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25 Best Money Saving Apps to Save You Big Bucks

I'm going to cover the best personal finance apps to manage your money, that pay you to shop and to save money shopping.

Oh yeah, he's doing it!

Best personal finance apps to manage your money

  • Acorns
Acorns investing app

Acorns helps by investing your pocket change in low cost EFT, or exchange-traded funds.

Connect your checking and credit card accounts and when you make purchases, the price is rounded to the nearest dollar, and the difference between the rounded cost and the total cost is invested.

Sign up for Acorns here.

  • WalletHub
WalletHub app

Credit score improvement is the ticket to more savings and less stress.

With WalletHub you can track your progress toward top financial fitness with free credit monitoring and daily credit score updates.

iOS app | Google Play store

  • Mint
Mint personal finance app

The Mint app offers a real-time look at all of your finances from one centralized location.

It tracks spending, categorizes your finances, and alerts you when you're approaching your budget limit. 

iOS app | Google Play store

  • Digit
Digit automatic savings app

Digit helps you save money without even realizing it. Here's how it works.

Your income and saving patterns are scanned, and then small amounts of cash are moved to a savings account managed by Digit. 

iOS app | Google Play store

  • Credit Karma
Credit Karma credit monitoring app

Not only does Credit Karma offer free credit scores and credit reports, but it also monitors your spending habits when linked to your credit card and bank accounts.

Then, recommendations for better credit cards or loan offers are shown that improve your finances.

iOS app | Google Play store

  • Goodbudget
GoodBudget iOs and Google Play app

Goodbudget creates envelopes for categories and predetermines how much money should be put into each category. It's not a sophisticated app but it does what it needs to.

iOS app | Google Play store

  • Wally
Wally next smartphone app

Wally is an expense-tracking app that can see daily, weekly, and monthly spending habits and divides your expenses into separate categories. It can also conveniently scan receipts for you.

iOS app | Google Play store

  • PocketGuard

PocketGuard connects to your bank account and always has access to current transactions and balances.

This app also analyzes your spending habits to know recurring payments to plan for and tracks your cash flow.

iOS app | Google Play store

  • You Need A Budget
YNAB budgeting app

The You Need A Budget app makes sure that every dollar is spent wisely, plans for infrequent expenses, and can also come up with a quick plan for when you overspend.

A neat feature included is classes offered that you can watch online to get familiar with the app for free.

iOS app | Google Play store

Best cash-back apps for making money

Rakuten formerly ebates

Rakuten may very well be the best known cashback site. New users will get a $10 welcome bonus and can get their payment as soon as they reach $5.

With Rakuten, you can earn up to 25% cash back at over 2,000 online stores such as Kohl’s, Macy’s and Walmart. The site also offers the most current promo codes and coupons, allowing you to save money on your purchases.

When you want to compare store prices, Rakuten is the way to go. All you have to do is scan the product’s barcode, and the app shows you the best prices.

Sign up for Rakuten here.

  • BeFrugal
BeFrugal is the best app for couponing

Anytime you make a purchase through the BeFrugal app, you can earn a maximum of 30% cash back.

They also have a 125% cash back rate guarantee. If you find another cashback site that has a higher rate than them, they’ll match it an add an additional 25%.

By shopping here, you can stack your savings by using the coupon codes they offer and then receive cashback on top of that. If you find a coupon that doesn’t work, they’ll give you $5 for your troubles.

Payments are made on a monthly basis via PayPal. However, you can also get your money through check or an Amazon gift card.

iOS app | Google Play store

  • Receipt Hog
Receipt Hog coupon app

Turn those receipts into rewards by using the Receipt Hog app. The way the app works is simple – you snap a picture of your receipts and earn coins within the app.

You can also play games and take surveys to earn more coins. You can then trade those coins for a Paypal payment or an Amazon gift card.

So how does Receipt Hog make any money? They are a market research company which takes the info on the receipts and anonymously sells that data to companies.

This data is compiled into market research reports that are valuable to big companies who want to learn more about Americans’ spending habits and tendencies.

iOS app | Google Play store

  • Shopkick
Shopkick shopping app

If you’re more about shopping at brick-and-mortar stores, you’ll definitely want to use the Shopkick app.

There are 3 ways to earn points.

You can earn rewards when you walk into a store, then you can earn additional rewards for scanning products and finally, you can earn points again when you make a purchase.

