Discover true money happiness.

The money app that makes it easy to fund your future – while taking care of your now


Create account

Google Play Store most innovative app 2017

Qapital users 35,000+ five-star reviews

Apple App Store new apps we love

Save smartly

Saving ‘just because’ is fine, but saving for something special is fun. Qapital helps you get there faster with Goals and Rules – two clever ways to supercharge your saving with little effort. Plus you can even team up with others to reach Shared Goals.

Invest confidently

Qapital’s pre-built portfolios are ideal for budding investors – give us a timeline and amount and we’ll do the rest. We’ll even diversify your funds so you don’t have all your eggs in one basket.

Learn more about investing


Spend happily

A Qapital account opens up lots of powerful ways to work with your money, and to make your money work harder. Find your Spending Sweet Spot and achieve the perfect balance between what you want now, and what you want most.


Plan effortlessly

Use our Payday Divvy to define your spending, rather than letting it define you. Divvy up significant deposits in a few taps to make sure you cover your commitments while funding your future.

Ready for a challenge?

Money Missions are fun challenges that help you think a bit deeper about your spending. You’ll unlock helpful insights into how you use your money now so you can use it better in the future.

Loved by our members

E A S Y Savings!

I have never been able to save successfully until I downloaded this app. Even with a savings account attached to my checking a was impossible, I kept transferring the money over. The options or “rules” that it gives you, help you save money without you even noticing! The easiest way to save hands down!

kristyanopolis • 21 Feb, 2020


I am so bad at saving and this app has really helped me save towards multiple goals, evaluate my spending habits and has made me all around better at managing my money. Thank you.

21 Feb, 2020

Great tool to help manage finances smarter!!

It actively tracks and supports spending habits and even allows you to create a personalized savings goal to help you save!! Great app!

Jordan • 21 Feb, 2020

Qapital in the media

Forbes logotype

“Qapital offers portfolios that match the length of the goal with how to invest…What’s the advantage of the goals-based approach? It helps temper spending.”

Read article

“Using certain principles of behavioral economics, Qapital tries to encourage users to save money towards goals and make better financial choices overall.”

Read article
Fast Company logotype

“Qapital has helped millennials save money. Now it wants to help them invest.”

Read article

Get the app

✓ Spend happily and find your Spending Sweet Spot
✓ Save smartly with Goals and Rules
✓ Invest confidently in pre-built portfolios


Create account