Keeping track of personal finances can be harder than it seems. On top of that, saving some money and setting it aside can even be more difficult since it requires from you to have your personal finances kept in check. Luckily, there is digital help out there, with numerous iOS and Android apps ready to help you build a positive savings habit.
We are bringing you a list of the most useful apps that can train you and encourage building a new positive habit. All of the following apps are available free of charge, because we don’t want you to spend any money, but instead to save it.
Tip Yourself is an iOS-only app that comes with an interesting philosophy on how to save money and build a positive habit. The app motivates you to set some money aside when you reach certain life goals, providing a much needed motivation to strive towards something positive.
To set-up a profile, you will need to enter your online banking information and confirm your account. After that, you will get a digital “Tip Jar” that fills with deposits that you can easily track. This way, you can tip yourself every time you go the gym, or every time you avoid smoking a cigarette. As you will be setting aside some money, you can treat yourself at the end of a month for your effort.
Tip Yourself even comes with a vibrant community of mind-like savers, so you can share your tips and encourage others to do the same. Having positive feedback is very important towards building a healthy habit, so having someone to cheer for you cannot be a bad thing.
Tip Yourself - Save Money...
by Tip Yourself co
Tip Yourself - Save Money...
You tip everyone else, but what about yourself?
Tip Yourself! You Earned it!
Build Habits. Save Money. Get Motivated.
√ Make it to the gym?...
√ Skip an impulse purchase?...
√ Make a healthy food choice?...
√ Got that long todo list completed?...
Heck, for no reason at all? You Earned it!... Tip Yourself!
Tip Yourself allows you to transfer small dollar amounts from your checking account into your own secure Tip Jar.
It's FUN. It's EASY. There are ABSOLUTELY NO FEES
Use your Tip Jar as a Vacation Fund, a Rainy-day Savings Fund, or to just Reward Yourself!!
Tip Yourself is also an amazing social community of like-minded individuals. Connect with others and get encouragement. You may decided to share the reason for your tip or keep it private. The dollar amount of your tips are always private.
Download today and start saving money! Tip Yourself! You Earned it!
(*Click the Gallery for more screens or the Info for additional information)
Money Box is a goal-oriented savings app that lets you visualize your goals. Simply create a new entry, where you can (for example) set a goal of saving for a new computer. You can select your bank account and saving frequency. This way, some money will be withdrawn from your account every week and you will get a reminder. Keep in mind that just like with other electronic piggy banks, you will need to create your own separate savings account to fund your goals.
Users are able to keep track of their goals, sorting them by due date or alphabetically, as well as using different currencies.
Money Box. Savings Goals ...
by Andrey Alekseenko
Money Box. Savings Goals ...
Take control of your focused savings plan and put the power to purchase what you want into the palm of your hand.
“Really helps me focus on exact goals and how to meet them…” - CarAlbBarTex
"I love it. It's simple and goes straight to the point. You set your savings goals, the frequency you'll save, input your contributions, and it'll tell you how much you'll to save daily/weekly/biweekly/monthly/etc.” - LeoSpeeds
Money Box is the only tool you need to set, manage, and achieve your saving goals so you can make payments or purchase the things that you want. It doesn’t matter if you’re great with money or terrible! It doesn’t even matter if you’re great at setting, organizing, and achieving goals! ... Money Box will keep you on track to bring your purchase goals to life.
Saving money doesn’t have to be difficult, confusing, or intimidating any more. Money Box is the safe and effective way to manage your money so you can get what you want to get, and do what you want to do.
The app is FREE so why not install it now!?
==> Here are some reasons why Money Box is already loved by thousands of savers and planners, and why you will love it too:
* EASY: You’ll breeze right through to start managing your next purchase goal with our intuitive user interface.
* MOTIVATIONAL: You add a photo of your dream house or your vacation site or any other purchase goal and see a progress in a visual way.
* REWARDING: It’s easy to set goals, but many find it difficult to follow through. Money Box guides you from desire to success so you can enjoy the fruits of your money.
* SMART: Money Box takes away the frustration of saving money for a specific goal. It gives you the power and confidence to succeed every time, and that’s just plain smart!
* EFFECTIVE: By providing you a simple interface and valuable features to organize and manage your saving targets, you’ll love how effective Money Box is at helping you reach your goals.
Join the growing community of responsible adults who know how to get what they want from life.
=== HOW Money Box WORKS ===
Easily Manage your goals from the dashboard
2. Amount and currency
3. Target date
5. Savings account name
6. Planned savings frequency – weekly, monthly etc.
Make contributions toward your goals.
Reach your goal and get exactly what you wanted!
==> The World’s Most Effective Purchasing Goal App <==
Money Box has quickly become a favorite mobile app among ambitious and determined savers eager to take control of their spending goals. It is generating a major buzz on social media and its diverse fans are spreading across the globe!
** Money Box IS THE BEST **
Maybe you want to buy a boat or pay off bills, take a vacation or just get that pair of sunglasses that you’ve had your eye on – Money Box is secure and flexible enough to accommodate your goals big and small! This ease-of-use and focused flexibility is a huge difference between Money Box and other savings apps.
Intuitive, sleek interface.
Feature-rich & Easy to use.
Secure encrypted data.
Multiple currency options.
Progress & Goal notifications and reminders.
Share your success on Twitter and Facebook.
