Best Spare Change Round-Up Savings Apps in December 2024

Find the best spare change round-up savings apps that help you save money effortlessly with every purchase. Build your savings with minimal effort and reach your financial goals faster.

Introduction

Saving money can be tough, especially when you have other expenses to worry about. But what if there was a way to save without even thinking about it? That’s where spare change round-up savings platforms come in.

Spare change round-up savings platforms offer a seamless solution to bolster your savings without requiring a significant change in your spending habits. By automatically rounding up your transactions to the nearest dollar and saving the difference, these apps help you accumulate savings over time effortlessly. Ideal for both big savers and those just starting, round-up apps can be a game-changer in achieving your financial goals.

Let’s explore the best spare change round-up savings platforms that can help you save smartly and efficiently.

Here Are The Best Spare Change Round-Up Savings App Promotions, Offers

With so many spare change round-up savings platforms available, it can be overwhelming to choose the right one.

That’s why we’ve compiled a list of the best platforms to help you make an informed decision. We looked at factors such as fees, investment options, and ease of use to bring you a comprehensive list of the top spare change round-up savings platforms.

Acorns

Acorns is an investment app that allows users to invest in a diversified portfolio of stocks and bonds. The platform offers a range of account types, including individual brokerage accounts, Roth and traditional IRAs, and custodial accounts for minors.

Acorns offers a feature called “Round-Ups,” which automatically rounds up purchases to the nearest dollar and invests the difference. The platform also offers a “Found Money” feature, which offers cashback rewards when users shop at certain retailers.

Acorns’ “Grow” feature allows users to set up recurring investments and track their progress towards their financial goals. Additionally, Acorns offers educational content to help users learn about investing and personal finance.

Acorns is a great option for those looking for a user-friendly investment app with a variety of investment options and educational resources.

Qapital

Qapital is a savings platform that helps users save money by setting rules for their spending.

The platform offers a variety of “savings rules,” such as rounding up purchases, setting weekly savings goals, and saving a percentage of income. Users can also create custom rules to fit their unique savings goals. Qapital’s “Goals” feature allows users to set specific savings goals and track their progress toward those goals.

Additionally, Qapital offers a debit card that can be used for everyday purchases. Qapital is a great option for those looking for a savings platform that allows for custom savings rules and offers a debit card for easy access to savings.

Stash

Stash is an investment app that allows users to invest in a variety of stocks and exchange-traded funds (ETFs).

Stash offers a feature called “Auto-Stash” that allows users to set up automatic investments on a regular basis. One of the unique features of Stash is its “Stock-Back” feature, which allows users to earn stock in the companies they shop at most often.

Stash also offers a round-up savings feature, which rounds up purchases to the nearest dollar and saves the difference. This feature is called “Round-Ups,” and it can be used in conjunction with the Auto-Stash feature to make regular investments into a user’s portfolio.

Chime

Chime is an online banking platform that offers a variety of features designed to help users save money and manage their finances.

The platform offers a spending account and a savings account, both of which are fee-free. Users can set up automatic savings transfers, and Chime’s “Save When I Get Paid” feature allows users to automatically save a percentage of their paycheck.

Chime also offers a feature called “Spending Limits,” which allows users to set spending limits on certain categories of expenses. Additionally, Chime’s “Round Up” feature automatically rounds up purchases to the nearest dollar and saves the difference.

Chime is a great option for those looking for a comprehensive online banking platform with built-in savings features.

Worthy Bonds

Worthy Bonds is a savings and investment platform that allows users to invest in small business loans.

The platform offers an interest rate of 5% on bonds, which is higher than what you would earn on a traditional savings account. Users can invest in bonds in increments of $10, and the platform automatically rounds up your purchases to the nearest dollar and invests the difference in small business loans.

The loans are collateralized, which means that if a borrower defaults, Worthy Bonds can sell the collateral to recover your investment. The platform also offers a “buyback guarantee” which means that if you need your money back, Worthy Bonds will buy back your bonds at the price you paid for them.

Worthy Bonds is a great option for those looking to earn a higher interest rate than what is typically offered by traditional savings accounts.

GreenLight

Greenlight is a savings and financial education platform designed for families with children.

The platform offers a debit card for kids that allows parents to set spending limits and monitor their child’s spending. Parents can also set up savings goals for their children and automatically round up their purchases to contribute to those goals.

Greenlight offers an interest rate of 2.5% on savings, and there are no minimum balance requirements or fees. Additionally, Greenlight offers a chore system where parents can assign chores to their children and allocate the money earned towards savings goals.

The platform is a great option for parents looking to teach their children about money management and financial responsibility.

Greenlight also offers tools to help kids learn about budgeting, saving, and investing, making it a comprehensive financial education platform for families.

Final Thoughts

Spare change round-up savings platforms can be a great way to save money without even noticing it. We’ve explored some of the best platforms out there, each with their own unique features and benefits.

No matter which platform you choose, the important thing is to start saving and investing for your future. Spare change round-up savings platforms make it easy and painless to do just that. So, start small and watch your savings grow!

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.