Best PayDay Alternatives in 2026

Updated October 2026

16 apps from automated savings apps ranked against PayDay on the same published basis.

PayDay alternatives compared

#	App	Score	Free plan	From	Runs on
1	Betterment	6.6	Free plan	$0.05/mo	Android, iOS, Web
2	SavingsBox	6.6	Free plan	$4.99/mo	Android, iOS, Web
3	Chip	6.5	Free plan	£5.99/mo	Android, iOS
4	finbee	6.5	Free plan	¥250/mo	Android, iOS
5	Goin	6.5	Free plan	€1.33/mo	Android, Browser, iOS
6	PiggyVest	6.5	Free plan	Free	Android, iOS, Web
7	Plum	6.5	Free plan	€3.99/mo	Android, iOS
8	Piggo	5.4	Free plan	Free	Android, iOS, Web
9	Tunzi	5.4	No	—	Web, iOS, Android
10	Guac	5.3	No	—	Web, iOS, Android
11	Spave	5.3	No	—	iOS, Android
12	Amini	5.2	No	—	iOS, Android
13	Nebo	5.2	No	—	iOS, Android
15	Raiz	5.1	No	A$2.50/mo	Android, iOS, Web
16	Albert	4.9	No	—	Web, iOS, Android
17	Qapital	4.9	No	$3/mo	Android, iOS

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What is the best alternative to PayDay?

Betterment, number 1 in automated savings apps with a score of 6.6 out of 10. The others here: SavingsBox, Chip, finbee and 12 more.

What is the best free alternative to PayDay?

Betterment is the best-ranked alternative with a free plan. 8 of the 16 alternatives here publish a free plan on their own pricing pages.

How are these alternatives ranked?

Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.