Ad free version upgrade.
Optimization for all the latest mobile devices.
Updates to ensure flawless use and new bonus features.
Also check out Money Box Pro for more then 2 active goals management and more features.
Feel free to drop us a line! We’re always listening to your suggestions to improve Money Box. If you have any issues with the app, just contact us and we will help you!
** Are you loving our app? We’d love to hear about it! Please take a moment to leave us a nice review. It really helps! **
While you’re in the sharing mood, go ahead and throw us a like on Facebook too, THANKS.
We appreciate your support greatly! You inspire us to make more great apps like Money Box.
Clink is a bit more advanced savings app that also works as an investment platform. You will see this during the set-up screen, where you need to pick a kind of portfolio you strive for. You can strive for very conservative (70% stock / 30% bond), up to very aggressive portfolio (20% bond / 80% stock).
Click will automatically invest in Exchange Traded Funds that match your desired rate of return. Users are able to keep close track of their money under the Savings Management tap, where they can fine-tune their investments and savings. There are even bonuses of $5 for each referred user that registered to use the app.
As you can see, you need to be acquainted with some of the banking terminology. In addition, keep in mind that there may be some tax consequences when you decide to withdraw money from your account.
Clink - Start investing w...
by Clink Savings Inc.
Clink - Start investing w...
Clink is an investing application which facilitates your savings by making you save every time you go out. Your money is invested in a diversified ETF portfolio and keeps growing without you needing to worry about it.
1. How Clink works:
When you register for Clink you are basically filling out all the required information needed to open an investment account. Then you can choose your method of savings. You can either link your credit card and set a fixed percentage of your expense for Clink to allocate to your savings or you can put yourself on a schedule and set a fixed amount to be transferred to your Clink account starting from as little as $1 a day.
Then all that is left is to choose which Exchange Traded Funds (ETF) portfolio you want to invest in and you are all set.
2. Our Portfolio
All of our ETFs are managed by Vanguard, the undisputed industry leader, and adhere to the highest investing standards.
3. Your Money is insured
Your money is SPIC insured up to $500,000 so you are always protected and you can withdraw at any given time.
4. Our Security:
Clink uses Bank Level securities – same as all the big banks, we have 256 bit encryption which means that all your information is protected at the highest level possible.
We have a flat fee of $1 a month up to $5,000. If you have more then $5,000 in your Clink account you'll be charged 0.25% in annualized fees.
6. Group Savings:
We are adding new features all the time, our latest, save with your family and friends. You choose a joined goal, a target date and the amount you want to save and then send invites to your friends or family to join the effort. Once you reach the goal you can cash out or start saving for a new goal.
7. Read about us in the Press:
*Clink is a Registered Investment Advisor (RIA) and is accredited by the SEC.
Visit our website at: https://clink.com/
At some point in life, we all crave for a personal assistant that can help us organize our lives. As you know, there are financial experts whose job is to help you control your financial habits. However, there are digital assistants that can also offer some help, free of charge.
Penny is your personal finance app that provides interaction as if you’re having a conversation with a real human being. The app keeps track of your spending and income, and provides helpful insights and advices.
Users interact with the app by asking a question, as you get an answer in return. For example, if you ask Penny how the month is going, you will get a comparison of the current and previous month. You will also be praised if you keep spending less money, or if you decide to cancel some subscriptions.
Penny - Track Your Money,...
by Friendly Finances, Inc.
Penny - Track Your Money,...
Chat with Penny to safely and securely track your spending and plan for a better financial future! We’ve processed millions of transactions and helped thousands of people.
• Explains your spending and income with friendly messages and simple, beautiful graphs.
• Shares fun and useful facts, like where you shop most or how much you spend on Netflix.
• Tracks your upcoming bills and credit card payments and reminds you when they're due.
• Offers friendly suggestions on how to get the most from your money.
• Sorts your transactions into simple categories, automatically.
• Notifies you when new transactions arrive.
• Shows all of your transactions across all of your accounts.
• Tracks your month to month spending to help you save and budget.
PENNY IN THE MEDIA
• TechCrunch: Penny Raises $1.2M in Funding For Its Personal Finance Bot
• New York Times: Jamie Dimon Wants to Protect You From Innovative Start-Ups
• Forbes: Look Here For A Glimpse At Facebook’s Chatbot Future
• TIME: 25 Websites That Will Help You Stick to Your Resolution
• Lifehacker: Penny Tracks Your Spending and Walks You Through Your Budget
• Product Hunt: A Personal Finance Coach That’s Simpler Than Mint
BANK LEVEL SECURITY
• Security is our first priority, and we take it very seriously. We use SSL 256-bit encryption—the same security protocol that banks use.
• Access to Penny is protected by TouchID fingerprint authentication.
• Nobody, including you, can transfer or access money with Penny.
• Penny never stores your bank credentials.
• Closing your Penny account immediately deletes all information from our servers, as if you never signed up.
Penny is completely free, and we do not sell your information to anyone!
Note: Penny is currently only available in the United States.
As you can see, there is an app for every possible type of user. If you’re a casual iOS user who would like to build a new habit, go for Tip Yourself. If you crave for something more serious, Clink can provide a path toward your goals. Finally, Penny is there if you need a user-friendly way to control your finances and cut those unneeded expenses. The solution is here, and it’s only one download from the App Store away.