Automate Your Savings - Apps To Make Saving Easy In 2021



As we enter into the new year, it's the best time to get your finances in check and up your money management. Looking to save for a new car, house or holiday in the new year? Or are you looking to rebuild your emergency fund? Whatever your goals are for saving, here are a few apps that can help to take away the stress of manually transferring by automating it for you.


Plum



Plum is an app that helps you to gamify your savings. Using the power of AI technology, Plum monitors your income and outgoings to set aside amounts that are tailored to you. You can create pockets and goals within the app to help you to stay focused on your saving. Plum also analyses your spending to assess your regular bills and highlight areas where the app may be able to help you make additional savings. The app will notify you if there is a better deal that you can take advantage of and will allow you to switch in minutes.


Earn interest on your savings as well as access to extra features such as cashback and investment with Plum Plus (£1 a month) and Plum Pro (£2.99 a month).


There is also the ability to begin your investment journey using the Plum app by investing in a Stocks & Shares ISA. You are also able to automate investment deposits so you don't have to remember to do it manually each week. You are able to invest in 'funds' as opposed to individual stocks and shares - these funds are professionally managed. You can choose funds based on your risk appetite to best suit your needs.


Click here to sign up.



Chip



Chip is a savings app that allows you to automatically grow your savings using the power of AI. You are able to connect your bank account to the app to automate your savings. Set up rules within the app such as 'payday putaway' to increase the amount you put away on your payday. Chip have recently launched their Chip+1 account which enables you to earn a (variable) interest rate of 1.25% on your savings - beating the interest rates of many major banks.


Create and customise your 'goals' and pick what percentage of your save amount you want to put towards those goals. Change your goal name and picture to tailor it to your needs.


Click here to sign up.


MoneyBox



MoneyBox is a savings app that allows you to save and invest for your future. You're able to open up a variety of different savings accounts such as: LISA, Stocks and Shares ISA, Notice Accounts and more. Choose how much you want to deposit each week and the app will do the rest for you. You can also choose to turn on 'roundups' which will save the spare change from your purchases. Sign up in minutes and get started with just £1.


If you're looking to save for your retirement, you're able to open up a personal pension which allows you to make deposits as well as combine all of your old pensions pots in one place.


Click here to sign up.


Tandem Bank



Tandem Bank helps you to save little and often with their autosaving feature. You're able to keep track of your transactions within the app as well as see how much you stashing away. You are able to make one-off deposits to your savings by choosing the 'boost' function within the app. You can also choose to turn on 'roundups' which will save the spare change from your purchases. The savings account offers 0.5% AER and is instant access so you can withdraw your money whenever you need it.


Tandem Bank also keeps an eye on your regular bills and will give you an alert if you have paid more for a bill compared to the previous month or if it identifies savings for you. Never overpay on a bill again. Based on your regular direct debits, the app will also work out how much you have left to spend for the month so you're never caught out.


Click here to sign up.



Want to budget your money? Download your FREE Pennies To Pounds spreadsheet here.



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