Small change, big impact—these round-up apps make saving and investing effortless.
In 2025, saving and investing no longer require complex strategies or large upfront commitments. Round-up apps have revolutionized the way people grow their money by automatically rounding up everyday purchases to the nearest dollar and transferring the spare change into savings or investment accounts.
With just a few dollars at a time, these apps can help you build wealth seamlessly, turning minor transactions into major financial progress.
Whether you’re looking to boost your emergency fund, start investing, or simply develop better saving habits, the right round-up app can make all the difference. Some focus on micro-investing, while others prioritize high-yield savings or financial automation. No matter your financial goals, there’s an app designed to fit your needs.
Here are ten of the best round-up apps in 2025 for saving and investing money without even thinking about it.
1. Acorns makes micro-investing automatic and stress-free.
Acorns has long been a leader in round-up investing, allowing users to passively grow their wealth with every purchase, according to Acorns website. The app connects to your credit or debit cards, rounding up transactions and investing the spare change into diversified portfolios of low-cost exchange-traded funds (ETFs). Designed for hands-off investors, Acorns provides a simple, automated way to start investing without the need for extensive market knowledge.
Beyond round-ups, Acorns offers additional features like retirement accounts, recurring investments, and a debit card that earns cash-back rewards. With its user-friendly interface and educational resources, Acorns makes investing accessible to beginners and those looking to build long-term financial habits.
2. Chime turns spare change into savings with no fees.
Chime is a mobile banking platform that offers a built-in round-up feature, seamlessly helping users save without extra effort. Each time a purchase is made with the Chime Visa® Debit Card, the transaction is rounded up to the nearest dollar, and the spare change is transferred into a Chime savings account. Unlike traditional banks, Chime eliminates hidden fees and offers a competitive annual percentage yield (APY), making it an attractive option for savers, as stated on Chime’s site.
Beyond round-ups, Chime allows users to automate savings by transferring a portion of their paycheck directly into savings. With features like early direct deposit and fee-free overdraft protection, it serves as a comprehensive banking solution while encouraging better financial habits.
3. Qapital makes saving fun with customizable rules.
Qapital takes a unique approach by turning saving into a game. Users can create custom rules that trigger savings based on specific actions, such as rounding up transactions, meeting fitness goals, or avoiding unnecessary spending. This gamified system makes saving feel more interactive and rewarding, encouraging users to build better financial habits, according to Qapital.
The app also offers goal-setting tools, allowing users to visualize their progress and stay motivated. Whether saving for a vacation, emergency fund, or long-term financial goal, Qapital makes the process engaging and personalized. With flexible automation and a sleek design, it’s a great tool for anyone who wants to save with intention.
4. Greenlight helps families teach kids about saving and investing.
Greenlight is designed for families looking to instill smart money habits in children. Parents can set up round-ups on their kids’ spending, automatically transferring spare change into savings or investment accounts. This hands-on approach teaches children about financial responsibility in a practical, real-world setting, as reported by Greenlight.
In addition to round-ups, Greenlight offers parental controls, financial education tools, and the ability to invest in stocks and ETFs. The app creates a safe environment for kids to learn about money management while giving parents full visibility into their financial activity. It’s an ideal choice for families who want to make financial literacy a priority.
5. Oportun automates savings using AI-driven insights.
On the Oportun website, you’ll learn a different approach to round-ups by analyzing users’ income and spending patterns to determine how much they can safely save. Instead of simply rounding up transactions, the app automatically transfers small amounts into a savings account when it detects excess funds, ensuring that users save without even noticing.
By adapting to financial behavior, Oportun prevents over-saving while still helping users build a solid financial cushion. This intelligent automation makes it a great option for those who struggle with manual saving but want to make consistent progress toward financial goals.
6. Current offers flexible savings and crypto investing.
Current is a mobile banking app that includes “Savings Pods,” allowing users to create multiple savings goals and fund them through round-ups. When purchases are made with the Current debit card, transactions are rounded up, and the spare change is directed toward specific savings goals, making it easy to organize financial priorities, based on the findings on Current.com.
In addition to round-up savings, Current offers crypto trading, fee-free overdraft protection, and early direct deposit. The app provides a flexible and modern approach to banking, making it ideal for users looking to save while maintaining access to advanced financial tools.
7. Rocket Money helps users track spending while saving effortlessly.
Rocket Money, formerly Truebill, combines budgeting, subscription management, and automated savings into one platform. Its round-up feature allows users to accumulate spare change and direct it toward savings or debt repayment, helping users stay on top of their finances with minimal effort.
The app also provides insights into spending habits, helping users identify areas where they can cut costs, as mentioned on the Rocket Money website. With additional features like bill negotiation and budgeting tools, Rocket Money serves as a comprehensive financial assistant for those looking to save money and manage expenses effectively.
8. PocketGuard simplifies budgeting and round-up savings.
PocketGuard is a budgeting app that provides users with a clear understanding of their finances while offering a round-up feature to automate savings. By connecting your financial accounts, PocketGuard tracks income and expenses, presenting the information in intuitive pie charts that highlight spending patterns. The app’s “In My Pocket” feature calculates how much spendable cash you have after accounting for bills, goals, and necessities, helping you manage discretionary spending effectively, as stated on PocketGuard.
In addition to budgeting tools, PocketGuard offers a debt payoff plan, allowing users to strategize and monitor their debt reduction progress. The app also provides bill tracking and subscription monitoring, helping users identify opportunities to save by canceling unused services.
9. Monarch Money offers comprehensive financial planning with round-ups.
Monarch Money is a holistic financial management app that integrates budgeting, investment tracking, and goal-setting into a single platform. Users can connect multiple financial accounts, including checking, savings, credit cards, loans, and investments, to gain a unified view of their financial landscape. On the Monarch Money website you can learn about the app’s customizable dashboard allows users to tailor their financial overview to align with personal priorities and goals.
Beyond budgeting, Monarch Money provides tools for detailed financial planning, enabling users to set and track progress toward various financial objectives. The app also offers collaborative features, allowing family members or financial advisors to access and contribute to the financial planning process.
10. Stash combines round-ups with stock and ETF investing.
Stash is an investing app that makes it easy to grow wealth with spare change. The app rounds up purchases and invests the difference into stocks, ETFs, or other assets chosen by the user. This micro-investing approach allows beginners to build an investment portfolio with minimal effort.
Stash also offers features like personalized investment recommendations, fractional shares, and automatic recurring investments. With its user-friendly interface and educational resources, Stash is an excellent option for those looking to turn spare change into long-term financial growth, based on our findings at Stash.com.