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Qapital is free to download and use, and makes money through interest on savings it holds for users like a typical bank. The app rewards users for activities they already do, and makes saving fun in the process. Take your savings one step further by actually investing it. Acorns is an option for users who want to try their hand at investing in stocks and bonds but are hesitant to do so. It connects to any debit or credit card and rounds up change from each purchase to the dollar, investing it in one of five diversified portfolios developed in part by Nobel Prize-winning economist Harry Markowitz. Users start by saving an average of $33 Skiptracing sites to $35 a month, or more than $400 a year in spare change, said Jennifer Barrett, the chief education officer at Acorns. “For someone really nervous about starting to invest this is a way to go in with minimal effort and minimal risk,” she said. Acorns also recently introduced a “Found Money” feature, through which companies it partners with — like HotelTonight and Blue Apron — reward users for shopping there with small contributions of around $10. The app is free to download but charges users $1 once a month after they begin investing.

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