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Top rated ways to save money

AI-generated summary · updated August 21, 2026 · verify details before purchase.

  1. YNAB (You Need A Budget)
    Best overall

    YNAB (You Need A Budget)

    4.7/5 $0.99

    A zero-based budgeting app that helps you assign every dollar a job, reducing overspending and increasing savings.

    • Effective budgeting methodology
    • Syncs with bank accounts
    • Strong community support
    • Paid subscription required
    • Steep learning curve for beginners
  2. Rakuten
    Best for cashback Rakuten TV

    Rakuten

    4.4/5 $0.00

    Cashback website and app that gives you money back on purchases from thousands of retailers.

    • Easy cashback on everyday shopping
    • Bonus sign-up offers
    • Pays out quarterly
    • Cashback percentages vary
    • Requires patience for payouts
  3. Honey
    Best coupon finder Nate's Honey

    Honey

    4.3/5 $14.47

    Browser extension that automatically finds and applies coupon codes at checkout, saving you money.

    • Automatic coupon application
    • Works with thousands of sites
    • Easy to use
    • Sometimes misses better deals
    • Rewards points system may expire
  4. Acorns
    Best for micro-investing Winlyn

    Acorns

    4.4/5 $14.99

    App that rounds up your purchases to the nearest dollar and invests the spare change automatically.

    • Automates investing
    • Low barrier to start
    • Portfolio diversification
    • Monthly fee
    • Returns not guaranteed
  5. Trim
    Best for subscription cancellation M Stiks

    Trim

    4.2/5 $39.95

    AI assistant that analyzes your spending, cancels unwanted subscriptions, and negotiates bills.

    • Cancels subscriptions automatically
    • Negotiates bills
    • Identifies savings opportunities
    • Premium takes a cut of savings
    • Limited to US and Canada
  6. Personal Capital
    Best for net worth tracking Capital Books

    Personal Capital

    4.6/5 $13.05 Only 1 left

    Free financial dashboard for tracking net worth, budgeting, and investment analysis.

    • Comprehensive investment tools
    • Net worth tracking
    • Retirement planner
    • Frequent calls from advisors
    • Less focus on day-to-day budgeting
  7. Credit Karma
    Best for credit score monitoring Yoanna

    Credit Karma

    4.5/5 $0.00

    Free credit score monitoring and credit report updates, with recommendations for better financial products.

    • Free credit scores and reports
    • Alerts for changes
    • Personalized offers
    • May encourage taking on new credit
    • Ads for financial products
  8. Best for bill negotiation

    Truebill (now Rocket Money)

    4.3/5 Free basic; premium $3-$12/month

    App that tracks subscriptions, negotiates bills, and provides budgeting tools to reduce expenses.

    • Subscription management
    • Bill negotiation service
    • Budgeting features
    • Premium features cost money
    • Negotiation success not guaranteed
  9. Digit
    Best for automated savings Libro Studio LLC

    Digit

    4.1/5 $8.99

    App that analyzes your income and spending to automatically save small amounts without thinking.

    • Automated savings
    • No overdraft fees
    • Goal setting
    • Monthly fee
    • Withdrawal limits
  10. Mint
    Best free budget app Amazon Grocery

    Mint

    4.5/5 $2.49 Currently unavailable

    Free app that tracks spending, budgets, and credit scores, offering insights to save money.

    • Completely free
    • Comprehensive financial overview
    • Automatic categorization
    • Ads and upsells
    • Occasional sync issues

Buying advice

The best saving method depends on your goals and habits. For budgeting, YNAB or Mint are top choices. For cutting costs, use Honey for coupons and Trim to cancel subscriptions. To grow savings, consider Acorns for micro-investing or Digit for automated savings. Always review fees and terms before committing.

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