Best PayDay Alternatives in 2026

Updated October 2026

16 apps from automated savings apps ranked against PayDay on the same published basis.

PayDay alternatives compared

#	App	Score	Free plan	From	Runs on
1	Plum	9.7	Free plan	€3.99/mo	Android, iOS
2	Chip	9.5	Free plan	£5.99/mo	Android, iOS
3	PiggyVest	9.4	Free plan	Free	Android, iOS, Web
4	finbee	9.4	Free plan	¥250/mo	Android, iOS
5	Goin	9.1	Free plan	€1.33/mo	Android, Browser, iOS
6	SavingsBox	8.9	Free plan	$4.99/mo	Android, iOS, Web
7	Spave	8.0	No	—	iOS, Android
8	Betterment	7.8	Free plan	$0.05/mo	Android, iOS, Web
9	Qapital	7.6	No	$3/mo	Android, iOS
10	Amini	7.5	No	—	iOS, Android
11	Tunzi	7.5	No	—	Web, iOS, Android
12	Raiz	7.2	No	A$2.50/mo	Android, iOS, Web
13	Nebo	7.1	No	—	iOS, Android
14	Albert	6.6	No	—	Web, iOS, Android
15	Guac	6.6	No	—	Web, iOS, Android
16	Piggo	6.5	Free plan	Free	Android, iOS, Web

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What is the best alternative to PayDay?

Plum, number 1 in automated savings apps with a score of 9.7 out of 10. The others here: Chip, PiggyVest, finbee and 12 more.

What is the best free alternative to PayDay?

Plum is the best-ranked alternative with a free plan. 8 of the 16 alternatives here publish a free plan on their own pricing pages.

How are these alternatives ranked?

Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation.