Oportun

Oportun’s saving mechanic doesn’t depend on you spending money first the way a round-up does. Instead, it watches the rhythm of your linked checking account, the paychecks coming in, the bills going out, the balance you tend to sit on, and transfers small amounts into a separate savings account on the days it calculates you can afford to lose them. Some days that’s a few dollars, other days nothing moves at all, and you can pull funds back out at any time without a penalty.

The company behind the product, Digit, was acquired by Oportun in 2021 and the app was rebranded under the new name not long after. Pricing runs $5.99 a month following a 30-day free trial, or $3.99 a month if you pay for the year up front, with no free tier beyond the trial. It suits people who’ve found round-up apps save too little, too slowly, and who’d rather hand the decision of how much to set aside to an algorithm than make that call themselves.