Qapital

Qapital’s core idea is the rule, a small piece of automation you set up once and forget. The default Round Up Rule lets you choose how aggressively to round, anywhere from $1 to $5 per purchase, instead of locking everyone into rounding to the nearest dollar. Beyond round-ups, you can build rules tied to behavior: save a set amount every time you order takeout, every time you skip the gym, or every time a specific merchant shows up on your statement. Money from every rule lands in a named Qapital Goal, a trip fund, a new-car fund, whatever you’re saving toward, rather than one undifferentiated pile.

The app costs $3 a month for the basic plan, $6 for one that adds investing and a debit card with its own rewards, and $12 for a tier built around couples saving jointly, all after a 30-day free trial and with no permanent free option. Qapital fits people who’ve tried a plain round-up app and found it too rigid, since the rule-builder lets you tie saving to actual habits rather than just spending volume.