{"id":13809,"date":"2022-09-07T12:00:13","date_gmt":"2022-09-07T11:00:13","guid":{"rendered":"http:\/\/www.musicmagpie.co.uk\/blog\/?p=13809"},"modified":"2023-05-03T16:20:27","modified_gmt":"2023-05-03T15:20:27","slug":"10-free-money-saving-apps","status":"publish","type":"post","link":"https:\/\/www.musicmagpie.co.uk\/blog\/2022\/09\/07\/10-free-money-saving-apps\/","title":{"rendered":"The top 10 free budgeting & money saving apps"},"content":{"rendered":"

There are so many ways to save money and budget these days, but one of the easiest and most efficient ways to keep on top of your money goals is by using apps on your smartphone! You can literally save cash at your fingertips.\u00a0<\/span><\/p>\n

We\u2019ve gathered the best apps that will help you keep your finances intact, with a variety of ways to save and budget to suit you.\u00a0<\/span><\/p>\n

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Best money saving apps<\/h2>\n

\"person<\/a><\/p>\n

When it comes to saving money, we can all agree it can be a struggle! But not if you\u2019ve got the right app to help you keep on track. Here are the best money saving apps for Android and iPhone.<\/span><\/p>\n

Chip<\/h3>\n

The Chip app decides how much you can save depending on your ingoings and outgoings. It automatically puts a certain amount of money away for you every few days without you doing anything. First, you need to give Chip access to your bank account and it will monitor your spending and calculate how much you can afford to save each week.\u00a0<\/span><\/p>\n

This app is available on <\/span>Android<\/span><\/a> and <\/span>iPhone<\/span><\/a>.<\/span><\/p>\n

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Hyperjar<\/h3>\n

If you like to split your money up into different categories but it\u2019s getting a bit out of control, then this is the perfect app to help you manage your savings. This app lets you put money into different digital jars, dedicating a weekly or monthly spend to food shopping, entertainment, savings and more.<\/span><\/p>\n

You can even create specific jars for the shops you normally spend in and earn interest too!\u00a0<\/span><\/p>\n

Even better, if you houseshare or split bills in your household then Hyperjar enables you to share the jars equally.\u00a0<\/span><\/p>\n

This app is available on <\/span>Android<\/span><\/a> and<\/span> iPhone<\/span><\/a>.<\/span><\/p>\n

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Monzo<\/h3>\n

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This is an online banking app that offers a variety of ways to save your money! It works like a normal bank account; you have your own current account but you also have access to savings pots, early access savings pots and spending targets to help you budget.<\/span><\/p>\n

The saving pots, called \u2018Monzo Pots\u2019, are designed to help you set aside money. Money that you have in this pot won\u2019t appear on your current balance, however, you can transfer money back to your current account instantly if you need it.\u00a0<\/span><\/p>\n

For those that don\u2019t want to save a large amount of money but just the odd bit of change here and there, Monzo has a perfect way to do that. If you create a new pot and class it as \u2018coin jar\u2019, Monzo will round up purchases over a pound and add the difference to the pot. These savings can add up surprisingly quickly!\u00a0<\/span><\/p>\n

This app is available on <\/span>Android <\/span><\/a>and<\/span> iPhone<\/span><\/a>.<\/span><\/p>\n

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Oval Money<\/h3>\n

If you need a bit of inspiration and motivation whilst money saving and budgeting, then Oval Money is the app for you.<\/span><\/p>\n

This savings account works around your spending habits and creates a set of saving rules called steps. It even has a motivator called \u2018Oval Coach\u2019 that sets you saving missions to help improve your habits. The more missions you complete, the more you save! You can link up your accounts to track spending too.\u00a0\u00a0<\/span><\/p>\n

To ease your mind, your account will be held in a segregated account at Barclays, so your money is covered by FSCS.\u00a0<\/span><\/p>\n

This app is available on <\/span>Android<\/span><\/a> and<\/span> iOS<\/span><\/a>.<\/span><\/p>\n

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Best budget apps to save money<\/h2>\n

\"person<\/a><\/p>\n

It can be overwhelming with all the different ingoings and outgoings going on in your bank account. The best way to take control of this is by downloading an app to help you tidy up your finances and work out a plan. Here are the best budgeting apps for Android and iPhone.<\/span><\/p>\n

Money Dashboard<\/h3>\n

Money Dashboard is a personal finance budgeting tool which connects all of your accounts and categorises your transactions for each month. You can set budgets and goals, track subscriptions, transfer money, see your balance after bills and so many more features.\u00a0<\/span><\/p>\n

This app is available on <\/span>Android<\/span><\/a> and <\/span>iPhone.<\/span><\/a><\/p>\n

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CheckoutSmart<\/h3>\n

Did you know you can get cashback from items in the supermarket? This is a really easy way to budget and save when you do your weekly shop. This app gives shoppers a daily list of items that they can get cashback from and tells you which supermarket this is being offered at.<\/span><\/p>\n

If you purchase any of the items on the list, take a picture of your receipt and submit it onto the app. You\u2019ll get cashback accredited to your account which you can then transfer to your bank account or PayPal.\u00a0<\/span><\/p>\n

Just take into consideration that if you transfer less than \u00a320, you\u2019ll be charged a fee of 5%. So just let the amount keep building up and before you know it, you could have a fair amount to transfer!\u00a0<\/span><\/p>\n

This app is available on<\/span> Android <\/span><\/a>and <\/span>iPhone<\/span><\/a>.<\/span><\/p>\n

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Vouchercloud<\/h3>\n

There\u2019s nothing better than receiving a discount code! This app lets you browse the best deals near you or browse through top featured deals. Click the voucher button on the app and receive your code – it\u2019s that easy.<\/span><\/p>\n

This app is available on <\/span>Android<\/span><\/a> and<\/span> iPhone<\/span><\/a>.<\/span><\/p>\n

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Idealo<\/h3>\n

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Finding out that you\u2019ve bought an item online and it\u2019s cheaper somewhere else can be a nightmare but not with the help of Idealo. If you come across something you want to buy, search for the product in the search bar in the app or scan the product to find out how much it is at different retailers.<\/span><\/p>\n

Idealo will save you money in the long run and stop you from missing out on deals!\u00a0<\/span><\/p>\n

This app is available on<\/span> Android<\/span><\/a> and <\/span>iPhone<\/span><\/a>.<\/span><\/p>\n

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Emma<\/h3>\n

This app is perfect to stop you going into your overdraft, cancels subscriptions you don\u2019t use and tracks any debts you have.\u00a0<\/span><\/p>\n

These are the main features to help you budget:<\/span><\/p>\n