10 Unique Money-Saving Apps You Must Download On Your Phone

Alright, let’s get real. How many phone apps do you have? Are they all useful, or are Twitter and TikTok consuming your life? The real question is, are those phone apps that help you save money?

The average person has just under 30 apps on their phone, and they spend up to 90 minutes per day using them. That’s a crazy amount of time spent on your phone.

Why shouldn’t we put that time to use and try to make or save money?

Here is a list of some really great phone apps that help you save money and will improve your income.

Let’s get started!!

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1. Get Free Cash Back With Ibotta

Ibotta is my absolute FAVORITE app for saving money on everyday purchases. Ibotta is simple to use and has some amazing cashback deals.

All you have to do is scroll through the app before you shop, find the cash back offers you want, go shopping, and then scan your receipt when you get home. The Ibotta app will review your offers and add the cash to your account.

 It’s super simple; its a nice way to get money back when you shop.

One cool aspect of using apps like Ibotta is that you can use it both in stores and online.

Ibotta has paid out its savers over $682,000,000 dollars!! You need to get a piece of that. They over cash back at all your favorite stores from Target, Walmart, Walgreens, Grubhub, Dollar Tree, Amazon, and countless grocery stores.

The only downside to this app that I have found so far is that the options for cash back offers can be limited at times. 

The other day I went to the store because we needed bananas. The Ibotta app had a cashback offer at Target for bananas that I used. Today I needed more bananas, but they didn’t have the offer available. 

Thankfully that small downside has not kept me from saving money with this app. You can see below, I’ve saved almost $400 with this app thus far.

You just have to check the app before you shop to make sure it has what you want.

Right now, when you sign up for Ibotta using our link, you’ll receive a $20 welcome bonus!

If you need more information about the app, you can check out my honest Ibotta review here.

2. Shop Online with Rakuten One Of The Best Money Apps

If you do a lot of online shopping, then you need to sign up for Rakuten! This is another cash back app that you can use at all your favorite stores when you shop online.

The way Rakuten works are you log into the phone app, find the store you want to shop online through, and then just shop online like normal.

Yes, it’s so simple.

The cash back you will receive ranges anywhere from 1% up to 40% cash back. It all depends on the store you shop at.

Rakuten has a huge selection of stores to choose from, consisting of over 2500 stores. Some of my favorites being Target, Nike, and Kohls.

Rakuten is always throwing out deals where they bump up all their cash back deals. You might see a store that’s normally 1% cash back jump up to 13%. You just have to keep an eye on the app.

With the pandemic going on a majority of our shopping is being done online. Why not take advantage of this free app and save money?

Use our link and get a free $10 welcome bonus when you get started.

If you want to know more about Rakuten, you can check out our review here.

3. Cut Your Expenses With Trim

Are you ready to make the most out of your money? Then you must try Trim!

Trim saves you money by negotiating your bills. That’s right, it finds ways to negotiate cable, internet, medical bill, and phone bills. It also cancels old subscriptions, and so much more.

This is one service you shouldn’t pass up.

Trim is free to sign up, so give it a try today!

Related article: Cut Your Electric Bill In Half (With These 20 Genius Hacks)

4. Check Your Credit Score With Credit Sesame

Have you checked your credit score lately? If not, you should!

I just checked mine the other day, and I was happy with what I saw. When I need to check my credit score, I use Credit Sesame. It’s super quick and requires very little information to pull your credit score.

You’re probably wondering how checking your credit score is going to save you money…It doesn’t well, not directly. It’s not the credit score check that’s going to help you. It’s all the other cool stuff that Credits Sesame has to offer that does.

Credit Sesame is all about helping you with your credit. It’s got a library of resources at your disposal to help you build up your credit score.

When you create a free account with Credit Sesame, you will also be able to track all your debt. For us, it shows how much we owe on our house. It makes it really easy for us to track what we owe on the house and how quickly we are paying it off.

It may not directly put money in your pocket but when you use it correctly, Credit Sesame can really help you save money and build up a good credit score.

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5. Personal Capital: Control Your Finances With This App

This is one of my favorite apps that allows you to track all of your financials. There are loads of useful tools like a Net Worth Calculator, Retirement Planner, and many more that will make saving money easy.

