Cut Costs Without Coupons Using These 24 Savvy Saving Apps

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Saving money can be challenging, especially when unexpected expenses pop up or when we’re trying to stick to a budget.

Luckily, there are some awesome apps out there that make saving super easy, no matter what your financial goals are.

Check out these 17 highly-rated apps that can help you save money and take control of your finances.

Whether you want to set up a savings account, keep track of your spending, or find great deals on food and entertainment, these apps have got you covered.

So sit back, relax, and let’s dive into how these apps work so you can start owning your finances today!

#1. Rakuten

Rakuten is a great way to save money on your everyday purchases. You’ll find exclusive deals and discounts from top brands.

Plus, with its cash-back program, you can effortlessly earn rewards while shopping at various stores.

#2. Upside

With high gas prices, filling up your tank is painful. Luckily, there is Upside. This app offers cash back on every gallon of gas at participating stations. The amount you earn varies from $0.01 up to $0.25 a gallon.

At $0.15 per gallon, a 10-gallon fill-up saves you $1.50. I realize this isn’t life-changing money, but it adds up, especially if you get gas every week.

The app also offers cash back at restaurants and grocery stores, allowing you to save even more.

And if you refer friends, you earn cash back every time they fill up too!

#3. Chime

The Chime mobile app simplifies banking with no fees and is user-friendly; you can effortlessly manage your finances, automate bill payments, check account balances, and transfer funds.

Achieve savings by linking your Chime checking account to a Chime savings account and setting up automatic deductions from your paycheck.

Round up transactions to smoothly add extra money to your checking account.

#4. Rocket Money

Rocket Money is the perfect solution if you’re looking for an excellent personal finance app that goes beyond just tracking your spending and bills.

With cool features like subscription management and balance alerts, you can easily stay on top of your financial game.

#5. Oportun

Oportun is a fantastic financial app that effortlessly simplifies personal finance.

It has all the tools you need to budget, track bills, and save money, helping you easily achieve your financial goals.

You can choose from their suggested goals, like paying off debt, preparing for unexpected emergencies, or creating custom goals, even for that dream vacation.

#6. Qapital

Qapital is an awesome finance app that effortlessly helps you save for the future while enjoying a relaxed vibe.

With its user-friendly interface, you can set savings goals based on rules, like saving a specific amount with each purchase or working towards a big financial objective. Track your progress over time on this journey.

You can even collaborate with your partner to achieve shared savings goals, fostering teamwork and financial well-being.

#7. Swagbucks

Swagbucks offers multiple ways to cut costs. You can shop online here and earn cash back on every purchase. You can redeem what you earn as gift cards or cash.

Swagbucks also allows you to earn money. You can make money playing games, completing surveys, watching videos, and more. 

#8. Ibotta

Ibotta is a super handy tool that makes saving money a breeze. With Ibotta, you can score exclusive discounts and cash-back offers from all your favorite retailers.

Just snap a pic of your receipts or link your loyalty accounts to start earning rewards on both in-store and online purchases.

Ibotta also has a cool feature that lets you set your savings goals and track progress while chilling out.

#9. Truist Long Game

Long Game is an excellent way to save money! With the Long Game app, you can turn your savings into a fun adventure packed with mini-games and the opportunity to win real cash prizes.

You’ll earn bonus rewards for completing tasks like setting up direct deposit or nailing financial literacy quizzes.

Long Game’s automatic savings feature effortlessly sets aside extra cash for you, so you don’t have to worry about it.

#10. Flipp

Check out the amazing shopping app Flipp! It’s your ultimate money-saving sidekick, offering a ton of perks.

With Flipp, you can effortlessly browse circulars from over 2000 retailers, compare prices at different stores, and snag exclusive coupons, discounts, and deals.

Flipp makes shopping a breeze by letting you create a handy grocery list and track the offers you’ve used. And with Flipp’s Price Drop Alerts, you’ll never miss a sale again!

#11. YNAB

You Need A Budget (YNAB) is an incredible tool to keep your finances in check.

With YNAB, you can easily create a budget and track your spending.

