Feel happy about money

You aren’t bad with money… it was just never this easy to be good. Welcome to a better way to do personal finance.

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Here is how our science-based system works:

1. Couple up or go solo

Qapital is designed for however you live your life. Dream Team™ makes it easy for couples to collaborate on their finances, however they see fit.

Read more about Qapital Dream Team™

2. Set Goals plan 

Money is personal, so Qapital is too. What are your goals? We’ll help you personlize your savings, spending and investing Goals.

Learn more about investing with Qapital

3. Automate 

Qapital will divvy up your money automatically, every time you get paid. Fund your goals first, cover your costs, spend the rest guilt-free. Without changing your bank.

Read more about Payday Divvy

No Magic.
Just Science.

Built together with the world’s leading behavioral economist.


The smartest financial decision you’ll ever make
Over 100,000+ 5-star reviews.

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As featured in

“What’s the advantage of the goals-based approach? It helps temper spending.”

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Discover “a secret savings weapon — an app that does the work for [you].”

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“Qapital “weaponize[s] your psychology before you start making decisions.”

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Simple, transparent plans

Rather than surprise fees, we bundle our products into subscription tiers so you don’t have to worry about any hidden costs or management fees.

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