Saving money doesn’t have to be hard. If you’re part of Gen Z and trying to build better money habits, automatic savings apps can be a simple way to start. These apps help you set money aside without needing to think about it every day. Here are five of the best-rated automatic savings apps in 2025 that are easy to use and great for building savings—even on a tight budget.

1. Digit (now called Oportun)
Digit uses artificial intelligence to look at your bank account and figure out when it’s safe to save a little money. It transfers small amounts automatically, and you don’t need to do anything once it’s set up. You can set goals like building an emergency fund or saving for a trip. The app won’t overdraft your account, and most people say they end up saving more than they expected.

Digit is free for the first 30 days, then charges $5 a month.
Best for: People who want to save money without doing any work.

2. Chime
Chime is an online bank that comes with savings features built in. It lets you round up every purchase to the nearest dollar and move the extra cents into savings. You can also have part of your paycheck go straight into savings every time you get paid. Chime has no monthly fees, no overdraft fees, and you can get paid up to two days early.

Best for: Anyone looking for a free and simple way to build savings.

3. Qapital
Qapital helps you save money by setting fun rules. For example, you can tell the app to save $5 every time you order food delivery or round up your spending like with Chime. You can also set visual goals with pictures and track your progress. Qapital has different plans that cost between $3 and $12 a month depending on how many features you want.

Best for: People who like to save toward specific goals in a fun, visual way.

4. Acorns
Acorns takes your spare change and invests it in a portfolio for you. Every time you spend, the app rounds up your purchase to the next dollar and invests the extra amount. You can also set recurring investments, like $5 a week. Acorns offers other tools too, like retirement accounts. It costs around $3 to $5 a month.

Best for: People who want to invest slowly and automatically over time.

5. Rocket Money (formerly Truebill)
Rocket Money helps you save by canceling subscriptions you don’t use and moving small amounts into savings when your cash flow allows. It also tracks your spending so you know where your money goes. It has a free version, but premium features cost $3 to $12 per month.

Best for: People who want to cut costs and save at the same time.

What Gen Z Likes About These Apps
Reddit users say they love how these apps make saving feel automatic. Many say they’re finally able to save money even when they thought they couldn’t. These apps are especially helpful if you have trouble keeping up with a manual budget or want to build habits without thinking about them.

Which One Should You Pick?
If you want to:

• Save passively with AI help: Try Oportun (Digit)
• Split your paycheck automatically: Go with Chime
• Save for specific goals in a fun way: Check out Qapital
• Invest your spare change: Use Acorns
• Cut expenses and save smarter: Try Rocket Money

Even saving just a little each week can add up fast. These apps do the hard part for you—automating the habit so it becomes part of your everyday life. Once you set one up, you can start seeing real progress without changing much about your day-to-day spending.