Managing your money wisely has never been easier, thanks to a new wave of smart financial apps designed to help you save, invest, and grow your wealth. In 2025, competition among money apps is fiercer than ever — which is great news for users. Whether you want to automate your savings, start investing with $1, or track every expense effortlessly, there’s an app built exactly for your needs.
In this guide, we’ll break down the best apps to save and invest your money in 2025, focusing on user-friendly features, fees, safety, and who should use each app. By the end, you’ll know exactly which one fits your financial goals.
Why Saving and Investing Apps Matter in 2025
People are no longer waiting to “start someday.” Rising costs, economic uncertainty, and digital convenience have pushed millions to take control of their finances. The right app can help you:
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Automate savings without thinking about it
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Invest even with low income
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Improve financial habits
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Track and analyze spending
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Build long-term wealth with minimal effort
These apps are not only tools — they’re personal financial assistants sitting in your pocket 24/7.
Top Saving and Investing Apps to Use in 2025
Below are the apps offering the best combination of features, performance, and ease of use this year.
1. Acorns – Best for Beginners Who Want Automatic Investing
Acorns continues to dominate in 2025 as one of the easiest ways to start investing without stress. The app rounds up your everyday purchases and invests the spare change into diversified portfolios.
Key Features
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Automatic round-ups
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Managed ETF portfolios
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Retirement and checking account options
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Simple and beginner-friendly interface
Why It Stands Out
Acorns is perfect for people who want to grow wealth passively, without choosing stocks or reading charts. You simply spend as usual — Acorns handles the rest.
Who Should Use It
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Beginners
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Busy professionals
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Anyone who wants investing on autopilot
2. Robinhood – Best for Commission-Free Trading
Robinhood remains one of the most popular platforms for stock and crypto investing, especially among millennials and Gen Z. In 2025, it expanded its offerings with advanced charting tools and high-yield savings accounts.
Key Features
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Commission-free trading
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Crypto and options trading
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Cash card and high-yield savings
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Intuitive design for new investors
Why It Stands Out
Robinhood gives you complete control over your portfolio while keeping everything simple and accessible. You can invest with as little as $1.
Who Should Use It
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Active traders
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Tech-savvy investors
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Users who want investing + crypto in one place
3. Mint (Now Mint 2.0) – Best for Budgeting and Saving
Mint returned in 2025 with a redesigned budgeting system and AI-powered insights that help users track spending habits and find hidden ways to save.
Key Features
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Smart budgeting tools
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Bill reminders and spending alerts
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AI suggestions to cut unnecessary expenses
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Credit score monitoring
Why It Stands Out
While Mint is not an investing platform, it’s one of the strongest savings and budgeting apps available. It helps you understand where your money goes and how to save more each month.
Who Should Use It
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Families
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Budget-focused users
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Anyone who wants to fix spending habits
4. Fidelity Investments – Best All-in-One Investment Platform
Fidelity remains one of the most trusted names in finance. In 2025, the app offers more no-fee funds, fractional shares, and robust retirement tools.
Key Features
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Zero-commission trades
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Fractional share investing
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Retirement planning tools
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Educational content for all levels
Why It Stands Out
Fidelity is ideal for long-term investors who want stability, research-backed insights, and a wide range of investment options.
Who Should Use It
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Long-term investors
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Retirement planners
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Users wanting low-risk, reliable investing
5. Revolut – Best for Saving, Budgeting, and International Use
Revolut in 2025 is more powerful than ever, offering high-yield savings, stock and crypto trading, and advanced budgeting tools — all in one app.
Key Features
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Savings vaults with auto-saving
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Global spending and transfers
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Stock and crypto trading
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Expense tracking and analytics
Why It Stands Out
Revolut is perfect for travelers or anyone earning money internationally. Its multi-currency features and modern interface make it extremely convenient.
Who Should Use It
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Digital nomads
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Frequent travelers
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Users wanting savings + investing in one place
6. YNAB (You Need A Budget) – Best for Serious Budgeting
YNAB has a strong community and a proven method that helps users break the paycheck-to-paycheck cycle.
Key Features
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Goal-based budgeting
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Real-time spending categories
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Educational resources
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Syncs with all bank accounts
Why It Stands Out
YNAB isn't just an app — it’s a budgeting system that teaches you how to control your money with intention.
Who Should Use It
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People who struggle with overspending
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Families
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Users who want full financial discipline
7. Betterment – Best Robo-Advisor for Long-Term Growth
Betterment uses advanced algorithms to manage your money and invest it in optimized portfolios.
Key Features
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Automated investing
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Tax-loss harvesting
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Socially responsible portfolios
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Retirement planning
Why It Stands Out
Betterment eliminates the guesswork. It’s like hiring a professional financial advisor — but at a fraction of the cost.
Who Should Use It
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Long-term passive investors
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Users saving for retirement
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Anyone wanting automated wealth growth
How to Choose the Right App in 2025
Choosing the best saving or investing app depends on your goals. Here’s a quick guide:
Choose Acorns if:
You want simple and automated saving + investing.
Choose Robinhood if:
You want to trade stocks or crypto actively.
Choose Mint/YNAB if:
You want to control your spending and increase your savings.
Choose Fidelity or Betterment if:
You want long-term, reliable investment growth.
Choose Revolut if:
You want financial tools + global spending features in one place.