Qapital

What Qapital is

Qapital combines automated saving, investing, budgeting, and debt management in an app for Android and iOS. Users can set savings goals, track progress, and choose from more than 15 automatic saving methods. For investing, it recommends a plan based on a target amount, timeline, and risk level, with the option to add money automatically. Budgeting tools let users divide portions of a paycheck among expenses, savings, investments, and spending, then change settings or pause deposits. Partners can use Dream Team to share goals and choose whether to share balances and transaction histories. Qapital links outside bank accounts and credit cards through Plaid. Plans are Basic at $3 a month, Complete at $8 a month, and Premier at $12 a month, all billed monthly. A 30-day trial costs $0; Qapital says it deducts the monthly membership fee after the trial ends and a bank account is connected. Funds held at member-FDIC partner banks are insured up to $250,000 under federal regulations.