Best Qapital Alternatives in 2026

Updated October 2026

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

Qapital 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
12	PayDay	6.9	Free plan	Free	Android, iOS, Web
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
17	Raiz	6.3	No	A$2.50/mo	Android, iOS, Web

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What is the best alternative to Qapital?

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 Qapital?

Guac is the best-ranked alternative with a free plan. 14 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.