You can set goals, break down big expenses into manageable chunks, and decide where to put extra cash with YNAB’s detailed reports.

#12. Honey

Honey is a money-saving app that’s got your back when it comes to finding the best deals and discounts for your online shopping.

Just install Honey on your browser and let the magic happen. It effortlessly scours the web for coupons and applies them to your purchase, ensuring you always get the lowest price available!

Honey even rewards you with exclusive offers and cash back at over 30,000 popular stores.

#13. Acorns

If you want to invest your spare change while learning more about investing, Acorns is the investment app for you.

By investing in a diverse range of ETFs (exchange-traded funds), the app helps your money grow and gives personalized advice that fits your goals.

Acorns’ amazing crew of financial experts offers educational resources and interactive tools to help you make informed financial decisions.

#14. Fetch Rewards

Fetch Rewards is an incredibly useful shopping and savings app.

With this ingenious app, you can effortlessly scan your receipt after a shopping trip and earn points based on the products you bought.

These points can be redeemed for gift cards from a wide range of retailers.

#15. Goodbudget

Goodbudget is more than just an app; it’s a financial management powerhouse that puts you in control!

With the envelope system at your fingertips, you’ll effortlessly track expenses, set goals, and create personalized budgets.

But what truly sets Goodbudget apart is its unmatched flexibility. You can customize the app to fit your unique needs and preferences.

#16. GoodRx

GoodRx is a super helpful mobile app that saves you money on prescription medications. 

With GoodRx, you can easily check and compare prices at nearby pharmacies, so you can make smart choices and find the best deals.

Plus, the app gives you awesome coupons for extra discounts so that you can save as much as possible.

#17. Gas Buddy

With gas prices these days, the Gas Buddy app is a total lifesaver for saving money on fuel.

It uses crowdsourcing tech to give you real-time gas prices from all over the place.

Gas Buddy keeps tabs on your fuel purchases and provides personalized recommendations for the sweetest deals.

#18. RatePunk

RatePunk is your go-to online platform for finding unbeatable prices on hotels, flights, rental cars, and more if you love to travel.

With its excellent search feature, you can easily compare rates from multiple providers and make sure you get the best deal out there.

RatePunk also provides valuable reviews and ratings for each provider, guaranteeing you’ll get the utmost value for your hard-earned money.

#19. BillTrim

Do you notice your bills becoming more expensive? While you can negotiate them yourself, it’s a hassle not only to find the time but also to deal with the customer service reps.

Luckily there is BillTrim. They will work to negotiate your bills for you. The average user saves over $900 a year. While there is a one-time fee of $99, if they can’t save you $300, they refund your money.

#20. Guac

This savings app help you to reach your goals faster. You set your goal amount and when you want to reach it, and then Guac gets to work. They transfer a small percentage of your daily spending to a savings account to make saving effortless.

They offer a free version and a paid version, with the paid version offering additional features. However, the free version is good enough for most people.

 #21. Arrived

Arrived is a crowdfunding platform that allows you to invest in real estate without the need for a lot of money or to pay all the fees and costs associated with buying.

Simply create a free account and browse the available properties to invest in. You can invest as little as $100. Then when the property is rented out, you earn a quarterly dividend for your portion of the rent. When Arrived sells the property, you also get a part of the gain based on your ownership percentage.

Slash Your Monthly Bills

With inflation rising, your monthly bills are likely getting out of control.

Luckily, there are some simple steps you can take. Use this guide to help you save up to $7,000 a year on your monthly bills.

SLASH YOUR MONTHLY BILLS AND SAVE

Ways to Get Free Gift Cards

Nowadays, people are looking for every means possible to make extra cash. One unique idea is to get free gift cards. Gift cards are a great way to help pay for the things you need without spending any money.

You can earn free gift cards for completing simple tasks in many ways. This includes getting paid for simple online tasks like playing games, completing surveys, and shopping.

Here is a complete guide on how to get free gift cards so you can spend less money on the things you buy.

47 PROVEN WAYS TO GET FREE GIFT CARDS