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Qapital: Find Money Happiness

Save for the things you want the simple way.

With Qapital, do something, go somewhere, pay off your debts, or just save money with goals you create

Qapital: Find Money Happiness

by Qapital, LLC
Set your goals
Qapital: Find Money Happiness
Qapital: Find Money Happiness
FREE in the App Store

With Qapital, do something, go somewhere, pay off your debts, or just save money with goals you create. Then attach a rule for each goal to help you save such as putting away a specific amount every week. Attach your bank account or a funding account and watch the money you save for your goals roll in.

Set your goals. Do something, go somewhere, pay off your debts, or just save money. You pick the type of goal, name it, and add how much money you need for it. You can also create a custom goal if none of those on the list are fitting. Add an inspirational cover photo and select whether or not the goal is only for you or other people as well. You can add a member to your goal from your contact list so that you can work on it together.

Set your goals
Create the rules

Create the rules. Create a rule for each goal to help you save. The Round-Up Rule helps you save when you pay, the Spend Less Rule helps you save when you spend less, the Guilty Pleasure Rule helps you save when you buy things you shouldn’t, the Set & Forget Rule saves a certain amount for you regularly, and the 52-Week Rule saves an accumulative amount over time. There is also an Apple Heath Rule for your fitness goals, IFTTT Rules if you use that app for activities, and a Freelance Rule to help you save for tax day.

Navigation and settings. With simple navigation along the bottom, you can view your goals and rules with quick taps. If you link a bank account check the Wallet section for account balances. Review all of your activity, as well as any members you have included, and see the dates and times. You can add a funding account in addition to a bank, use a passcode and Touch ID for security, and choose from five different notification options.

Navigation and settings

What is it about?

Qapital is a great concept and a handy app to help busy people save without thinking about it. Once you set up the goals, rules, and link your account, the automated transfers will take over. Whether you want to save for a vacation, a new computer, or pay off some of your debts, this app can help. There are no fees and there is no minimum deposit required.

For those who...

  • Want to save money
  • Want an automated money-saver

Not for those who...

  • Do not want to connect their bank account
  • Like to save money on their own

Why we love it

Set your own goals and rules to save money for the things you want or need the most with Qapital. Once you are all set up, money will be transferred automatically to your bank account using rules you decide, so saving becomes a no-brainer.

App Screenshots

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Qapital has stickers

like these

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and more

App Details

Last updated
June 30, 2022
Release date
March 14, 2015
More info
Qapital siri commands

Qapital supports Siri commands

What is the balance on my Qapital Spending account
Transfer $10 from Vacation goal to Qapital Spending account
QIView Goal
What is the balance on my Qapital Spending account
Transfer $10 from Vacation goal to Qapital Spending account
QIView Goal

App Store Description

Your goals, our scientific approach to helping you take charge of your finances… it’s a winning combination that’s already helped more than 2 million people start their journey toward money happiness.

Together with world-renowned behavioral scientist Dan Ariely, we’ve developed a smarter money app that helps you reach your financial goals without changing the way you live. The best part – our approach works just as well for couples as individuals.

And because we know just how hard (and boring) it is to stick to saving and budgeting plans, Qapital’s checking, saving and investing tools do the heavy lifting for you – automatically.


Qapital is built on the idea that money happiness is personal. That’s why Qapital puts your Goals front and center, then helps you plan your spending, saving and investing around them. And you don’t need to give up your existing bank account.

1. Stop budgeting, start Qapitalizing
Let’s face it, traditional budgeting simply doesn’t work for most people. Life gets in the way, or we see something we suddenly can’t live without – we’ve all been there. Qapital replaces spreadsheets with scientifically designed money tools that help you take charge of your entire financial universe.

2. Pay yourself first with Payday DivvyTM
The Qapital effect starts the moment you get paid – Payday Divvy automatically divides up your paycheck between short- and long-term goals, bills and discretionary spending (don’t worry, your money is always available to cover unforeseen expenses).

3. Build successful money habits that last
Big picture in place, Qapital gets to work on the details. Spending Sweet Spot makes it easy to adjust your spending week by week while still helping you save automatically toward your Goals. And it all works by leveraging the habits you have – rather than expecting you to start new ones.

Smarter checking: Our FDIC-insured checking account gives you instant access to savings balances, instant free transfers from savings Goals, a Visa® debit card that works with Apple Pay & Google Pay, direct deposit with early access to your paycheck, and bill pay. All without any of the hidden fees regular banks saddle you with.

Smarter spending: Our smart money manager will help you make sense of your weekly spending habits. Discover how you spend, and you'll learn where to save.

Smarter saving: Set your savings Goals then use our smart Rules to save toward them automatically. And use our integration with the Apple Health app to save money toward your Goals when you reach your target for Walk or Run Distance, Steps, or Workouts. You can also customize your own Rules with our IFTTT integration (we have a few to get you started). All FDIC-insured up to $250,000.

Smarter shared finances: Designed for the way couples manage money together today, Qapital Dream TeamTM lets you save toward shared Goals and see one another’s transactions without giving up your individual accounts.

Smarter investing: Qapital Invest is investing for people who like the idea of investing but don’t really know where to start. Set your Goals, pick a portfolio and a timeline, and then leave the nitty gritty to us. Smart.

QAPITAL, QAPITAL INVEST and the QAPITAL and Q logos are registered trademarks of Qapital, LLC. Copyright © 2022 Qapital, LLC. All Rights Reserved. Qapital is not a bank. Banking services provided by Lincoln Savings Bank, Member FDIC and other partner banks. Qapital Visa® Debit Card issued by Lincoln Savings Bank, Member FDIC.

Qapital Invest LLC (“Qapital Invest”) is an SEC Registered Investment Adviser. The information provided herein is for informational and general educational purposes only and is not investment or financial advice. Investing involves risk; you may lose money, including loss of principal. Brokerage services provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured but protected by SIPC.

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