Best PayDay Alternatives in 2026

Updated October 2026

16 platforms from automated savings apps ranked against PayDay on the same published basis.

PayDay alternatives compared

#	Platform	Score	Free plan	From	Runs on
1	Guac	7.8	Free plan	Free	Android, iOS, Web
2	Chip	7.7	Free plan	£5.99/mo	Android, iOS
3	Plum	7.7	Free plan	€3.99/mo	Android, iOS
4	Spave	7.6	Free plan	Free	Android, iOS
5	Betterment	7.3	Free plan	$0.05/mo	Android, iOS, Web
6	finbee	7.3	Free plan	¥250/mo	Android, iOS
7	Piggo	7.2	Free plan	Free	Android, iOS, Web
8	PiggyVest	7.2	Free plan	Free	Android, iOS, Web
9	SavingsBox	7.2	Free plan	$4.99/mo	Android, iOS, Web
10	Goin	7.1	Free plan	€1.33/mo	Android, Browser, iOS
11	Nebo	7.0	Free plan	Free	Android, API, iOS
13	Tunzi	6.9	Free plan	Free	Android, iOS, Web
14	Albert	6.8	No	$19.99/mo	Android, iOS, Web
15	Amini	6.8	Free plan	Free	Android, iOS
16	Qapital	6.8	No	$3/mo	Android, iOS
17	Raiz	6.3	No	A$2.50/mo	Android, iOS, Web

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What is the best alternative to PayDay?

Guac, number 1 in automated savings apps with a score of 7.8 out of 10. The others here: Chip, Plum, Spave and 12 more.

What is the best free alternative to PayDay?

Guac is the best-ranked alternative with a free plan. 13 of the 16 alternatives here publish a free plan on their own pricing pages.

How are these alternatives ranked?

Ranked on how quickly a newcomer can get going: documentation depth, a free tier or trial, and the platforms it runs on.