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Qapital
New York, NY, United States
What it is
Qapital is a paid finance app for Android and iOS that combines saving, investing, budgeting, and debt-management tools. You can create personalized savings goals, monitor progress, and select from more than 15 automatic saving methods, including card roundups and scheduled transfers. Its investing tool recommends a plan using your target amount, timeline, and risk level, with automatic contributions available. Budget controls let you divide paycheck portions among expenses, savings, investments, and spending, then change settings or pause deposits. Dream Team supports shared goals, with a choice about sharing balances and transaction histories. Plaid connects outside bank accounts and credit cards. Plans are Basic at $3 a month, Complete at $8 a month, and Premier at $12 a month, billed monthly. A 30-day trial costs $0 before billing begins after connection.
For and against
For
- More than 15 automatic saving methods
- Investment plans use target, timeline, and risk
- Shared goals with optional balance visibility
- Card roundups and scheduled transfers
- 30-day trial costs $0
Against
- No free plan
- Monthly fee starts after trial
- Withdrawals are manual
- Available only on Android and iOS
The verdict
Qapital brings several money-management functions together with configurable automation and partner sharing. Its paid plans and manual withdrawals are important considerations before choosing it.
Who it suits
Qapital suits people seeking automated savings, investing, budgeting, and shared financial goals in one Android or iOS service. It also fits users who want configurable rules, scheduled transfers, and linked external accounts.
Plans and prices
Basic
Unlimited personalized savings goals · automated savings rules · shared goals with a partner
Read 5 Oct 2026 · qapital.com
Complete
Basic benefits · investment portfolios · Visa debit card · personalized insights
Read 5 Oct 2026 · qapital.com
Premier
Basic and Complete benefits · additional investment portfolios tailored to goals
Read 5 Oct 2026 · qapital.com
On the record
- Account integration
- Qapital uses Plaid to link external financial accounts, including bank accounts and credit cards.help.qapital.com · read 5 Oct 2026
- Audience and origin
- Qapital describes itself as a remote-first company with roots in Stockholm and New York and says it was founded in 2013.qapital.com · read 5 Oct 2026
- Budgeting
- Users can split portions of their paycheck among expenses, savings, investments, and spending, and can adjust settings or pause deposits.qapital.com · read 5 Oct 2026
- Deposit coverage
- Funds held at Qapital’s member-FDIC partner banks are insured up to $250,000 under federal regulations.qapital.com · read 5 Oct 2026
- Financial providers
- Qapital Save and Spend accounts and its debit card are provided or issued by Lincoln Savings Bank, while investment advisory services are provided by Qapital Invest, LLC.qapital.com · read 5 Oct 2026
- Investing
- Qapital recommends an investment plan based on a user’s target amount, timeline, and risk level, with options to add money automatically.qapital.com · read 5 Oct 2026
- Product
- Qapital combines automated saving, investing, budgeting, and debt management tools in one place.qapital.com · read 5 Oct 2026
- Saving
- Users can create personalized savings goals, track progress, and choose from more than 15 automatic saving methods.qapital.com · read 5 Oct 2026
- Security
- Qapital says it uses SSL and TLS encryption, multi-factor authentication, regular server vulnerability scans, and identity protections including passcode and fingerprint access.qapital.com · read 5 Oct 2026
- Security examination
- Qapital says it has successfully completed an independent SOC 2 Type I examination.qapital.com · read 5 Oct 2026
- Shared finances
- Dream Team lets partners share goals and choose whether to share balances and transaction histories.qapital.com · read 5 Oct 2026
- Support
- Qapital lists [email protected] for security questions and says Complete’s annual plan includes faster access to live agents and priority support.qapital.com · read 5 Oct 2026
- Trial and billing
- The 30-day trial costs $0; Qapital says it deducts a monthly membership fee after the trial ends and a bank account is connected.qapital.com · read 5 Oct 2026
