SavingsBox
SavingsBox is a savings app for personal and group goals, with contribution tools, spending insights, and AI coaching.
What SavingsBox is
SavingsBox is a savings app for personal and group goals, with contribution tools, spending insights, and AI coaching. Its coach, Maya, reviews progress and spending, flags goals falling behind schedule, suggests catch-up plans, and checks in weekly. The app also offers round-up savings, smart bill alerts, streaks and challenges, and a real-time financial health score. Users can link accounts through Plaid for spending insights and fund or contribute to savings boxes by ACH transfer or card. The Free plan includes personal boxes, limited AI coaching, bank and ACH payments, a wallet, and manual contributions. Premium costs $4.99 a month and adds unlimited boxes and coaching, group boxes, recurring contributions, and priority support. SavingsBox Pro plans offer finance professionals client and appointment management, earnings tracking, meeting-link sharing, and AI client insights. Consumer users must be at least 18, U.S. residents, and have a valid U.S. bank account. The company says SavingsBox is not a bank; third parties provide payment processing, custody, and money transmission. It says it does not sell personal information or share it with advertisers, and retains AI coaching messages and replies for up to 90 days.
Good
- Free plan includes personal boxes and manual contributions.
- Maya reviews progress and suggests catch-up plans.
- Supports round-ups, recurring contributions, ACH, and card funding.
- Company says it does not sell personal information.
Watch out
- Consumer users must be 18 or older and U.S. residents.
- A valid U.S. bank account is required for consumers.
- SavingsBox is not a bank.
- AI coaching messages and replies are retained up to 90 days.
Who it suits
SavingsBox suits eligible U.S. adults saving toward personal or group goals who want contribution tools and coaching. Its Pro plans are aimed at licensed or certified finance professionals who need client and appointment management features.
Verdict
SavingsBox combines goal-based saving tools with coaching and group boxes on its paid plan. Consumers should note the eligibility conditions and that third parties handle payment processing, custody, and money transmission.
Plans and prices
From SavingsBox's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free | Free | Personal savings boxes · AI coach (limited) · Bank & ACH payments · Wallet · Manual contributions · Forever free |
| Premium | $4.99 a month | Unlimited savings boxes · AI coach (unlimited) · Group savings boxes · Automatic recurring contributions · Priority support · per month |
| Basic | $5 a month | Up to 10 appointments per month · Client management dashboard · Basic earnings tracking · Email support · per month |
| SavingsBox Pro Basic | $5 a month | Up to 10 appointments per month · Client management dashboard · Basic earnings tracking · Email support · 5% fee per completed session · per month |
| Premium | $12 a month | Unlimited appointments · Priority listing · Meeting-link sharing · Priority support · Early access to new features · per month |
| SavingsBox Pro Premium | $12 a month | Unlimited appointments · Priority listing · Meeting link sharing · Priority support · Early access to new features · 5% fee per completed session · per month |
The facts
Each one read from SavingsBox's own pages, with the date it was checked.
What it does
- AI coach
- Maya reviews savings progress and spending, flags goals falling behind, suggests catch-up plans and checks in weekly.checked 15 Oct 2026
- API and SDKs
- The official pages describe third-party service integrations but provide no public API or SDK documentation.checked 15 Oct 2026
- Bank features
- Users can link accounts through Plaid for spending insights and fund or contribute to boxes by ACH transfer or card.checked 4 Oct 2026
- Banking and payments
- Plaid links bank accounts for insights, while ACH transfers or cards fund wallets and boxes and withdrawals go to a bank.checked 15 Oct 2026
- Bill alerts
- SavingsBox analyzes recurring bill activity and warns when the account balance may be insufficient.checked 15 Oct 2026
- Challenges
- Savings streaks, group leaderboards and challenges such as a 52-week challenge are offered.checked 15 Oct 2026
- Documentation and support
- Support is provided through tracked in-app tickets with priority handling for Premium and Pro subscribers, plus email support.checked 15 Oct 2026
- Eligibility
- The terms require consumer users to be at least 18, U.S. residents, and to have a valid U.S. bank account.checked 4 Oct 2026
- Finance professionals
- Users can book verified CPAs, advisors, loan officers, credit counselors, attorneys and coaches.checked 15 Oct 2026
- Financial status
- The terms say SavingsBox is not a bank and that payment processing, custody, and money transmission are provided by third parties including Stripe.checked 4 Oct 2026
- Google Play status
- The Android listing shows 1+ downloads, data encrypted in transit, deletion requests supported and an update dated September 15, 2026; no rating count is displayed.checked 15 Oct 2026
- Group savings
- Family and friends can contribute together toward shared savings goals.checked 15 Oct 2026
- Health score
- A real-time financial health score reflects savings habits and progress.checked 15 Oct 2026
- Identity and screening
- Identity verification uses Stripe Identity, and the company says it screens users against OFAC, PEP, and adverse-media databases.checked 4 Oct 2026
- Integrations
- The privacy policy names Stripe, Plaid, Anthropic Claude, Twilio, Verifex, Supabase, Render, RevenueCat, Sentry, Expo, Apple and Google as service providers.checked 15 Oct 2026
- Legal entity
- The maker identifies itself in its legal pages as The Savings Box Inc.checked 15 Oct 2026
- Licence
- The terms state that the software and original content are owned by The Savings Box Inc. and cannot be copied, modified, distributed or leased without permission.checked 15 Oct 2026
- Limit: eligibility
- Consumer users must be at least 18, U.S. residents and have a valid U.S. bank account.checked 15 Oct 2026
- Limit: interest
- The company states that it does not earn interest on deposited savings and does not guarantee a rate of return.checked 15 Oct 2026
- Limit: professional monitoring
- SavingsBox verifies professional licenses at onboarding but says it does not provide ongoing license monitoring.checked 15 Oct 2026
Where it runs
- Apple system requirements
- The iOS listing requires iOS 15 or later; iPad requires iPadOS 15 or later and Mac requires macOS 12 or later with Apple silicon.checked 15 Oct 2026
- Limit: Apple reviewer complaint
- One reviewer reported that the app did not work properly and that customer-care chat and calls received no response.checked 15 Oct 2026
The company
- Company headquarters
- The LEI record lists headquarters at 5431 Ravine Bluff Ct, Columbus, Ohio, United States.checked 15 Oct 2026
- Founded
- The LEI record gives the entity creation date as July 5, 2023.checked 15 Oct 2026