That's right, you earn rewards just for visiting stores, even if you don't make a purchase.

iOS app | Google Play store

Best shopping apps list

Best shopping and coupon apps

  • Target app
Target app

If you’re a Target shopper, you need this app. The app lets you see the latest deals in the store and add special offers to your account.

Then, you can use all of the coupons you’ve selected at the register with just a simple scan of a barcode off your phone.

iOS app | Google Play store

  • Walgreens app

If you shop at Walgreens, you’re probably familiar with the coupon books they put out each month.

Instead of clipping coupons from the book, why not snag them on your phone? You’ll never forget your coupons and you won’t waste paper tossing out the ones you don’t want.

You can clip the coupons electronically and them scanned at the register. As a bonus, you can also manage your prescriptions through the app.

iOS app | Google Play store

  • CVS App
CVS pharmacy smartphone app

Similar to the Walgreens App, the CVS App allows you to view and use coupons over your phone. It also allows you to order products through an online store.

The downside is that you need a CVS card to use the app, but if you’re a frequent shopper it shouldn’t be a problem.

iOS app | Google Play store

  • SnipSnap
SnipSnap coupon app

SnipSnap operates like a coupon binder. It allows you to search stores for coupons and then download them to the app where you can access them later.

It’ll even sort by expiration date and let you search your coupons later for easy access. When you get to the checkout counter, just scan the coupons from your phone and you’ll see the savings automatically come off your total.

Best of all, the app is free which really appeals to savvy shoppers.

iOS app | Google Play store

  • Dealnews
Dealnews shopping app

If you’re the type of shopper that prefers working with a list, Dealnews offers the top 300 deals in your area so you can browse and discover great savings near you. The products span a range of varieties and the list is updated daily.

iOS app | Google Play store

  • SavingStar
Savingstar grocery store rebate app

If you use in-store savings cards, SavingStar can let you load coupons right onto those cards. It is a coupon app that works specifically with grocery stores, letting you clip and save coupons from the app.

iOS app | Google Play store

  • RetailMeNot
Retail Me Not coupon app

If you’re a restaurant and store shopper, RetailMeNot has your back. You can browse deals from your favorite retailers and bookmark anything you’d like to use in the future.

This is a great app for people that shop in a variety of stores and are always on the lookout for coupon codes.

iOS app | Google Play store

  • Groupon
Groupon app

Groupon is an app that offers local items and services at reduced costs. You can use the app to participate in giveaways and to redeem your Groupon vouchers.

iOS app | Google Play store

  • Yowza
Yowza shopping app

Yowza operates by allowing retailers rather than users to upload coupons to share. That results in better savings and more accurate coupon codes.

You can search the app based on your location or the retailer. You can even search for your favorite stores, even if they’re not in your immediate area. 

Over 70,000 retailers participate with Yowza, making it a great way to get exclusive coupons for your favorite stores. The app is free and works with iPhone or Android devices.

iOS app | Google Play app

  • Express Checkout
Express Checkout app

Express Checkout is part savings app and part sanity saver. Instead of fumbling with your keyring to find your savings cards, Express Checkout keeps all of your loyalty cards in one convenient location.

You can scan your loyalty card directly from your phone, eliminating the need to weigh down your key ring with excessive clutter.

iOS app | Google Play app

  • Coupon Sherpa
Coupon Sherpa app

Coupon Sherpa offers a virtual wallet that you can save your coupons into. It offers a variety of savings options by retailer, brand or other distinguishing characteristics.

You can scan the coupons from your phone or you can print them off. The app is free and works on all operating systems.

iOS app | Google Play app

  • Checkout51
Checkout51 app

Checkout51 is an effortless app that’s great for people who don’t really like to coupon.

You access the savings by scanning receipts, meaning you’ll never have to clip coupons or take them to the store. 

Once you reach a specific threshold you can have a check mailed to you.

iOS app | Google Play app

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Edwin Contreras


Edwin Contreras is the money hacking millennial behind Cash The Checks. He lives a minimalist lifestyle and is always eager to learn and share his methods to save and make money.

  • when it is about saving money o tracking my expenses, Mint is my absolute favorite. I have heard of Acorn and other apps, but there are at least 3 new names in there for me. Bookmarking now so that I can come back to it later and check out. Thanks for compiling this, Edwin. Cheers.

    Reply

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