The best part is these are all FREE tools for you to use. After I signed up, I received a call from Personal Capital asking if there was anything they could personally help me with.

It was a no-pressure call, they just wanted to make sure I had everything I needed. I thought that the personal touch was cool.

What I really like about it, is that I can compile all of my accounts into one app! I hate having to go to 10 different websites to see all the different investing, savings, or retirement accounts we have.

It can become a one-stop-shop to help you track your finances in one place. When you create your free account, you’ll also get access to financial advisors and other services if you choose to do so.

I have not used their financial advisor service because we have our own advisor, but if you are new to investing and don’t know where to start, this could be a good option. Just know that there is a fee for the service. It’s listed on their site; they don’t try to hide that from you.

When you create your free account, it will ask you to link your accounts. You can link some or all the bank accounts or investment accounts you have to this app.

You can’t go wrong with this free app! It makes save money so easy.

To read more about Personal Capital or to get started click here!

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6. Save Money With CIT Bank

Need a place to store all this money you are going to be saving? Then download the CIT Bank app and open a savings account.

Why are you going to love CIT Bank? Well because they have industry-leading interest rates, no fees, and low initial deposit amounts.

CIT bank isn’t a normal bank. When you put money into a savings account at a local bank your money doesn’t grow. When you put your money in a high-interest account such one at CIT Bank you are actually making money on your money.

Go give CIT Bank a try! We highly recommend them ourselves. You can also check out our personal CIT Bank review here.

7. Money Management At Its Finest With Mint.com

Here is another great money management app. Mint.com is a one-stop-shop for all your financial needs.

All you have to do is link your accounts, and you’ll be able to see how much money you have, where you’re spending your money, check your credit score, and so much more.

What I love about Mint is that it gives you many tools to help you organize your finances. There are budgeting tools, investment tools, and even ideas on how to save money.

If you need help organizing your finances and want it all in one place, this is the app for you. It’s super simple to use and is totally free what’s not to love about that!

Related article: The Best Bank To Save Money: Is CIT Bank Really #1

8. Find Great Money Saving Deals On Groupon

If you’re looking to save money on events, dinner, gym memberships, or just about anything else you can think of, then you need to check out one of the best coupon apps, Groupon. 

I think we’ve all heard of Groupon, and there is a reason for that! They get you the best deals on just about everything.

Did I mention this app is free!

Groupon boasts about being the most downloaded phone app in the world. With deals on just about everything you could want, I believe it!

Next time you go to an event, go out for dinner or make a reservation make sure to check this app first. Their deals will amaze you.

To read more about Groupon or to try the app for yourself click here!

9. Earn Swagbucks To Get Gift Cards

If you find yourself aimlessly scrolling through Facebook to waste time, you need to stop and put that time to good use by signing up for Swagbucks.

There are a bunch of different ways for you to make and save money with this app. So stop wasting time on Youtube watching cat videos and start making a little extra money.

Some of the different ways to make/save money include answering survey questions, reading emails, watching adds, or even just shopping online. Every time you do one of those things on the phone app, you will get what is called Swagbucks.

These Swagbucks can be redeemed for gift cards to your favorite stores. I recently redeemed a gift card for $20. It was a Visa gift card, so it can be used anywhere.

If you have nothing better to do and want to earn a little extra cash while sitting around, spend some time on Swagbucks.

Right now, if you sign up using our link you’ll get a free $10 welcome bonus!!

If you want more information about Swagbucks here is our personal review! It’s good, so it’s worth checking out!

10. Pay Bills On-Time With BillTracker Lite

I don’t want you ever to miss a bill payment again just because you forgot about it. BillTracker Lite is a super simple app that will help you keep on top of those bills.

Simply create accounts and fill in the due dates for your bills and the amount that is due. Now kick your feet up and let Bill Tracker do the rest of the work.

You’ll get notifications when you have a bill coming due. You can also go back and review the last time you paid a bill.

This app makes organizing your bills super simple. Pair that with our Free Budget Binder and you are guaranteed to pay those bills on time.

What’s your favorite phone app that saves you money? Let us know in the comments below!

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