Spave
Red Wing, Minnesota, United States
What it is
Spave is a free Android and iOS app that helps users save and donate automatically while spending. After linking a checking account, users can direct small amounts to savings goals, causes, or both. Spavings can use card round-ups, a percentage of spending, or a fixed weekly amount, with user-set weekly minimums and maximums. The app offers scheduled transfers, custom savings rules, and near real-time tracking of goals and impact. Spave says its network includes more than 1.5 million accredited nonprofits. The Live Give Save Foundation says 90% of each donation is reserved for nonprofit grants, while 10% supports administration, technology operations, and platform services. Plaid handles account linking and transaction and balance data; Dwolla supports identity verification and money movement. Spave says stored data is encrypted, bank credentials are not stored, and access is limited to authorized employees and contractors. It currently charges no access fee, although paid subscription features may have a free trial.
For and against
For
- No current app access fee
- Round-ups, percentages, or fixed weekly amounts
- User-set contribution limits
- Near real-time goal and impact tracking
- Available on Android and iOS
Against
- Requires linking a checking account
- Paid-feature trial duration is unspecified
- Contributions depend on bank-linking services
The verdict
Spave combines configurable saving with automatic charitable contributions in one mobile app. Its no-current-fee access and adjustable rules are useful, while account linking remains central to operation.
Who it suits
Spave suits mobile users who want automatic saving, charitable giving, or both from a linked checking account. It is also relevant to users seeking adjustable contribution rules and goal tracking.
Plans and prices
Free
Automatic saving and giving · linked checking account · savings goals · donations to causes
Read 7 Oct 2026 · spave.io
On the record
- Charity network
- Spave says its network includes more than 1.5 million accredited nonprofits.spave.io · read 7 Oct 2026
- Compliance
- The Live Give Save Foundation identifies itself as a tax-exempt organization under Section 501(c)(3), with contributions deductible as allowed by law.spave.io · read 7 Oct 2026
- Contribution options
- Spavings can be calculated using round-ups, a percentage, or a weekly fixed amount, with weekly minimums and maximums set by the user.spave.io · read 7 Oct 2026
- Donation allocation
- The Live Give Save Foundation says 90% of each donation is reserved for nonprofit grants and 10% supports charitable administration, technology operations, and platform services.spave.io · read 7 Oct 2026
- Free access
- Spave says there is currently no fee to access its app features.spave.io · read 7 Oct 2026
- Giving
- Users can support causes through automatic contributions without checks or paperwork.spave.io · read 7 Oct 2026
- Goal tracking
- Spave provides near real-time tracking of users’ goals and impact.spave.io · read 7 Oct 2026
- Integrations
- Spave uses Plaid to link bank accounts and gather transaction and balance data, and Dwolla for identity verification and money movement.spave.io · read 7 Oct 2026
- Purpose
- Spave automatically helps users save and give as they spend.spave.io · read 7 Oct 2026
- Saving
- Users can direct small amounts toward savings goals when they spend.spave.io · read 7 Oct 2026
- Security
- Spave says stored data is encrypted, bank credentials are not stored, and access to personal information is limited to authorized employees and contractors.spave.io · read 7 Oct 2026
- Support
- Spave directs users with questions to [email protected] and offers support through the app.spave.io · read 7 Oct 2026
- Trial terms
- Spave’s terms say users may have access to a free trial of paid subscription features, but do not state the trial duration.spave.io · read 7 Oct 2026
