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9 Best Money Saving Apps for Frugal Families

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Looking for the best money saving apps to try?

If you’re not using financial apps to save money, you’re totally missing out!

There are so many apps that can save you money these days and you barely have to lift a finger. If you’re trying to grow your emergency fund or save for another financial goal as a family, that’s HUGE!

The best money saving apps can also come in handy at the holidays or other special occasions.

When you’re working with a tight holiday budget, every penny you can stash away counts. Having an app handy that can put money back in your pocket is great if you’re struggling with how to afford Christmas or kids’ birthdays.

But which apps are the most useful for growing your savings?

I’m so glad you asked! I’ve put together a roundup of my favorite personal finance apps you can use to boost your savings.

Each of these apps can help you save (or in some cases, earn) money when you shop or perform simple tasks online. And the best part is, all of them are free to use!

I’ll also share any tips or hacks I know for making the most of these apps. Sound good?

Then if you’re tired of living paycheck to paycheck and feeling broke and you’re ready to start saving, let’s dig in!

9 Best Money Saving Apps for Families

best money saving apps1. Rakuten (formerly Ebates)

Rakuten is one of the best apps for saving money if you shop online.

When you sign up for Rakuten (remember, it’s free!) you can browse and activate cash back offers at partner retailers online. Once you find an offer you like, you click through to that store and shop like you normally would.

If you make a qualifying purchase, you can earn up to 40% cash back. Getting $40 back on every $100 you spend? Sounds great to me!

You can also download and install the Rakuten Cash Back button, which lets you take advantage of cash back offers even if you’re not shopping through the Rakuten site. Rakuten even has its own Visa cash back credit card if you really want to get serious about saving when you shop.

Lastly, Rakuten now lets you earn cash back when you shop in-store. You just have to link your credit or debit card to your Rakuten account first. Then you can activate offers and shop to save!

Sign up for Rakuten now and get $10

2. Ibotta

Next on the list of best money saving apps is Ibotta. And unless you live under a rock, this is probably one you’ve heard of before. But just in case you haven’t, here’s how it works.

Ibotta makes saving money and earning cash back when you spend easy. There are three ways to earn cash back. You can:

  • Link your loyalty program cards from your favorite stores to the app
  • Get rewarded when you make purchases through the Ibotta app
  • Take a photo of your receipt and upload it to Ibotta

Ibotta supports receipt sharing from 270+ stores, including brands like Walmart, Kroger and Sam’s Club. This app is especially good for families who want to save money on their grocery bills.

You can streamline how you use the app by creating a Favorites list. When you add stores to the list, you’ll automatically see special money-saving offers for those retailers first.

Download the Ibotta App Now

3. MyPoints

MyPoints might be one of the best money saving apps you’ve never heard of. Here’s how MyPoints works in a nutshell.

When you sign up for MyPoints (like Rakuten, it’s totally free!), you can earn points for shopping or doing simple tasks online. That includes things like taking surveys and watching videos.

As your points pile up, you can redeem them for free gift cards to retailers like Amazon and Target. (My personal fave!)

MyPoints is great because you don’t necessarily have to shop through the app to earn money-saving rewards. And most of the tasks you can do to earn points outside of shopping aren’t too time-consuming, which is great for busy moms.

There are two other reasons to like MyPoints if you’re trying to save money.

First, you can download manufacturer coupons that you can use to shop online. Second, you can earn points back on gift cards you buy through MyGiftCardsPlus, which is run by MyPoints.

Sign up for MyPoints now and get a free $10 Amazon gift card

financial apps to save money

4. ShopAtHome

ShopAtHome is similar to MyPoints. (In fact, they’re part of a network of sites that also includes Swagbucks–we’ll get to that one in a minute!)

Here’s how ShopAtHome is different. When you sign up and shop through the site, you earn cash back instead of points.

Once you hit $20 in cash back, ShopAtHome pays the money out to you. You can earn cash back online or in-store and some of the offers I’ve seen there recently are good for as much as $60.

Think about how quickly your savings could add up if you’re shopping through the site regularly! Even if you’re just shopping for the holidays, you could pocket a pretty decent amount of change using ShopAtHome.

Get started with Shopathome now and get a $10 bonus

5. Swagbucks

Swagbucks is one of the best money saving apps that blends the best of both worlds, letting you earn points toward cash back and gift cards

You can earn rewards called SB points by doing things you might already be doing online, like taking surveys, playing games or just surfing the web. Swagbucks also offers coupon codes to popular stores, which is great for saving even more money when you shop.

Once you’ve accumulated some SB points you have two ways to redeem them: as a cash deposit to your PayPal account or as free gift cards to stores like Amazon and Walmart.

That’s it! It’s a pretty sweet (and easy) way to save money.

Sign up for Swagbucks now and get a $5 bonus

6. Honey

I can’t say enough about how great Honey is if you want to save money. But what is it?

Good question. Honey is a free browser extension that helps you save money automatically when you shop online. When you shop participating stores, Honey searches for promo and coupon codes for your purchase. If it finds valid codes, you save money instantly.

Another cool feature: Honey always looks for the lowest price when you shop at Amazon.

As someone who spends a couple of thousand dollars per year on Amazon, getting the best price helps me save big. (And if you’re not using Amazon Prime to get free 2-day shipping, sign up for try it free for 30 days!)

Get Honey and start saving money

7. Shopkick

Shopkick is one of the best money saving apps you can try if you shop a lot in-stores, versus online.

