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SavingsBox
What it is
SavingsBox is an app for personal and group savings, with contribution tools, spending insights, and coaching. Users can create savings boxes, make manual contributions, use card round-ups, and link accounts through Plaid for spending insights. Funds can be added by ACH transfer or card. Its AI coach, Maya, reviews progress and spending, flags goals that are falling behind, suggests catch-up plans, and checks in weekly. Other tools include smart bill alerts, savings streaks and challenges, and a real-time financial health score. The Free plan costs nothing and includes personal boxes, limited AI coaching, bank and ACH payments, a wallet, and manual contributions. Premium costs $4.99 a month and adds unlimited boxes and coaching, group boxes, recurring contributions, and priority support. SavingsBox Pro plans serve finance professionals with appointment and client management, earnings tracking, and meeting-link sharing. Consumer users must be at least 18, U.S. residents, and have a valid U.S. bank account. SavingsBox is not a bank; third parties provide payment processing, custody, and money transmission.
For and against
For
- Maya checks savings progress and suggests catch-up plans.
- Users can contribute by ACH transfer or card.
- Premium adds group boxes and recurring contributions.
- Pro plans include client and appointment management.
Against
- Consumer users must be at least 18.
- Users must be U.S. residents with a valid U.S. bank account.
- SavingsBox is not a bank.
- Pro plans charge a 5% fee per completed session.
The verdict
SavingsBox offers personal and group savings tools alongside AI coaching and spending insights. Consumers must meet its age, residency, and bank-account requirements; payment processing, custody, and money transmission are handled by third parties.
Who it suits
SavingsBox suits eligible U.S. adults saving toward personal or shared goals. Its Pro plans are intended for licensed or certified finance professionals.
Plans and prices
Free
Personal savings boxes · AI coach (limited) · Bank & ACH payments · Wallet
Read 15 Oct 2026 · thesavingsbox.com
Premium
Unlimited savings boxes · AI coach (unlimited) · Group savings boxes · Automatic recurring contributions
Read 15 Oct 2026 · thesavingsbox.com
Premium
Unlimited appointments · Priority listing · Meeting-link sharing · Priority support
Read 15 Oct 2026 · thesavingsbox.com
Basic
Up to 10 appointments per month · Client management dashboard · Basic earnings tracking · Email support
Read 15 Oct 2026 · thesavingsbox.com
SavingsBox Pro Basic
Up to 10 appointments per month · Client management dashboard · Basic earnings tracking · Email support
Read 4 Oct 2026 · thesavingsbox.com
SavingsBox Pro Premium
Unlimited appointments · Priority listing · Meeting link sharing · Priority support
Read 4 Oct 2026 · thesavingsbox.com
On the record
- AI coach
- Maya reviews savings progress and spending, flags goals falling behind, suggests catch-up plans and checks in weekly.thesavingsbox.com · read 15 Oct 2026
- API and SDKs
- The official pages describe third-party service integrations but provide no public API or SDK documentation.thesavingsbox.com · read 15 Oct 2026
- Apple system requirements
- The iOS listing requires iOS 15 or later; iPad requires iPadOS 15 or later and Mac requires macOS 12 or later with Apple silicon.apps.apple.com · read 15 Oct 2026
- Bank features
- Users can link accounts through Plaid for spending insights and fund or contribute to boxes by ACH transfer or card.thesavingsbox.com · read 4 Oct 2026
- Banking and payments
- Plaid links bank accounts for insights, while ACH transfers or cards fund wallets and boxes and withdrawals go to a bank.thesavingsbox.com · read 15 Oct 2026
- Bill alerts
- SavingsBox analyzes recurring bill activity and warns when the account balance may be insufficient.thesavingsbox.com · read 15 Oct 2026
- Challenges
- Savings streaks, group leaderboards and challenges such as a 52-week challenge are offered.thesavingsbox.com · read 15 Oct 2026
- Company headquarters
- The LEI record lists headquarters at 5431 Ravine Bluff Ct, Columbus, Ohio, United States.lei.bloomberg.com · read 15 Oct 2026
- Documentation and support
- Support is provided through tracked in-app tickets with priority handling for Premium and Pro subscribers, plus email support.thesavingsbox.com · read 15 Oct 2026
- Eligibility
- The terms require consumer users to be at least 18, U.S. residents, and to have a valid U.S. bank account.thesavingsbox.com · read 4 Oct 2026
- Finance professionals
- Users can book verified CPAs, advisors, loan officers, credit counselors, attorneys and coaches.thesavingsbox.com · read 15 Oct 2026
- Financial status
- The terms say SavingsBox is not a bank and that payment processing, custody, and money transmission are provided by third parties including Stripe.thesavingsbox.com · read 4 Oct 2026
- Google Play status
- The Android listing shows 1+ downloads, data encrypted in transit, deletion requests supported and an update dated September 15, 2026; no rating count is displayed.play.google.com · read 15 Oct 2026
- Group savings
- Family and friends can contribute together toward shared savings goals.thesavingsbox.com · read 15 Oct 2026
- Health score
- A real-time financial health score reflects savings habits and progress.thesavingsbox.com · read 15 Oct 2026
- Identity and screening
- Identity verification uses Stripe Identity, and the company says it screens users against OFAC, PEP, and adverse-media databases.thesavingsbox.com · read 4 Oct 2026
- Integrations
- The privacy policy names Stripe, Plaid, Anthropic Claude, Twilio, Verifex, Supabase, Render, RevenueCat, Sentry, Expo, Apple and Google as service providers.thesavingsbox.com · read 15 Oct 2026
- Legal entity
- The maker identifies itself in its legal pages as The Savings Box Inc.thesavingsbox.com · read 15 Oct 2026
