3 money saving apps for lazy people

Saving money is super important, but it can also be time-consuming, frustrating, and you’ll need a bit of discipline to keep your goals on track.

Thankfully there are quite a few apps out there that do all of the dirty work for you, helping you to save up for that well-deserved vacation or build up a simple rainy day fund with ease. Here are our top three picks.

Investing can be intimidating, especially if you don’t know anything about it. Luckily Acorns is here to help. It’s a clever little app that invests your spare change. How does that work?

You’ll start up your account by completing a little questionnaire to determine how you want to invest, including the amount of risk you’re willing to take. Then, you link a checking account to your Acorns. When you make a transaction, Acorns rounds it up to the next dollar and invests the change. So if you spend $3.01, Acorns invests $.99. You’ll be surprised by how quickly those pennies add up!

Acorns charges $1 a month on all accounts worth less than $5,000. It’s a good idea to invest some money (I only do a monthly $10 deposit and it serves me well!) on a weekly or monthly basis to flesh out your account and to lessen the sting of that monthly charge.

If investing still isn’t your bag, Digitmight be of interest to you. When you link your checking account to the app, Digitwill automatically set aside a couple of dollars every few days in a separate account based on your spending habits and how much spending money you have. You can tell Digithow aggressively you’d like to save. On top of that, Digitalso promises it will never send your account into overdraft, and in the unlikely event that it does, they’ll pay any fees that accrue.

You don’t earn interest on your Digitsavings, so it’s best for the short term. It’s easy to transfer your savings to another savings account, too.

If you need a money management app that does it all, Simple is a great choice. It’s essentially an online bank account, but boasts an elegant app that lets you set savings goals. The app will automatically set money aside in your savings while also managing your budget based on cash flow through your account.

Outside of the app, Simple also features easy transfers and over 50,000 free ATM locations.

What are your go-to apps for saving a buck or two? Share in the comments!