Best Automated Savings Apps in 2026
Updated
In short: Betterment is ranked #1 of 17 as of 4 October 2026, ahead of SavingsBox and Chip. The best-ranked option with a free plan is SavingsBox. The lowest first paid tier on this page is Betterment at $0.05/mo.
Automated savings apps move money into savings through rules, transfers, or purchase roundups. The entries are ranked and compared on features such as scheduled transfers, custom savings rules, card roundups, and interest on savings. Check savings goal limits and withdrawal methods, too, since they shape how you can build and access your savings. Betterment, Chip, and finbee appear among the first entries, alongside Goin and PiggyVest. Supported platforms, free-plan availability, and paid-from details round out the comparison. Weigh those details against the way you want to automate saving and the access options you need.
17 automated savings apps ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
7 of the 17 here have a free tier you can use, 0 have open-source code on record, and 0 have full bars: free, open, on most of your devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | BettermentWeb · Android · iPhone | Three bars | — | 3 of 6 | $0.05/mo | 6.6 | |
| 2 | SavingsBoxWeb · Android · iPhone | Three bars | — | 3 of 6 | $4.99/mo | 6.6 | |
| 3 | ChipAndroid · iPhone | Two bars | — | 2 of 6 | £5.99/mo | 6.5 | |
| 4 | finbeeAndroid · iPhone | Two bars | — | 2 of 6 | ¥250/mo | 6.5 | |
| 5 | GoinAndroid · iPhone · Extension | Two bars | — | 2 of 6 | €1.33/mo | 6.5 | |
| 6 | PiggyVestWeb · Android · iPhone | Three bars | — | 3 of 6 | Free | 6.5 | |
| 7 | PlumAndroid · iPhone | Two bars | — | 2 of 6 | €3.99/mo | 6.5 | |
| 8 | PiggoWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.4 |
| 9 | TunziWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.4 |
| 10 | GuacWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.3 |
| 11 | SpaveAndroid · iPhone | No signal | — | — | 2 of 6 | — | 5.3 |
| 12 | AminiAndroid · iPhone | No signal | — | — | 2 of 6 | — | 5.2 |
| 13 | NeboAndroid · iPhone | No signal | — | — | 2 of 6 | — | 5.2 |
| 14 | PayDayWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 15 | RaizWeb · Android · iPhone | Two bars | — | — | 3 of 6 | A$2.50/mo | 5.1 |
| 16 | AlbertWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 4.9 |
| 17 | QapitalAndroid · iPhone | One bar | — | — | 2 of 6 | — | 4.9 |
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which automated savings app is ranked first on Freedom251?
Betterment is ranked #1 of 17 with a score of 6.6. SavingsBox is second and Chip third.
How many of these have a free plan?
7 of the 17 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Betterment has the lowest first paid tier we found: $0.05/mo.
How is this list ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation. Paid placements never change a rank.