Discover true money happiness.

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


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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 joint 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


Love this app!! It does all the work for you and NOW even has investing for people with just a bit to invest.

Oomie55 • 11 Jun, 2018 Read more

Without even realizing it…

…you save up for what you want. It’s great. I love the additional features, such as the 52 week savings or create your own rule. The customer service support is awesome too!

Janet S. • 14 Sep, 2018 Read more

The best saving app!

I love using this app because it allows my boyfriend and I to save for things that are most important! We have two savings together and I have one for myself and because of the rules I have set up for each goal, Qapital puts a decent amount into each savings goal! I LOVE IT

triceybo • 11 Jun, 2018 Read more

Qapital in the media

“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.”

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

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

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Get the app

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


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