps at the same time to gain the maximum amount of savings to be made.

Let’s say you used:

  • Acorns $270
  • Digit $235.17
  • Chime Bank $1,366.07

Just with these three apps alone, you have saved a total of $1,871.24 with very little effort and with very minimal impact on your budget!

Tracy Stine

Leave a Reply