Grow Your Wealth

Top Picks: The Best Money Saving Apps in 2023

Cleo’s guide to the best money-saving apps in 2023

An image of a laptop with the text 'BEST MONET SAVING APPS 2023' over the top.

Managing your money in 2023 can feel like riding a rollercoaster in the dark. Thankfully, the digital age has brought us a ton of ways to help us take control of our finances and save more effectively.

Money-saving apps have are one way of gaining some control over your finances, taking away any chance of stress-crying over an Excel spreadsheet.

In this article, we’re gonna explore some of the top money-saving apps available in America in 2023– whether that’s to help you budget, or save money as you spend, we’ve got you covered.

PSA: we are gonna mention Cleo, because you’re literally on our blog right now. But we’ve also mentioned plenty of others, because we’re humble.

Cleo AI

Our little app Cleo AI uses fancy algorithms to analyze your spending patterns and provide real-time insights into your financial habits.

With Cleo, you can set savings goals and receive personalized recommendations on how to achieve them. She also helps you track your expenses, create budgets, and identify areas where you can cut back on unnecessary spending.

Cleo will give you a heads up on upcoming bills, and if you’re about to hit a spend limit.

Want cheaper rent and bills? Cleo can use AI to help you write a letter to Whom it May Concern arguing for a cheaper deal. One in three survey respondents successfully saved some money on their bills or rent.


Mint has long been a popular choice among money-saving apps, and it continues to be a top pick in 2023. Acquired by Intuit, Mint offers an all-in-one financial platform that allows users to link their bank accounts, credit cards, and other financial accounts for a full-picture view of their finances.

The app also provides users with credit score monitoring and bill reminders to avoid late fees.


Acorns is a money-saving app that takes a unique approach to saving money. The app rounds up users' everyday purchases to the nearest dollar and invests the spare change into a range of stocks and bonds. This "round-up" method allows you to save effortlessly while building an investment portfolio.

Acorns also offers a "Found Money" feature, where partner companies invest a percentage of your purchases directly into their Acorns accounts. This means that you can save money not only through their own purchases but also through the companies they shop with. Acorns is a great option for people who want to save and invest without even thinking about it.


Rakuten  is a money-saving app that gets you  cash back on your online purchases. The app partners with thousands of online retailers, giving you a percent of your purchase amount back as cash. Rakuten covers tons of categories, from fashion and electronics to travel and homeware.

Another plus– Rakuten also  gives you exclusive deals and discounts.


Honey is another fantastic money-saving app for online shoppers. This app automatically scours the internet for available coupon codes and applies them to your purchases during checkout.

The app supports a wide range of online retailers, making it a useful  tool for anyone who frequently shops online. Honey's browser extension can also alert you when the prices of items in your online shopping carts drop, ensuring you get the best deals possible.

YNAB (You Need A Budget)

YNAB takes a proactive approach to budgeting and saving money. The app operates on the philosophy of "giving every dollar a job." You assign specific categories to your money, ensuring that each dollar is allocated toward a particular expense or savings goal.

YNAB syncs with your bank accounts and credit cards to real-time updates on your  financial status. The app also offers educational resources and financial courses to help you build good money management habits.


PocketGuard is a budgeting and expense tracking app that helps you take control of your finances and save money. The app syncs with your financial accounts and provides a clear overview of your income, expenses, and available funds.

PocketGuard uses advanced algorithms to calculate your daily spending limits based on their income, bills, and savings goals. This feature helps you stay on track with your budget and avoid overspending. PocketGuard also identifies potential saving opportunities, helping you make smarter financial decisions.


Twine is a a money-saving app designed for couples who want to save and invest together. The app allows partners to set joint financial goals and contribute toward them jointly.

By encouraging couples to save and invest together, Twine encourages open communication about finances and promotes shared financial goals. Nice.

Enjoy this post? Give it a share or send it along to a friend. You never know, it could make a big difference. Big love. Cleo 💙


Get on financial track with a money mentor that fits in your pocket.

Download Cleo

Still have questions? Find answers below.
What is Cleo Ai, and how does it help with saving money?
What is the proactive approach of YNAB (You Need A Budget) toward budgeting?
How does Honey help online shoppers save money?
What makes Mint a popular choice among money-saving apps?
Written by

Read more

signing up takes
2 minutes

QR code to download cleo app
Talking to Cleo and seeing a breakdown of your money.
// Table of Contents Dynamic Script //