Saving money is hard. Whether you’re trying to pay off debt, build an emergency fund, or simply manage your finances better, there are a myriad of apps available that can help you reach your financial goals. And the best part? Most of them are completely free to use!

So, where should you start? Here are some of the best money-saving apps on the market today:

First up is Mint. This app has been around for a while and is widely considered one of the best personal finance tools out there. Mint allows you to create a customized budget, track your spending, and receive bill payment reminders, all in one place. You can also use it to check your credit score and receive personalized tips to improve your financial health.

Then there’s Clarity Money, a relatively new app that has gained traction for its user-friendly interface and robust features. Clarity Money helps you identify and cancel unnecessary subscriptions, lower your bills by negotiating with service providers, and track your spending over time. The app also provides a personalized financial health score to motivate you to improve your money management habits.

If you’re looking for an app that focuses on investing and growing your wealth, Acorns is a great option. Acorns allows you to invest your spare change from everyday purchases into a diversified portfolio of stocks and bonds. You can also set up recurring investments and take advantage of their “Found Money” feature, which lets you earn cash bonuses from select retailers.

For those who want an easy way to save money without thinking about it, Qapital is worth considering. This app allows you to set custom rules to trigger automatic savings, such as rounding up purchases to the nearest dollar or setting aside a certain amount each week. Qapital also offers spending and savings accounts, as well as investment options through their partnership with Vanguard.

Another great app is Ibotta, which helps you save money on your groceries and online purchases. Ibotta provides cash back offers at hundreds of retailers and allows you to earn bonuses for reaching certain milestones. There’s also Honey, a browser extension that automatically finds and applies coupon codes at online checkout, helping you save money with minimal effort.

Whether you’re looking to budget better, save more, or invest in your future, there’s an app out there that can help. All it takes is a few downloads and a bit of dedication to start improving your financial health today.

By taking advantage of these money-saving apps, you can streamline your finances, identify areas for improvement, and make smarter decisions with your hard-earned cash.

So, what are you waiting for? It’s time to download these apps and start saving! Your financial goals are within reach, and these tools can help you get there faster and with less hassle.