Best PayDay Alternatives in 2026

Updated October 2026

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

PayDay alternatives compared

#	App	Score	Free plan	From	Runs on
1	Betterment	7.2	Free plan	$0.05/mo	Android, iOS, Web
2	finbee	7.1	Free plan	¥250/mo	Android, iOS
3	Piggo	7.1	Free plan	Free	Android, iOS, Web
4	PiggyVest	7.1	Free plan	Free	Android, iOS, Web
5	SavingsBox	7.1	Free plan	$4.99/mo	Android, iOS, Web
6	Tunzi	7.1	Free plan	Free	Android, iOS, Web
7	Chip	7.0	Free plan	£5.99/mo	Android, iOS
8	Goin	7.0	Free plan	€1.33/mo	Android, Browser, iOS
9	Plum	7.0	Free plan	€3.99/mo	Android, iOS
10	Raiz	6.3	No	A$2.50/mo	Android, iOS, Web
11	Qapital	6.2	No	$3/mo	Android, iOS
12	Guac	5.9	No	—	Web, iOS, Android
13	Spave	5.8	No	—	iOS, Android
14	Albert	5.7	No	—	Web, iOS, Android
15	Amini	5.7	No	—	iOS, Android
17	Nebo	5.6	No	—	iOS, Android

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What is the best alternative to PayDay?

Betterment, number 1 in automated savings apps with a score of 7.2 out of 10. The others here: finbee, Piggo, PiggyVest and 12 more.

What is the best free alternative to PayDay?

Betterment is the best-ranked alternative with a free plan. 9 of the 16 alternatives here publish a free plan on their own pricing pages.

How are these alternatives ranked?

Ranked on what each maker publishes: documentation depth, a free tier and the platforms it runs on.