Digit (now Oportun)

Digit analyzes your spending patterns and income to identify money you can safely move to savings without affecting your ability to pay bills. The app moves small amounts regularly, turning spare cash into meaningful savings accounts that sit separately from your checking account. Under Oportun's ownership since 2021, it's expanded to include financial wellness resources and credit-building tools.

This works well for people who know they have extra money but can't find a system to capture it. Digit takes the guesswork out by doing the analysis for you, though the savings movements are smaller and more frequent than some alternatives.