When you head into a store that’s part of Shopkick’s partner network, you can earn rewards points called “kicks”. Those kicks can then be redeemed for gift cards to your favorite stores, including Target and Amazon.

Some of the ways you can earn kicks include:

  • Walking into partner stores
  • Scanning bar codes on items in-store
  • Making a purchase with your debit or credit card you’ve linked to Shopkick
  • Scanning shopping receipts into the app
  • Watching videos online
  • Shopping at partner stores online

Bottom line, Shopkick is a super simple app you can use to save money on just about everything.

Download the Shopkick app to start earning kicks

financial apps

8. Dosh

Dosh is a mobile app you can download and link to your debit or credit cards. Once your free account is set up, you shop and dine at partner merchants through the app.

Every time you make a qualifying purchase, you automatically get up to 10% cash back. You can transfer your cash to your savings account or to PayPal, or even donate it to charity if you want.

I like Dosh because you can save money and get cash back without even thinking about it. It’s hands-down one of the best money saving apps if you like your saving to be simple.

Download the Dosh app for Android or iPhone

9. Paribus

So far, the best money saving apps I’ve mentioned all help you save money by earning cash back on what you spend or getting free gift cards. Paribus is a little different.

Paribus is a free app that tracks your online purchases to find the lowest price on the things you buy. If it finds something you bought for less money elsewhere online, Paribus requests a price adjustment automatically.

If the request is approved, you get the difference between what you paid and the lower price credited back to you. It’s one of the easiest ways to save money on online shopping.

Now, you could get price protection with your credit card. Some of them do still offer that perk. But if yours doesn’t, or you’d rather spend with your debit card to avoid debt, then Paribus may be just what you’re looking for.

Get Paribus for free now

Other Ways to Save Money Online

Aside from using one (or all) of the best money saving apps, you can also take advantage of coupon sites to save money when you shop online.

There are lots of different sites to choose from but they all work more or less the same way. You browse the site for promo or coupon codes, then drop them in at checkout when you’re shopping.

You can even double on savings if you’re stacking coupons with some of the cash back apps listed here. For example, Ibotta lets you stack manufacturer coupons. So you can save money twice — once with the coupon and again with Ibotta.

If you’re looking for the best coupon and deal sites to save money, here are the ones I recommend:

When you’re browsing coupon and promo code sites, make sure you read the fine print if you’re trying to stack them with one of the financial apps included here. The goal should be to stack as much as possible, so you get savings and cash back at the same time.

Another tip: compare money-saving offers from different sites before you pull the trigger on a purchase.

For example, if Rakuten is offering 4% cash back at Amazon but ShopAtHome is offering 5%, which one you should use might be a no-brainer.

Aaand if you’re worried about having to monitor a bunch of different financial apps, don’t worry. I’ve got something you’re going to love.

It’s a website called CashBackMonitor. This is an aggregator site that rounds up the best cash back promotions across the web from Rakuten, MyPoints, Swagbucks, plus lots of other money-saving apps.

You just search for the store you’re interested in shopping at, then click to see what money-saving deals are on tap. You can then decide which one to shop to save the most.

Best Ways to Make the Most of the Money You’re Saving

If you’re saving all this money from using financial apps, then it pays to have a plan for using it. Otherwise, you could just spend all your savings and you’ll still be broke!

So think about what you can do with your savings to make it have some staying power for your finances.

For example, you could:

All of these things could help you improve your family’s financial situation. Having a plan for the money you’re saving can make it less likely that it slips through the cracks.

CIT Bank Savings Builder

Which of the best money saving apps are your favorites? 

If you’re not using any of these apps yet, I strongly encourage you to give all of them a try. Since they’re all free to use, all you need to invest is a little of your time to start saving!

Do you have a money-saving app that you just can’t live without?

Head to the comments and tell me about it! And please pin and share this post if it helped you!

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Hi there, I'm Rebecca, homeschooling single mom of two. I built a six-figure freelance writing business from home and now I teach busy moms how to save money, make money and master their time! Follow me on Pinterest and Twitter and don't forget to check out the Resource Library--it's packed with tons of free tools to help make the busy mom life easier!

Comments

  1. Some of these I was aware of and others are new to me. I have a couple of questions: 1) Do you get a lot of spam e-mails from these companies once you sign up? Just curious. 2) I’m a whole foods vegan. So, I don’t eat any prepared foods. it worth it to sign up with Ibotta? I’ve always just figured that they gave rebates on processed foods and not bananas. That’s why I’ve not signed up before now. Thanks for your thoughts.

    • Hi Hope, those are great questions! I can tell you that from my experience MyPoints does email a lot but that’s because they have these daily bonus emails they send out that let you earn bonus points. Rakuten is pretty good about only emailing once a day or once every other day. With Ibotta I think it depends where you shop. There are rebates available for Whole Foods, Fresh Market and Trader Joe’s so if you shop any of those stores, there may be deals that you’d be interested in. Though those might only be for packaged foods or meats. I hope this helps!

    • Thanks, John! There are so many great financial apps out there for saving money but these are the ones I think are the best of the best. Let me know how it goes if you decide to use any of them to save money. 🙂

  2. I use Swagbucks and Brad’s Deals all the time. I didn’t know about a few of these so I will have to check them out. I’m pretty frugal, so I like anything that can save me money 🙂

  3. I’ve been using Honey for over a year now and it has literally saved me alot of money lol. The others I’ve never heard of so I’m definitely going to check them out.

    • That’s awesome, I run into so many people who have never heard of Honey! Give some of these other financial apps a try and let me know how it goes for you!

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