Savings apps help you automate saving, earn higher yields, and reach goals faster. We ranked them on APY, automation quality, and how well they integrate with your broader financial life.
Updated February 2026
Best high-yield savings with investment integration
Wealthfront's cash account offers 5%+ APY with FDIC insurance up to $8M (through partner banks). It is the best high-yield savings account that also integrates with automated investing.
Best no-frills high-yield savings account
Marcus offers a straightforward high-yield savings account from a trusted bank. No gimmicks, no minimum balance, and competitive APY. The simplicity is the appeal.
Best for organizing multiple savings goals in one account
Ally combines high-yield savings with a full banking suite — checking, CDs, and investing. The Savings Buckets feature lets you organize savings goals within one account.
Best for tracking savings progress across multiple accounts
Clarity tracks your savings account balances alongside all other accounts. While it does not offer savings accounts, it shows your total cash position and savings rate trends over time.
Best for people who cannot save manually — round-ups force it
Acorns rounds up purchases and invests the spare change. It is a savings tool disguised as investing — good for people who struggle to save manually.
Yes. FDIC-insured savings accounts are guaranteed up to $250,000 per depositor, per bank. Some accounts like Wealthfront's offer higher coverage through multiple partner banks. The interest rate fluctuates with the Fed funds rate, but your principal is safe.
A high-yield savings account is the foundation. Savings apps add automation (round-ups, recurring transfers, goal tracking) on top. If you can save consistently with just a bank account, you do not need an app. If you struggle with consistency, automation helps.
14-day free trial. No credit card required.
No credit card required · Cancel anytime · See pricing.