Qapital
Automated savings, investing, budgeting, and debt management app — set goals and let the app handle the rest.
| What is it | Automated savings, investing, budgeting, and debt management app — set goals and let the app handle the rest. |
|---|---|
| Pricing | Paid — from $3/mo |
| Free tier | No |
| Platform | Mobile App |
| Works with | IFTTT |
| Best for | building an emergency fund, saving for a vacation |
| Domain registered | 2012 |
Data updated Aug. 1, 2026
What does Qapital do?
Qapital is a personal finance app that automates saving, investing, budgeting, and debt management. Instead of forcing you to manually track every expense, it lets you set rules — like rounding up purchases to the nearest dollar or transferring a fixed amount each week — so money moves toward your goals without you thinking about it. The app also offers ready-made investment portfolios and a budgeting feature that allocates funds the moment you get paid.
The core idea is "set and forget." You pick a goal (say, a vacation fund or emergency savings), choose a trigger rule, and Qapital moves money automatically. The Dream Team feature lets a partner join in, with shared goals and private accounts. The app uses standard security measures like ID verification and encryption. Membership starts at $3 per month after a 30-day free trial, with no hidden fees.
Qapital is best for people who want to save more but don't want to micromanage their finances. It's especially useful for couples managing shared expenses or anyone who finds traditional budgeting tedious. Over 2 million members have used it to save more than $3 billion collectively.
Key features
What makes it stand outWho is Qapital for?
Who benefits most from this toolPricing
Basic
- Create unlimited, personalized savings goals
- Use fun rules to trigger automatic saving
- Transfer money between goals easily
- FDIC-insured partner banks
- Save for shared goals
- Instant transfers & notifications
- Keep track of who paid what
Complete
Everything in Basic, plus:
- Swipe and save with our VISA® debit card*
- Add your digital card to your wallet to start spending right away
- Pay yourself first with Payday Divvy
- Tell us your timeline and goal amounts
- Select an option based on your risk tolerance
- Stay diversified with low-cost funds
Premier
Everything in Complete, plus:
- First look at new features
Trust & presence
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